5.0 of 5starsRead Reviews
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.
Excellent Service and transparency
Alex at Pacific Beneficial was wonderful to work with. He was very responsive, respectful and fully transparent throughout the process. He did exactly as he said he would, when he said he would, which is important when dealing with someone completely virtually. We got a great loan, and the process was as streamlined as it could have been. Alex was a pleasure to work with and I would absolutely work with him again and recommend him to others.
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.
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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