A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies primarily based on a property's rental income and cash flow rather than the borrower's personal income (like W-2s or tax returns).

How do you calculate DSCR?

DSCR is calculated as: Annual Gross Rental Income ÷ Annual Debt (Principal + Interest + Taxes + Insurance). A higher DSCR indicates the property is better able to cover its debt obligations.

What DSCR do lenders typically look for?

Many lenders typically look for a DSCR of 1.0 or greater, meaning the property's income can cover its annual debt payments. In some cases, options may still exist even if DSCR is below 1.0, depending on the loan terms.

What down payment is usually required for a DSCR loan in Florida?

DSCR loans often require higher down payments compared to traditional mortgages, commonly around 20–30% depending on the scenario and property.

Are DSCR loan interest rates higher than conventional loans?

They can be slightly higher than traditional loans because qualification relies more heavily on the property's cash flow and typically involves fewer personal-income documentation requirements.

Can DSCR loans be used for short-term rentals like Airbnb or VRBO in Florida?

Yes, DSCR loans are often a good fit for Florida investors pursuing short-term rental properties, since qualification is based on the income potential of the property.

How do I apply for a DSCR loan with Pacific Mortgage Group?

The process typically includes submitting an application, reviewing the property’s cash flow (income-to-expense ratio) to determine DSCR qualification, selecting loan terms, completing the approval process, and receiving funds after approval.

Physician Mortgage Loans in Florida

Buying a home while you finish training or start a new attending position brings its own financial questions, especially with student loan debt and a new employment contract in the picture.

At Pacific Mortgage Group, we built our physician mortgage loans around this reality. We offer mortgages to eligible medical professionals across Florida, including Miami, Orlando and Jacksonville, helping structure financing that fits the demands of a medical career.

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A physician mortgage loan looks at your situation differently than a conventional loan does. Instead of requiring years of W-2 income history, this loan type can qualify you using a signed employment contract, even before you formally start the job. Lenders often accept contract-based income in place of a traditional employment history, and this loan option treats deferred or income-driven student debt more flexibly than conventional programs when calculating your debt-to-income ratio.

Loan limits also tend to be higher than those for conventional financing, accommodating the higher home prices many physicians face in a competitive market.

Benefits Physicians and Dentists Can Expect

These loans remove barriers that often slow down conventional financing:

No down payment required: Many physician loan programs in Miami and other areas in Florida offer 100% financing, so you won’t have to wait years to save for a large down payment.
No private mortgage insurance (PMI): This loan type typically does not require PMI, even with little or no money down, which keeps your monthly payment lower.
Flexible closing timelines: Depending on the program, you may be able to close on your home before your official start date using your signed employment contract as documentation.
More lenient credit requirements: Loan requirements for physicians are also more flexible than those for conventional loans.

Who Qualifies for a Physician Home Loan?

Lenders design this loan option for physicians, dentists and other eligible medical professionals, including residents and fellows completing training at the region’s teaching hospitals. Orlando’s Lake Nona medical corridor in Orange County trains a large share of that workforce, and similar academic hospital networks anchor the medical communities that make this loan option so relevant statewide.

Our home loan programs cover buyers in each of these markets, and many purchase a first home before or shortly after their new position officially begins.

What to Expect From the Loan Process

Pacific Mortgage Group walks you through a straightforward process:

Preliminary assessment: We review your income, debts and assets to estimate what you can afford.
Preapproval: Our team reviews your documents and issues an approval letter that can give you a competitive edge while house hunting.
Property selection and appraisal: Once you find a property and negotiate a contract, it undergoes an appraisal to confirm it meets lending standards.
Closing: You sign your loan documents and complete the closing process.

Pacific Mortgage Group has helped buyers secure home financing since 2006, and that experience extends to physicians relocating across state lines. We are licensed in California, Florida, Oregon, Colorado and Washington, which means a physician relocating between these states, a common pattern for residents matching into local programs, can work with a single broker who carries the loan process across state lines.

Our relationships with wholesale lenders allow us to shop for competitive rates on your behalf. Learn more about our team and how we support medical professionals through the homebuying process.

Request Your Physician Loan Quote Today

See what a doctor’s mortgage loan could look like for your upcoming move. Contact Pacific Mortgage Group to request a quote from a loan officer familiar with the Florida market.

