NMLS# 260264

Pacific Beneficial Mortgage Company

Lender Summary

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.

What they're saying

Ratings & Reviews
799 Reviews
  • Interest Rates
  • Fees & Closing Costs
  • Responsiveness
  • Customer Service

Review Breakdown

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.

  • LendingTree Customer:



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.

  • LendingTree Customer:


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 sta*********.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 any******.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 Jas****.you truly earned this rating!

Semper Fidelis

  • LendingTree Customer:


Certified loan officers from this lender

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Pacific Beneficial Mortgage Company

Customer Satisfaction rating is based directly on customer ratings and reviews. Customers rate lenders on their customer service, interest rates, fees and closing cost and overall experience.

LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

Pacific Beneficial Mortgage Company

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