Business Details
22 Years
experience
Your Trusted Mortgage Partner for Home Loans
PacRes Mortgage has built a reputation as a trusted partner in the mortgage industry, combining the strength of a national bank with the personalized care of local advisors. Founded in 2004 by Matt Stashin, Melissa Stashin, and Eric Wiley, our company was established on principles of service, integrity, and innovation. Over two decades, we have navigated economic challenges while maintaining a client-first approach, offering tailored mortgage solutions that adapt to evolving needs. Our team of certified professionals brings extensive experience in mortgage banking, ensuring clients receive expert guidance through every step of the homebuying or refinancing process. We prioritize transparency, fostering long-term relationships built on trust and accountability.Our commitment to excellence is reflected in our streamlined processes, from pre-approval to closing, and our recognition as a top employer for women underscores our dedication to fostering a supportive workplace culture. With offices nationwide and a network of local advisors, we provide accessible, community-focused service while leveraging cutting-edge technology to enhance efficiency. Our accolades, including partnerships with GO Mortgage and industry-specific accreditations, validate our position as a leader in the mortgage sector. Clients consistently praise our responsive communication, personalized support, and ability to transform complex financial processes into manageable, stress-free experiences.
Services
Conventional Loans
Refinance Programs
Reverse Mortgages
Debt Consolidation
Buy Now Save Later
VA Loans
USDA Loans
HELOC Services
Cash-Out Refinance
Home Equity Loans
Details
- Year established: 2004
Highlights and features
- We offer 20+ years of mortgage banking expertise with local advisor accessibility
- Our patented Buy Now, Save Later Program provides future rate flexibility
- We implement a partnership-driven process with personalized client communication
- Our team includes certified mortgage professionals with industry-specific training
- We maintain a 98% client satisfaction rate based on verified testimonials
What people say
Treated like family
Great communication
Smooth transaction
Outstanding support
Expert guidance
Services
Conventional Loans
Our conventional purchase loans provide flexible financing options for homebuyers with credit scores above 620. These Fannie Mae/Freddie Mac compliant loans offer down payments starting at 3%, with terms tailored to individual financial situations. Clients benefit from competitive interest rates and the ability to eliminate PMI once reaching 20% equity.
Refinance Programs
We offer multiple refinancing options including rate reduction, cash-out refinancing, and mortgage insurance elimination. Our streamlined process helps homeowners access lower rates, reduce monthly payments, or tap into home equity while maintaining favorable loan terms.
Reverse Mortgage
Designed for homeowners over 62, our reverse mortgage solutions convert home equity into tax-free income. This program provides financial flexibility through monthly payments or lump sum distributions while allowing continued residence in the property.
Debt Consolidation
Our debt consolidation services combine multiple high-interest obligations into a single mortgage payment. This approach simplifies financial management while potentially reducing overall interest costs through favorable mortgage rates.
Buy Now Save Later
This innovative program allows homebuyers to secure current market rates with future refinancing flexibility. Participants receive waived processing fees when refinancing upon rate drops, ensuring long-term savings without initial rate lock-in constraints.
People
Matt Stashin
CEO/Founder
With a background in futures trading and mortgage leadership, Matt Stashin established PacRes Mortgage in 2004. He brings 25+ years of financial services experience, focusing on mission-driven leadership and strategic growth initiatives that maintain the company's market position.
Melissa Stashin
President/Founder
Melissa Stashin has held executive roles across mortgage operations, sales, and management. She cultivates company culture and community engagement, leveraging 20+ years of industry expertise to ensure client satisfaction and employee development.
Eric Wiley
Executive VP/Founder
Eric Wiley combines frontline mortgage advisory experience with operational leadership. With 18 years in mortgage banking, he specializes in optimizing client experiences while maintaining operational efficiency across all service delivery channels.
Questions
What mortgage options are available for first-time homebuyers?
We offer conventional loans with 3% down payments, FHA loans with lower credit requirements, and specialized programs with down payment assistance for qualified first-time buyers.
How does the Buy Now Save Later Program work?
This program allows you to purchase a home now with the option to refinance later when rates drop, waiving processing fees and reducing lender costs without initial rate lock-in.
Can I refinance to eliminate mortgage insurance?
Yes, if you've built 20% equity in your home, we can facilitate a refinance to remove PMI requirements, lowering your monthly payments while maintaining favorable loan terms.
What documentation is needed for mortgage pre-approval?
We require recent pay stubs, tax returns, bank statements, and government ID. Our advisors will guide you through the specific documentation needed based on your financial situation.
Are there special mortgage programs for veterans?
We offer VA loans with zero down payment requirements, competitive rates, and specialized support for eligible veterans and military families through our dedicated VA loan specialists.
How long does the mortgage process typically take?
Our streamlined process averages 30-45 days from application to closing, with expedited options available for qualified borrowers and pre-approved applicants.
Videos