Additional questions? Call us at (951) 531-1399 or contact us on Yelp.

Trusted by Thousands of Happy Customers

It’s not often a real estate agent leaves a review for a lender. But when the lender deserves it, that means they worked their ass off to do a great deal. This Lender deserves it. She did fantastic. Finished everything on time and gave us full confidence to go into the deal with no appraisal contingency and no loan contingency. You’re definitely in great hands with Raeda. Highly recommended
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T. Chatih
9/11/2026

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T. Chatih

9/11/2026

It’s not often a real estate agent leaves a review for a lender. But when the lender deserves it, that means they worked their ass off to do a great deal. This Lender deserves it. She did fantastic. Finished everything on time and gave us full confidence to go into the deal with no appraisal contingency and no loan contingency. You’re definitely in great hands with Raeda. Highly recommended

I’ve been dealing with Raeda for many years and she helped me with mm any loans for purchases and refinances. Raeda always came through for me and always helped with hard obstacles.
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S. Khalil
9/11/2026

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S. Khalil

9/11/2026

I’ve been dealing with Raeda for many years and she helped me with mm any loans for purchases and refinances. Raeda always came through for me and always helped with hard obstacles.
Raeda is the most professional mortgage broker I have had the privilege of working with! She is timely and cordial in her responses and wise beyond her years. I just closed on my first home and can't imagine what this process would have felt like without her each step of the way! Thanks again, Raeda!!
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A. Khalil
9/10/2026

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A. Khalil

9/10/2026

Raeda is the most professional mortgage broker I have had the privilege of working with! She is timely and cordial in her responses and wise beyond her years. I just closed on my first home and can't imagine what this process would have felt like without her each step of the way! Thanks again, Raeda!!

We had an exceptional experience working with this Pacific mortgage company from start to finish! Purchasing a home can be stressful enough, and it was initially a little uneasy working with a company located out of state. However, Maram and her team quickly put our minds at ease with their professionalism, organization, and excellent communication throughout the entire process.They were incredibly responsive and proactive, always keeping us informed and staying ahead of each step. What really stood out was their knowledge and willingness to explain all of our options. Not many mortgage companies are familiar with the Family Opportunity Mortgage, but they were extremely knowledgeable and made the entire process feel simple and manageable.We truly felt like we were in good hands every step of the way. Their attention to detail, professionalism, and commitment to making sure everything went smoothly were top-notch. We highly recommend them to anyone looking for a mortgage company that is knowledgeable, responsive, organized, and genuinely committed to their clients!
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T. 6365
9/08/2026

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T. 6365

9/08/2026

We had an exceptional experience working with this Pacific mortgage company from start to finish! Purchasing a home can be stressful enough, and it was initially a little uneasy working with a company located out of state. However, Maram and her team quickly put our minds at ease with their professionalism, organization, and excellent communication throughout the entire process.They were incredibly responsive and proactive, always keeping us informed and staying ahead of each step. What really stood out was their knowledge and willingness to explain all of our options. Not many mortgage companies are familiar with the Family Opportunity Mortgage, but they were extremely knowledgeable and made the entire process feel simple and manageable.We truly felt like we were in good hands every step of the way. Their attention to detail, professionalism, and commitment to making sure everything went smoothly were top-notch. We highly recommend them to anyone looking for a mortgage company that is knowledgeable, responsive, organized, and genuinely committed to their clients!
Pacific mortgage group I don’t know where to start with this company, but I had a pleasure working with Maram on both of my properties. Any question answered with no delay Hands down one of the best companies I ever worked with since dealing with property The team altogether worked hard on my project Five stars for Pacific mortgage group definitely will utilize this company again, they put in the work for you
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k. hampton
9/03/2026

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k. hampton

9/03/2026

Pacific mortgage group I don’t know where to start with this company, but I had a pleasure working with Maram on both of my properties. Any question answered with no delay Hands down one of the best companies I ever worked with since dealing with property The team altogether worked hard on my project Five stars for Pacific mortgage group definitely will utilize this company again, they put in the work for you

I had another great experience working with Pacific Mortgage Group! This is the second time we’ve worked with them. Raeda, Carlos, and Alex were incredibly helpful throughout the entire process. They were professional, patient, responsive, and always willing to answer our questions and explain everything clearly.
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L. Cervantes
8/22/2026

