Pacific Beneficial Mortgage Company Ratings & Reviews

4.9 of 5 Stars | 9 Reviews
Rate
5.0

Fees & Costs
5.0

Responsiveness
4.8

Customer Service
4.8

100% of customers would recommend this lender. (9 out of 9)

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1 - 9 of 9 of Pacific Beneficial Mortgage Company Reviews
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Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: Scoot
San Diego, CA

Reviewed On: May 19, 2012

Loan Request: February 16, 2012

Great value and service at Pacific Beneficial

I just closed my mortgage refinance and wanted to share my experience with others. First, Lending Tree was a fast way to get a lot of contacts and action in your new or refi mortgage. Next I was surprised at the wide discrepancy between mortgage offers from the competing vendors. There was almost a 1% point spread between the high and low offers and the fees varied greatly. I quickly singled out Pacific Beneficial because their initial quote was in the right ballpark (given my simple online searches for current fix 15/30 year refi rates) and Alex Zelada was very straight forward and trustworthy. Alex patiently explained the process and how the rates were acquired and how the discounting and fees worked. I was astonished to find out how little my $450K refi would cost - and how abused I was by my previous mortgage broker several years ago. Working with Pacific Beneficial there were no hidden fees nor sudden pricing changes. I know I got the best rates and lowest costs from them, and had I not shopped around on Lending Tree I probably would have paid $5,000 more in fees and discounts than the low $2,500 I paid to Pacific Beneficial. I hope you can save some money too. By the rate, I got an insanely low rate of 3 1/8 and paid no points and had several standard fees credited back. Thus my total closing costs were around $2,500 - you cannot beat that anywhere. Alex at P.B. rocks.

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Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: Cave
San Jose, California

Reviewed On: May 11, 2012

Loan Request: April 3, 2012

Cave

I just went though a refinance with your company, specifically I went through Adam Carrion. Adam was extremely professional, friendly, and hard working, and made the refinance process extremely simple and enjoyable for me. I would definitely use your company again, and I would no doubt go right back to Adam. Thanks for everything, I plan to recommend your Company, and specifically Adam, to any and all persons I know who are in the business for a mortgage or refinance.

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Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: KellyR
Atascadero, CA

Reviewed On: April 20, 2012

Loan Request: February 18, 2012

You're gonna like doing business with PBM

To any prospective PBM client: The most important question any reviewer should ask of themselves is..."Would I use this product or service again?" For me, with PBM it's a resounding and unequivocal "Yes!" I initially chose PBM for my VA IRRRL (refi) because they bested 6 other brokers and lenders (to include my previous lender) on Interest Rate, Annual Percentage Rate, and Fees (in fact, looking at recent national statistics...less than 10% of Americans received an APR this low...and mine was in the "Jumbo Loan" category). And while that makes me a happy for the next 30 years (I'm saving $811/mo)...the professionals at PBM made this usually painful and complicated process rather simple, straightforward, and nearly effortless. You should also know that they were honest, sincere, always available, and had a tenacious work ethic. There were no "hidden fees"...I felt like a person, not a number...I could reach them anytime...and they got it done in 45 days (it would have been sooner, but you know how some home appraisers can drag their feet.) Lastly, I want to personally thank Adam, Peter, and Jason...you truly earned this rating! Semper Fidelis

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Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: RalphO
Inland Empire, Southern California

Reviewed On: August 21, 2011

Loan Request: April 21, 2011

Adam was just Awesome!

Adam and his team worked with me to make sure we got the best rate & terms we could. Our credit rating was pretty good but he helped ussqueeze out a few more points! Great Job! Pacific Beneficial Mortgage got it done in 2 months! Where MY Mortgage Holder, Bank of America, stopped processing my Quick Re-Fi, after 6 months when they said I was to slow getting them documents. To top it off BoA didn't even tell me! I had to call them! Pacific Beneficial Mortgage was polite, professional, and a pleasure to do business with!

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Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: MattK
Los Angeles, CA

Reviewed On: July 19, 2011

Loan Request: March 24, 2011

Goodbye B of A!

My agent at Pacific Beneficial, Adam Carrion, was oustanding- knowledgable, professional, responsive, and very pleasant to work with. It was a 4 month long process, as trying to get a good refi in today's market is very difficult, particularly with jumbo loans, but Adam's experience and persistence eventually paid off and we got it done- at a great rate. Thanks Adam and thanks Lending Tree!

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Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: DerekG
CA

Reviewed On: June 27, 2011

Loan Request: April 13, 2011

Couldn't be happier

This was our first home purchase, and we were looking for three things in a lender: 1) Competitive rates 2) Flexibility in arranging "the numbers" to fit our specific situation 3) Excellent customer service and friendly guidance through the whole nerve-racking process. Peter P from Pacific Beneficial delivered 100% on all 3 of these. Thank you very much indeed.

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Overall Rating
4 out of 5

Rate
4

Fees & Costs
4

Responsiveness
4

Customer Service
4

By: KK13
LA, CA

Reviewed On: May 27, 2011

Loan Request: April 20, 2011

VA Interest Rate Reduction Loan

Overall a very fine job. No cost to me, and I received the prevailing rate. A few minor paperwork mistakes which required some repeated forms to be signed, but nothing worth worrying over. Peter did a very good job.

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Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: XX5000
San Francisco Bay Area

Reviewed On: May 17, 2011

Loan Request: March 4, 2011

Great Experience with Pac Ben

We refinanced in record time in this difficult market with Adam and Jason at Pacific Beneficial. They were very professional and helpful in setting realistic targets and in being responsive. They were on their game and made it clear that they wanted our business and that they knew what was needed, why and when. A pleasant surprise.

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Overall Rating
5 out of 5

Rate
5

Fees & Costs
5

Responsiveness
5

Customer Service
5

By: charlesh
Los Angeles, CA

Reviewed On: May 9, 2011

Loan Request: March 10, 2011

Excellent Lender

Pacific Beneficial Mortgage was wonderful to deal with. I was very pleased with selecting them and getting my refinance done through them. Their rate was the best of any of the lenders, and was that way from the start, as opposed to some of the lenders who came down in rate after I told them what Pacific Beneficial was offering. Their fees and costs were not only comparable to the lowest other lenders, but they lowered them further to beat others. They were generally responsive and nice to work with. The only minor complaints I have are: their voicemail system does not let you speak to anyone, or leave a message unless you know the exact extension of the people you are dealing with, the loan took longer than expected to complete (mostly the bank's fault), and the estimate for closing amounts was off some, so it required a little more that I put in than I had planned. Overall I would rate them excellent, and would definitely recommend them.

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Ratings-only reviews for Pacific Beneficial Mortgage Company

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Rate
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Fees & Costs
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Based on 0 ratings-only reviews

These ratings are based on customers' evaluations of this lender since joining our Lender Network. These ratings do not include any customer comments. These reviews have been factored into the lender's overall rating.


Who is Pacific Beneficial Mortgage Company?

Pacific Beneficial is a wholesale mortgage brokerage specializing in residential mortgage origination. Our knowledgeable staff will listen to your short and long term goals and help you find the best loan program and pricing option to accomplish your goals. Whether you are purchasing your first home or refinancing your existing home we will guide...Pacific Beneficial is a wholesale mortgage brokerage specializing in residential mortgage origination. Our knowledgeable staff will listen to your short and long term goals and help you find the best loan program and pricing option to accomplish your goals. Whether you are purchasing your first home or refinancing your existing home we will guide you through the process. Our mission is to ensure that the most important transaction in your life is as stress free and smooth as possible.
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