Business Details
24 Years
experience
Your Trusted Partner for Mortgage Solutions
Founded in 2002, Pacific Trust Mortgage has established itself as a leader in the mortgage industry by combining cutting-edge technology with personalized service. Our correspondent lending model grants access to a diverse array of loan products, ensuring competitive rates tailored to individual client needs. We manage the entire mortgage process from pre-approval to funding, prioritizing timely contingency removals and smooth closings. Our core valuesreputation, service, integrity, and follow-throughguide every interaction, ensuring the highest level of service. With a team of experienced professionals, we deliver expertise in fixed-rate, FHA, VA, jumbo, and specialized loans.Our commitment to transparency and client education empowers informed decision-making. We pride ourselves on fast closings, averaging 30 days or less, and fostering long-term relationships built on trust. Our focus on referrals and collaboration with service providers reflects our dedication to exceeding expectations. Clients consistently praise our responsiveness, market knowledge, and ability to simplify complex transactions. Over two decades of experience position us as trusted advisors in home financing solutions.
Services
Home Purchase Loans
Mortgage Refinancing
FHA Loans
VA Loans
Jumbo Loans
Investment Property Loans
Cash-Out Refinance
USDA Loans
Manufactured Home Financing
Portfolio Loans
Details
- Year established: 2002
Highlights and features
- We offer a wide range of mortgage products through multiple investors for competitive rates
- We manage the entire mortgage process from pre-approval to funding
- Our team provides personalized service with 20+ years of industry experience
- We guarantee quick closings averaging 30 days or less
- Our professionals hold NMLS certifications and real estate licenses
What people say
Responsive communication
Smooth transaction process
Knowledgeable professionals
Timely closings
Personalized guidance
Services
Home Purchase Loans
Our home purchase loans offer tailored financing solutions for first-time buyers and experienced homeowners. With fixed-rate, FHA, and VA options, we provide competitive rates and personalized guidance through every step. Our streamlined process ensures timely closings while helping clients navigate down payment requirements, mortgage insurance considerations, and loan program selection.
Mortgage Refinancing
Refinancing services help homeowners reduce monthly payments and save money through rate adjustments or term modifications. We specialize in cash-out refinancing for debt consolidation and offer expert analysis of market conditions to optimize refinancing timing. Our team manages the complete process from application to funding with minimal client effort.
FHA Loans
FHA-insured loans provide accessible homeownership opportunities with low down payment requirements. Our specialists guide clients through the 3.5% down payment option while explaining mortgage insurance implications. We help borrowers understand qualification criteria and long-term financial impacts of government-backed loan programs.
VA Loans
VA loan programs offer zero-down payment options for qualified military personnel and veterans. Our team explains eligibility requirements and helps applicants navigate the unique benefits of VA financing. We provide expert guidance on rate selection and ensure compliance with military-specific lending regulations.
Investment Property Loans
Investment property financing solutions cater to real estate investors seeking vacation homes or rental properties. We offer 15- and 30-year terms with competitive rates while helping clients evaluate cash flow implications. Our specialists assist with pre-qualification to strengthen purchasing power in competitive markets.
People
Chris Orsini
Regional Manager Mortgage Banker
With NMLS #235892 and CA DRE #01439326, Chris has over 15 years of mortgage banking experience. Clients praise his market expertise, timely loan processing, and commitment to client education. He specializes in first-time homebuyer programs and complex transactions.
Darryl Stolz
Mortgage Banker
Senior loan officer with NMLS #247836 and CA DRE #01270512, Darryl specializes in first-time home purchases and challenging transactions. His clients highlight exceptional communication skills and ability to navigate complex title situations with four-party ownership structures.
Stacia Finley
Mortgage Banker
NMLS #235464 and CA DRE #01818006 licensed professional with expertise in refinancing and purchase transactions. Stacia maintains a 5-star client satisfaction rating for her responsive communication and ability to complete loans before contingency periods expire.
Oliver Petri
Regional Manager Mortgage Banker
As NMLS #338522 professional, Oliver leads mortgage teams specializing in second home purchases. Clients commend his efficiency in processing Los Angeles area transactions and ability to maintain smooth communication between all parties involved.
Sarah Atkinson
Mortgage Banker
NMLS #851124 licensed mortgage banker with focus on first-time homebuyer programs. Sarah provides expert guidance on down payment options and helps clients understand long-term financial implications of different loan structures.
Questions
What mortgage loan options are available for first-time homebuyers?
We offer FHA loans with 3.5% down, VA loans with zero down for qualified veterans, and conventional programs with competitive rates. Our specialists help you choose based on your financial situation.
How long does the mortgage closing process take?
Most loans close within 30 days through our streamlined process. We manage all stages from pre-approval to funding to ensure timely contingency removals and smooth transactions.
Can I refinance with bad credit?
We offer specialized programs for clients with lower credit scores. Our cash-out refinance options can help consolidate debt even with less-than-perfect credit histories.
Do you offer jumbo mortgage loans?
Yes, we provide jumbo loans with flexible terms for high-value properties. Our competitive rates apply to both fixed and adjustable-rate jumbo mortgage options.
How do I get pre-qualified for a mortgage?
Complete our online pre-qualification form or contact our team directly. We'll review your financial information to determine loan eligibility and help strengthen your purchasing position.
What areas do you serve?
While headquartered in San Luis Obispo, CA, we provide mortgage services throughout California and nationwide through our correspondent lending network.