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L. Cervantes

8/22/2026

I had another great experience working with Pacific Mortgage Group! This is the second time we’ve worked with them. Raeda, Carlos, and Alex were incredibly helpful throughout the entire process. They were professional, patient, responsive, and always willing to answer our questions and explain everything clearly.
I rarely write a review for someone I ultimately didn't end up doing business with, but Khaled deserves one. I originally wanted to use him for my home purchase, but I ultimately went with another lender despite my better judgment.What impressed me was how Khaled handled that. He had put significant time and effort into finding a way to make my difficult loan scenario work. When I told him I was going with another lender, he didn't pressure me, become hostile, or try to make me feel guilty. He told me that maintaining my trust and hopefully earning my business in the future was more important than alienating me over one transaction.I have tremendous respect for that kind of integrity. Looking back, I genuinely regret not giving Khaled my business. Of everyone I dealt with during this process, he was the person who kept trying to find solutions when others initially wrote me off, and he conducted himself professionally even when doing so didn't benefit him financially.When someone is helping you make one of the largest financial decisions of your life, honesty and integrity matter enormously. Khaled demonstrated both. I would absolutely recommend speaking with him, and he will be the first person I call when I need mortgage services again.
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C. Metter
8/20/2026

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C. Metter

8/20/2026

I rarely write a review for someone I ultimately didn't end up doing business with, but Khaled deserves one. I originally wanted to use him for my home purchase, but I ultimately went with another lender despite my better judgment.What impressed me was how Khaled handled that. He had put significant time and effort into finding a way to make my difficult loan scenario work. When I told him I was going with another lender, he didn't pressure me, become hostile, or try to make me feel guilty. He told me that maintaining my trust and hopefully earning my business in the future was more important than alienating me over one transaction.I have tremendous respect for that kind of integrity. Looking back, I genuinely regret not giving Khaled my business. Of everyone I dealt with during this process, he was the person who kept trying to find solutions when others initially wrote me off, and he conducted himself professionally even when doing so didn't benefit him financially.When someone is helping you make one of the largest financial decisions of your life, honesty and integrity matter enormously. Khaled demonstrated both. I would absolutely recommend speaking with him, and he will be the first person I call when I need mortgage services again.

Maram was fast, efficient, and great to communicate with.
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C. Cecena
7/30/2026

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C. Cecena

7/30/2026

Maram was fast, efficient, and great to communicate with.
I had an outstanding experience working with Raeda at Pacific Mortgage Group. She made the home loan process smooth, stress-free, and easy to understand. She was always available to answer my questions and kept me updated every step of the way. I highly recommend her!Thank you so much for everything!!
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G. Abdalnour
7/21/2026

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G. Abdalnour

7/21/2026

I had an outstanding experience working with Raeda at Pacific Mortgage Group. She made the home loan process smooth, stress-free, and easy to understand. She was always available to answer my questions and kept me updated every step of the way. I highly recommend her!Thank you so much for everything!!

Great Experience so far. I'm looking forward to working with you and Pacific Mortgage.
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N. Scardino
7/14/2026

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N. Scardino

7/14/2026

Great Experience so far. I'm looking forward to working with you and Pacific Mortgage.
Khaled,Trinity, and Vanessa did an amazing job with our HELOC . The process was seamless, probably the best experience I’ve had in a loan process. They kept me updated on everything that was going on, answered any questions I had, if I asked a question I received an email immediately from them answering my questions. Top notch all around. Exceptional Customer Service Experience!!!!
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l. antley
5/21/2026

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l. antley

5/21/2026

Khaled,Trinity, and Vanessa did an amazing job with our HELOC . The process was seamless, probably the best experience I’ve had in a loan process. They kept me updated on everything that was going on, answered any questions I had, if I asked a question I received an email immediately from them answering my questions. Top notch all around. Exceptional Customer Service Experience!!!!

