Career Opprtunities
The lending industry has changed so much over the years and now more than ever it’s a great time to get involved in the business. With so many lenders closing their doors for good, it’s opening the door even further for companies like Pacific Shores Financial that have been going strong in the California Real Estate Market since 1994.
So what does this mean for you? It means you’ll have choices when it comes to selecting a lending company to start or continue your career. If you are looking for a reputable, approved direct lender to work with then look no further than Pacific Shores Financial.
Pacific Shores Financial is a well-established, highly reputable company that is very different than other lenders in that we are a direct lender offering onsite mortgage banking through our banking division ACBN as well as mortgage brokering to over 30 wholesale lenders.
Some of our retail offerings include:
- Conforming
- Conforming Jumbo
- FHA
- FHA Jumbo
“In-House” Correspondent Lenders:
- Wells Fargo
- Sun Trust
- Affiliated
- GMAC
- US Bank
- Flagstar
- Chase
Brokered Loans to:
- America Home Key
- American Financial Services
- Bank 2
- Bay Equity
- Citimortgage
- Community Commerce Bank
- Genworth Financial
- Financial Freedom
- Guild Mortgage
- Home Savings
- Housing Action Resource Trust
- HSBC Bank
- Kinecta
- Liberty Reverse Mortgage
- Luther Burbank
- Malaga Bank
- Marketplace Capital Group
- Met Life
- Nations Direct
- NBGI
- Pinnacle
- Provident Bank Mortgage
- Reunion Mortgage
- Security One Lending
- Sierra Pacific
- Sterling Coast Financial
- Sunwest Mortgage
- Titan Wholesale
- Union Bank of California
- US Bank
- Venture West
- Wells Fargo
Some of our retail offerings include:
- Conforming
- Conforming Jumbo
- FHA
- FHA Jumbo
“In-House” Correspondent Lenders:
- Wells Fargo
- Sun Trust
- Affiliated
- GMAC
- US Bank
- Flagstar
- Chase
Brokered Loans to:
- America Home Key
- American Financial Services
- Bank 2
- Bay Equity
- Citimortgage
- Community Commerce Bank
- Genworth Financial
- Financial Freedom
- Guild Mortgage
- Home Savings
- Housing Action Resource Trust
- HSBC Bank
- Kinecta
- Liberty Reverse Mortgage
- Luther Burbank
- Malaga Bank
- Marketplace Capital Group
- Met Life
- Nations Direct
- NBGI
- Pinnacle
- Provident Bank Mortgage
- Reunion Mortgage
- Security One Lending
- Sierra Pacific
- Sterling Coast Financial
- Sunwest Mortgage
- Titan Wholesale
- Union Bank of California
- US Bank
- Venture West
- Wells Fargo
Some additional retail niches:
- Appraisal Firewall – All appraisals are done through a “firewall” where there is no direct contact between the appraiser and the loan officer/processor.
- Property Flips – ACC will allow for a conventional purchase of a property sold within the previous 90 days on a case by case basis.
- Renegotiation – ACC has a renegotiation policy that helps our retail branches retain locked loans at fair prices/rates.
- Ability to do FHA loans – FHA loans in house
- No disclosing rebate
- Banking ability as well as brokering
- HVCC Appraisals – Retail HVCC Appraisals can be transferred throughout our network of investors internally
- Broker to our 33 wholesale investors if we need to
- Intranet (“Villiage”) – Allows for internal communication within company
- 10 max finance properties on conventional
- More flexibility with MI on retail side
- Non Owner purchase – eligible to use rental income to qualify.
- Cash Out Conforming Jumbo – unlimited cash out available
- True Jumbo
- Equity Division – Cash out for payoff of ex-spouse is considered rate/term as long as proceeds are paid through escrow, with separation agreement/divorce decree
- Rental Property Purchase – For a non-owner purchase, with DU eligibility you CAN count rental income without a 2 year history.
- Non-Occupying Co-Borrowers – blended ratios OK with LP approval on any FHLMC product
- VA Loans NOW AVAILABLE!
Pacific Shores Financial also offers in house processing and great turn times for loan officers!
