Who We Are

John Gillespie provides hands-on service and prompt answers for your home loan. He has been in business for over 30 years and is Broker/Owner of Pacific Coast Funding, a mortgage lender in Huntington Beach, California. Pacific Coast Funding is a one stop lender, providing purchase and refinance loans for investment units, reverse mortgages, and conventional FHA/ VA loans. Our business model is based upon referrals, so we are dedicated to providing personalized service to each and every client, making sure you understand every step of the lending process.

Apply For A Loan Now

Using our online loan application, you can take your time and complete your application whenever it's convenient for you. And, you can always save your work and come back and complete it later if you need to.

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Get a New Loan Quote

We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

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When To Refinance

We'll guide you through the process and make it worry-free to improve your interest rate and monthly payment. We can even help you pay down your balance more quickly for a comparable monthly payment.

Refinancing Info

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Today's Rates

Mtg Loan Rate APR
30-yr Fixed 2.8% 2.85%
15-yr Fixed 2.33% 2.42%
1-yr Adj 2.87% 2.89%
* national averages