Khaled and his team Trinity, Vanessa and Pacific mortgage as a whole provided us with Excellent Service.The team was great, professional, and highly efficient, delivering swift service from start to finish.I appreciated the clear communication, timely updates, and responsiveness throughout the process.The overall experience was seamless and reassuring, reflecting strong expertise and customer focus.
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L. Montgomery
5/21/2026

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L. Montgomery

5/21/2026

Khaled and his team Trinity, Vanessa and Pacific mortgage as a whole provided us with Excellent Service.The team was great, professional, and highly efficient, delivering swift service from start to finish.I appreciated the clear communication, timely updates, and responsiveness throughout the process.The overall experience was seamless and reassuring, reflecting strong expertise and customer focus.
Excellent service and very professional team. The process was smooth, fast, and stress-free. Highly recommend Pacific Mortgage Group for anyone looking for reliable and honest mortgage assistance.
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M. LLC
5/21/2026

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M. LLC

5/21/2026

Excellent service and very professional team. The process was smooth, fast, and stress-free. Highly recommend Pacific Mortgage Group for anyone looking for reliable and honest mortgage assistance.

Khalid, Trinity, Vanessa and the whole teamPacific mortgage were incredible! We’ve been using them for years and they always do their best and getting us the best deals!
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C. Beer
5/21/2026

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C. Beer

5/21/2026

Khalid, Trinity, Vanessa and the whole teamPacific mortgage were incredible! We’ve been using them for years and they always do their best and getting us the best deals!
Used a lot of lenders before, but Pacific has been five stars from the beginning they were able to finish in two weeks in terms of the Loan documentations that were required and we’re very well prepared for escrow closing before the required time. They have a vast network of lenders that I was able to choose from which gave me a lot of options, especially if you’re looking for a multi unit Financing. They could get anything done. Will be using them again soon
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m. salamh
5/20/2026

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m. salamh

5/20/2026

Used a lot of lenders before, but Pacific has been five stars from the beginning they were able to finish in two weeks in terms of the Loan documentations that were required and we’re very well prepared for escrow closing before the required time. They have a vast network of lenders that I was able to choose from which gave me a lot of options, especially if you’re looking for a multi unit Financing. They could get anything done. Will be using them again soon

The BEST always. If you need a loan for a new purchase or refinance, Raeda is your go to mortgage expert. She is amazing, prompt and knows her stuff. She thinks outside the box and give you the best options and rates to choose from.
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s. ahmad
11/07/2025

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s. ahmad

11/07/2025

The BEST always. If you need a loan for a new purchase or refinance, Raeda is your go to mortgage expert. She is amazing, prompt and knows her stuff. She thinks outside the box and give you the best options and rates to choose from.
Maram was amazing to work with! She made the loan process smooth and stress-free, always communicating clearly and answering my questions quickly. Her professionalism and friendly attitude really stood out. Thank you, Maram, for your excellent service and support!
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Z. Amir
11/01/2025

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Z. Amir

11/01/2025

Maram was amazing to work with! She made the loan process smooth and stress-free, always communicating clearly and answering my questions quickly. Her professionalism and friendly attitude really stood out. Thank you, Maram, for your excellent service and support!

This is our second time we use PMG this past year. Raeda and her team was amazing again!!!! They made the process extremely easy and effortless.. thank you so much!!! Looking forward to working together again in the near future.
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C. Cruz
10/15/2025

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C. Cruz

10/15/2025

This is our second time we use PMG this past year. Raeda and her team was amazing again!!!! They made the process extremely easy and effortless.. thank you so much!!! Looking forward to working together again in the near future.
From start to finish it was a wonderful experience working with Khaled and Vanessa was excellent. They were both very very patience and very understanding answered all our questions. Khaled Was always available to and willing to help in any possible. EXCELLENT COMMUNICATION, VERY PROFESSIONAL, ALWAYS ALWAYS WENT UP AND BEYOND TO MAKE SURE ALL MY many Questions & CONCERNS WERE ANSWERED. KHALED A SPECIAL THANK YOU FOR THE LATE NIGHT CALL ALL THE TIME YOU TOOK TO REALLY HELP GUIDE US THROUGH THIS PROCESS AGAIN THANK PACIFIC MORTAGE GROUP We are truly thankful beyond Grateful for you all support Thank you Thank you
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j. santos
10/15/2025

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j. santos

10/15/2025

From start to finish it was a wonderful experience working with Khaled and Vanessa was excellent. They were both very very patience and very understanding answered all our questions. Khaled Was always available to and willing to help in any possible. EXCELLENT COMMUNICATION, VERY PROFESSIONAL, ALWAYS ALWAYS WENT UP AND BEYOND TO MAKE SURE ALL MY many Questions & CONCERNS WERE ANSWERED. KHALED A SPECIAL THANK YOU FOR THE LATE NIGHT CALL ALL THE TIME YOU TOOK TO REALLY HELP GUIDE US THROUGH THIS PROCESS AGAIN THANK PACIFIC MORTAGE GROUP We are truly thankful beyond Grateful for you all support Thank you Thank you

