Welcome to Pacific One Lending
At Pacific One Lending we were started because we wanted to create a company that was different then the other lending options available. A company that was based on customer service not just making a profit. We understand that personal finance is something that is very important to anyone and we want you to feel comfortable with our qualified capable staff and know that your best interests are taken care of. Even though we are located Huntington Beach, we can help anyone in Orange County and throughout California as well.
We offer many mortgage options; we have something that will fit most any need. We offer all the best purchase programs, from conventional loan programs at some of the best rates you’ll find. We also do many government and niche home loans as well. Including the FHA loan where you can purchase a home for just 3.5% down, or the VA loan for anyone who has served or is currently serving in the military to be able to purchase a home for no money down. We can also fund higher loan amounts with our jumbo loans. Or use your existing home’s equity to purchase with a home equity loan. To get a free home loan quote then use our
Purchase Assistant tool.
In need to refinance or wondering if can save you money? We make it easy. We offer traditional refinance options, along with cash out refinances if you want to use the equity in your home to get some extra cash. If you’ve purchased your home using either the FHA or VA loan, then we can help you easily refinance them with the FHA streamline or VA streamline refinance program. You can get a free refinance analysis by using our
Refinance Advisor tool.
We even do reverse mortgages. So if you’ve retired, a home owner, and wondered how to get a consistent monthly flow of cash then a reverse mortgage could be the answer for you. We can run the numbers so you can clearly see what a reverse mortgage could do for your retirement.
Whatever your mortgage needs might call for each of our customers are treated with the same care and respect that has earned our company the reputation of conducting good and honest business. We look forward to help you.
If you are in the need of insurance services, the check out our insurance company
Value One Insurance. You will find the same level of rates and service.

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Find the solution that fits your needs.

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.


Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.


Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.


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