Welcome to Pacific Coast Funding, I'm John Gillespie, your Orange County home loan expert dedicated to making sure your home purchase or refinance experience is top-notch.
Contact Me Today! Apply Now!California
Mortgage RatesAll mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Pacific Coast Funding to receive a personalized rate for your specific situation.
California
Refinance RatesAll mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Pacific Coast Funding to receive a personalized rate for your specific situation.
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in Orange County? Rates are historically low and now may be the right time to start saving money every month!
Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
January 25, 2023At some point in their lives, most people will have enlisted the help of a real estate agent to buy or sell their home. While hiring a real estate agent isn’t required, many people turn to an agent for help navigating the process of buying or selling their home. Due to the many steps to…
Read Post
January 17, 2023Cold and flu season is here, with a vengeance. Now, an unseasonably early arrival of respiratory syncytial virus (RSV) has been on the rise causing pediatrician offices, urgent care centers, emergency departments and inpatient units across the U.S. reeling from extremely high patient volumes. It is most commonly spread through close contact with sick individuals…
Read Post
January 10, 2023When you’re selling your home, you want it to look its absolute best for potential buyers. That’s where home staging comes in. Home staging brings out your home’s most impressive assets so that the maximum number of potential buyers can imagine themselves living in it. Home staging is a marketing strategy (with a dash of…
Read Post