It was by far the easiest loan process, closed in time. Anytime I had a question I was able to reach out and get answers very quickly. Thank you
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w. diab
10/10/2025

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w. diab

10/10/2025

It was by far the easiest loan process, closed in time. Anytime I had a question I was able to reach out and get answers very quickly. Thank you
I was very happy with Khaled and Vanessa's service with Pacific Mortgage Group. Their service was quick, communicative, and helped me purchase my home within my budget. At one point I was about to give up because there were so many conditions set by the lender but we were able to close escrow and with 10% down on a conventional Fannie Mae loan I was very happy with the results. My dream of owning a condo in prime location Koreatown came true! This was a condo that I always wanted to live in having nostalgic memories when I visited my aunt's home as a child. I highly recommend working with Khaled at Pacific Mortgage Group and their team's expertise!
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J. Carter
10/07/2025

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J. Carter

10/07/2025

I was very happy with Khaled and Vanessa's service with Pacific Mortgage Group. Their service was quick, communicative, and helped me purchase my home within my budget. At one point I was about to give up because there were so many conditions set by the lender but we were able to close escrow and with 10% down on a conventional Fannie Mae loan I was very happy with the results. My dream of owning a condo in prime location Koreatown came true! This was a condo that I always wanted to live in having nostalgic memories when I visited my aunt's home as a child. I highly recommend working with Khaled at Pacific Mortgage Group and their team's expertise!

Simply outstanding! communication, transparency, efficiency, and professionalism from our Loan officer Raeda Jaber and Her assistant Carlos Gale. From the moment we engage on the first inquiry until the end! available 24/7 to answer all of our Questions. Thank you, for making our Loan easy. Keep up the good work!
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E. Gazo
8/29/2025

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E. Gazo

8/29/2025

Simply outstanding! communication, transparency, efficiency, and professionalism from our Loan officer Raeda Jaber and Her assistant Carlos Gale. From the moment we engage on the first inquiry until the end! available 24/7 to answer all of our Questions. Thank you, for making our Loan easy. Keep up the good work!
"I'm so grateful for all the help you provided during the home buying process. Your expertise and guidance made everything so much easier, and I couldn't have done it without you."
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S.
8/07/2025

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S.

8/07/2025

"I'm so grateful for all the help you provided during the home buying process. Your expertise and guidance made everything so much easier, and I couldn't have done it without you."

pacific mortgage did a great job, Khaled and Trinity were excellent in getting the deal done!
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J. Alexander
5/31/2025

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J. Alexander

5/31/2025

pacific mortgage did a great job, Khaled and Trinity were excellent in getting the deal done!
Great experience with the professionals. The loan officer Khaled and his processor Trinity helped me to get my dream house! Their assistance through the whole mortgage application process made my life so much easier and def will work with them again for refinance in the future!
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A. S
5/28/2025

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A. S

5/28/2025

Great experience with the professionals. The loan officer Khaled and his processor Trinity helped me to get my dream house! Their assistance through the whole mortgage application process made my life so much easier and def will work with them again for refinance in the future!

Another smooth loan closing, I will always come back to Pacific Mortgage. Thank you Khaled and Trinity for your making it easy and timely.Ash
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C. First
5/21/2025

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C. First

5/21/2025

Another smooth loan closing, I will always come back to Pacific Mortgage. Thank you Khaled and Trinity for your making it easy and timely.Ash
Ramzi and Trinity made the experience quick and easy! I 100% would recommend them to everyone who is looking to buy a house. I will definitely go back to this amazing company for future mortgage needs.
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M. Cortes
5/19/2025

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M. Cortes

5/19/2025

Ramzi and Trinity made the experience quick and easy! I 100% would recommend them to everyone who is looking to buy a house. I will definitely go back to this amazing company for future mortgage needs.

I thought it was a long shot that we would be able obtain a cash out refinance loan but Khaled walked me through the process, explained all of the options and we were able to get the loan! Khaled was very helpful every step of the way explaining what we had to do and what each step would entail. I can enthusiastically say that I had a very positive experience with Pacific Mortgage!
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M. Ku
5/16/2025

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M. Ku

5/16/2025

I thought it was a long shot that we would be able obtain a cash out refinance loan but Khaled walked me through the process, explained all of the options and we were able to get the loan! Khaled was very helpful every step of the way explaining what we had to do and what each step would entail. I can enthusiastically say that I had a very positive experience with Pacific Mortgage!
My family and I have had the pleasure of working with Raeda and the team at Pacific Mortgage Group over the last few years! They have always gone above and beyond in taking care of us! If you are looking to purchase or refinance, look no further, Pacific Mortgage Group is the way to go!
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M. Khalil
4/29/2025

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M. Khalil

4/29/2025

My family and I have had the pleasure of working with Raeda and the team at Pacific Mortgage Group over the last few years! They have always gone above and beyond in taking care of us! If you are looking to purchase or refinance, look no further, Pacific Mortgage Group is the way to go!

I couldn't be any happier with my experience. Raeda was incredibly helpful and knowledgeable. The entire process was smooth, I highly recommend Pacific Mortage Group to anyone. Thanks again!
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G. Catering
4/16/2025

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G. Catering

4/16/2025

I couldn't be any happier with my experience. Raeda was incredibly helpful and knowledgeable. The entire process was smooth, I highly recommend Pacific Mortage Group to anyone. Thanks again!
Pacific Mortgage Group was great to work with, always very responsive and worked hard to find me the best mortgage possible.
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D. Humm
4/09/2025

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D. Humm

4/09/2025

Pacific Mortgage Group was great to work with, always very responsive and worked hard to find me the best mortgage possible.

Working with Raeda and her team was a fantastic experience! From the initial call to closing day, the entire process was smooth and clearly communicated. I highly recommend them—don’t hesitate to reach out with any questions
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S. Trioputra
4/08/2025

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S. Trioputra

4/08/2025

Working with Raeda and her team was a fantastic experience! From the initial call to closing day, the entire process was smooth and clearly communicated. I highly recommend them—don’t hesitate to reach out with any questions
Ramzi and his team were professional, friendly, and found the best possible loan option for our first mortgage. They worked well to get the information the lender needed and were responsive with our realtor. Would absolutely recommend Ramzi and the Pacific Mortgage group.
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B. Stuercke
3/18/2025

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B. Stuercke

3/18/2025

Ramzi and his team were professional, friendly, and found the best possible loan option for our first mortgage. They worked well to get the information the lender needed and were responsive with our realtor. Would absolutely recommend Ramzi and the Pacific Mortgage group.

I just bought my first home and wanted to share my experience. My friend recommended me to a loan officer named Ramzi, so I told my realtor about him. She said he was really good and fast to respond. Every time I needed something, Ramzi was super quick to get back to her. When I called him, he always answered my questions and made sure I understood everything. Ramzi helped me get my closing costs lower and secured the best interest rate possible. The escrow lady even mentioned that it was the lowest rate she had seen this year! Overall, I had a great experience working with Ramzi and my realtor, and I highly recommend them to anyone looking to buy a home.
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V. Gonzales
3/17/2025

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V. Gonzales

3/17/2025

I just bought my first home and wanted to share my experience. My friend recommended me to a loan officer named Ramzi, so I told my realtor about him. She said he was really good and fast to respond. Every time I needed something, Ramzi was super quick to get back to her. When I called him, he always answered my questions and made sure I understood everything. Ramzi helped me get my closing costs lower and secured the best interest rate possible. The escrow lady even mentioned that it was the lowest rate she had seen this year! Overall, I had a great experience working with Ramzi and my realtor, and I highly recommend them to anyone looking to buy a home.
They went above and beyond with helping me even on the items that wasn't related to their scope. Homeowner seller agreement, contacting insurance company, dealing with title for missing info. They did a lot of stuff to help get me through the process before I even committed to them for loan.
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A. Duer
3/03/2025

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A. Duer

3/03/2025

They went above and beyond with helping me even on the items that wasn't related to their scope. Homeowner seller agreement, contacting insurance company, dealing with title for missing info. They did a lot of stuff to help get me through the process before I even committed to them for loan.

My experience with Pacific Mortgage and Reada was absolutely AMAZING. Raeda is extremely caring, understanding and professional. With her by my side there was never a moment that I had to worry about anything. I would recommend Raeda and her team to everyone I know. I thank God for Raeda and Pacific Mortgage Company.
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T. Franklin
2/02/2025

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T. Franklin

2/02/2025

My experience with Pacific Mortgage and Reada was absolutely AMAZING. Raeda is extremely caring, understanding and professional. With her by my side there was never a moment that I had to worry about anything. I would recommend Raeda and her team to everyone I know. I thank God for Raeda and Pacific Mortgage Company.
Khaled and the team at pacific mortgage have been an incredible help with my loans. Their expertise, professionalism, and genuine care made the process smooth and stress-free every time. Khaled goes above and beyond to ensure everything is handled perfectly and always takes the time to answer questions and explain options. Highly recommend for anyone needing mortgage assistance—you won't find better!
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N. Obeid
1/19/2025

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N. Obeid

1/19/2025

Khaled and the team at pacific mortgage have been an incredible help with my loans. Their expertise, professionalism, and genuine care made the process smooth and stress-free every time. Khaled goes above and beyond to ensure everything is handled perfectly and always takes the time to answer questions and explain options. Highly recommend for anyone needing mortgage assistance—you won't find better!

Raeda was very helpful and made everything easy. If I could give her more than five stars, I would. She is very experienced and I would recommend her.
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a. alkhatib
12/27/2024

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a. alkhatib

12/27/2024

Raeda was very helpful and made everything easy. If I could give her more than five stars, I would. She is very experienced and I would recommend her.
Don’t even think twice. Just call them up! You won’t regret it!! I am so grateful that I crossed paths with Ramzi and his team at Pacific Mortgage Group. I had given up hope but then this amazing group worked with me for months to get me solutions with the best rates for my situation. Ramzi was communicative, explained things thoroughly and never gave up on me! Thank you Ramzi and Pacific Mortgage Group as a whole! I will recommend you to everyone I know that’s in the market for your services!
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P. “Karyatisa”
12/14/2024

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P. “Karyatisa”

12/14/2024

Don’t even think twice. Just call them up! You won’t regret it!! I am so grateful that I crossed paths with Ramzi and his team at Pacific Mortgage Group. I had given up hope but then this amazing group worked with me for months to get me solutions with the best rates for my situation. Ramzi was communicative, explained things thoroughly and never gave up on me! Thank you Ramzi and Pacific Mortgage Group as a whole! I will recommend you to everyone I know that’s in the market for your services!

This was my first home buying experience and I think it went as smoothly as I could have hoped. Carlos helped me find the absolute best interest rate around and explained the process with patience and worked around my extremely hectic schedule. I had many questions and was understandably anxious about this process and they definitely put me at easy by answering any questions I had with patience and simplicity. I will definitely be using them again when it’s time to buy my next property.
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J. Ramirez
12/08/2024

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J. Ramirez

12/08/2024

This was my first home buying experience and I think it went as smoothly as I could have hoped. Carlos helped me find the absolute best interest rate around and explained the process with patience and worked around my extremely hectic schedule. I had many questions and was understandably anxious about this process and they definitely put me at easy by answering any questions I had with patience and simplicity. I will definitely be using them again when it’s time to buy my next property.

Call Pacific Mortgage Group Today

Call (951) 531-9139 to learn more about our services and schedule a visit. You can also fill out our contact form and we’ll be happy to get back to you as soon as possible.

Physician Mortgage Loans in Florida

Get Started

How a Physician Loan Works

Benefits Physicians and Dentists Can Expect

Who Qualifies for a Physician Home Loan?

What to Expect From the Loan Process

Why Choose Pacific Mortgage Group?

Request Your Physician Loan Quote Today

Customer Testimonials

Trusted by Thousands of Happy Customers

Call Pacific Mortgage Group Today

Call Pacific Mortgage Group Today

Physician Mortgage Loans in Florida​

Get Started

How a Physician Loan Works

Benefits Physicians and Dentists Can Expect

Who Qualifies for a Physician Home Loan?

What to Expect From the Loan Process

Why Choose Pacific Mortgage Group?

Request Your Physician Loan Quote Today

Customer Testimonials

Trusted by Thousands of Happy Customers

Call Pacific Mortgage Group Today

Call Pacific Mortgage Group Today

Physician Mortgage Loans in Florida