Home Loan Process
When you are looking for your dream home, you should be able to focus entirely on finding it rather than worrying about the mortgage process.
So that you can concentrate on your home search, we make the mortgage process easy. Here is what to expect when you apply for a home loan with Pacific Mortgage Group.
The mortgage process starts when you call (951) 531-1399 to schedule a consultation. Your consultation gives you a chance to ask your questions and describe your goals.
Our loan experts will listen and ask you questions to understand your scenario, which will help us match you with the right loan product.
We will also answer all of your questions in as much detail as you need to understand the process of buying a home and the different loan types.
After the consultation, we will pre-approve you for a home loan. Mortgage pre-approval helps you out in a couple of ways:
• You find out how much home you can afford.
• When you negotiate with sellers, you can show them the pre-approval letter.
Mortgage pre-approval can really help move the home search process forward.
Next, it is time for you to apply for a mortgage. This process involves an assessment of your credit score, debt-to-income ratio, income and employment history.
The documents you need to provide depend on whether you are an employee or you are self-employed. We have streamlined processes in place to make it easy either way.
The next step is one you don’t have to worry about, because we take care of it. While we carry out the appraisal and underwriting, you can proceed with your house hunt.
As you wait for final approval, we provide conditional approval, which comes with a loan commitment.
There might be a requirement for a few pending documents. Once you provide those documents, we can submit them.
After the last stages of underwriting are complete, we issue the final approval on your home loan.
Now the only thing left to take care of is closing and giving you your keys. Then you can move into your dream home.
Customers Testimonials
Trusted by Thousands of Happy Customers
- pacific mortgage did a great job, Khaled and Trinity were excellent in getting the deal done!read moreread less
J. Alexander5/31/2025×J. Alexander5/31/2025pacific 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!read moreread less A. S5/28/2025×A. S5/28/2025Great 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.Ashread moreread less C. First5/21/2025×C. First5/21/2025Another smooth loan closing, I will always come back to Pacific Mortgage. Thank you Khaled and Trinity for your making it easy and timely.AshRamzi 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.read moreread less M. Cortes5/19/2025×M. Cortes5/19/2025Ramzi 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!read moreread less M. Ku5/16/2025×M. Ku5/16/2025I 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!read moreread less M. Khalil4/29/2025×M. Khalil4/29/2025My 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!read moreread less G. Catering4/16/2025×G. Catering4/16/2025I 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.read moreread less D. Humm4/09/2025×D. Humm4/09/2025Pacific 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 questionsread moreread less S. Trioputra4/08/2025×S. Trioputra4/08/2025Working 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 questionsRamzi 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.read moreread less B. Stuercke3/18/2025×B. Stuercke3/18/2025Ramzi 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.read moreread less V. Gonzales3/17/2025×V. Gonzales3/17/2025I 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.read moreread less A. Duer3/03/2025×A. Duer3/03/2025They 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.read moreread less T. Franklin2/02/2025×T. Franklin2/02/2025My 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!read moreread less N. Obeid1/19/2025×N. Obeid1/19/2025Khaled 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.read moreread less a. alkhatib12/27/2024×a. alkhatib12/27/2024Raeda 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!read moreread less P. “Karyatisa”12/14/2024×P. “Karyatisa”12/14/2024Don’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.read moreread less J. Ramirez12/08/2024×J. Ramirez12/08/2024This 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.We had an outstanding experience working with Khaled from Pacific Mortgage Group. Despite the chaotic mortgage market, Khaled guided my family and me through every step of the process and locked in a mortgage rate that was far better than what Wells Fargo and other lenders could offer. That alone speaks volumes! Khaled was prompt, professional, and incredibly patient throughout the entire process. We never felt rushed or pressured, and he took the time to thoroughly answer all of our questions. His expertise and dedication made what could have been a stressful experience feel smooth and manageable. If you're looking for a mortgage loan originator who truly has your best interests at heart, I highly recommend Khaled and Pacific Mortgage Group. You won't be disappointed!read moreread less L. Belo12/07/2024×L. Belo12/07/2024We had an outstanding experience working with Khaled from Pacific Mortgage Group. Despite the chaotic mortgage market, Khaled guided my family and me through every step of the process and locked in a mortgage rate that was far better than what Wells Fargo and other lenders could offer. That alone speaks volumes! Khaled was prompt, professional, and incredibly patient throughout the entire process. We never felt rushed or pressured, and he took the time to thoroughly answer all of our questions. His expertise and dedication made what could have been a stressful experience feel smooth and manageable. If you're looking for a mortgage loan originator who truly has your best interests at heart, I highly recommend Khaled and Pacific Mortgage Group. You won't be disappointed!
- Khaled has always been very helpfull and has found solutions even in complicated situations. We are completely satisfied with the service.read moreread less S. NEI12/07/2024×S. NEI12/07/2024Khaled has always been very helpfull and has found solutions even in complicated situations. We are completely satisfied with the service.Pacific Mortgage Group Raeda, It was truly a pleasure working with you. Your professionalism, promptness, and efficiency stood out throughout our collaboration. I appreciate your dedication and the seamless experience you provided. Thank you for your hard work and support!read moreread less M. Mendoza12/07/2024×M. Mendoza12/07/2024Pacific Mortgage Group Raeda, It was truly a pleasure working with you. Your professionalism, promptness, and efficiency stood out throughout our collaboration. I appreciate your dedication and the seamless experience you provided. Thank you for your hard work and support!
- I appreciate the communication, Keeping me informed on every step that was made and overall. The Professionalism!!!read moreread less G. Bonner12/07/2024×G. Bonner12/07/2024I appreciate the communication, Keeping me informed on every step that was made and overall. The Professionalism!!!Khaled did a great job on my refinance. With all the difficulties we went through, he was on top of everything. Thanksread moreread less C. Golden11/23/2024×C. Golden11/23/2024Khaled did a great job on my refinance. With all the difficulties we went through, he was on top of everything. Thanks
- James at Pacific mortgage was very patient and had a lot of knowledge , in my case everything went smoothly, for that I give a five-star rating. And I am looking forward to working with them in the near future. thank you once again Pacific mortgage.read moreread less R. Villa11/22/2024×R. Villa11/22/2024James at Pacific mortgage was very patient and had a lot of knowledge , in my case everything went smoothly, for that I give a five-star rating. And I am looking forward to working with them in the near future. thank you once again Pacific mortgage.Excelente servicio por parte de Carlos galeread moreread less S. Zom11/22/2024×S. Zom11/22/2024Excelente servicio por parte de Carlos gale
- I recently worked with Raeda Jaber at Pacific Mortgage Group for my mortgage, and I couldn't be happier with the experience. From our first meeting, she demonstrated an impressive depth of knowledge about the mortgage process and was always ready to answer my questions. Raeda took the time to understand my financial situation and helped me find the best mortgage option tailored to my needs. She guided me through every step, making what can often be a daunting process feel manageable and straightforward. Communication was excellent; I was kept informed at every stage, and I appreciated her quick responses to my inquiries. Thanks to Raeda's expertise and support, I secured a great rate and closed on my home smoothly. I highly recommend Raeda to anyone looking for a reliable and knowledgeable mortgage broker. Thank you for helping me purchase my home.read moreread less N. Alsmadi10/24/2024×N. Alsmadi10/24/2024I recently worked with Raeda Jaber at Pacific Mortgage Group for my mortgage, and I couldn't be happier with the experience. From our first meeting, she demonstrated an impressive depth of knowledge about the mortgage process and was always ready to answer my questions. Raeda took the time to understand my financial situation and helped me find the best mortgage option tailored to my needs. She guided me through every step, making what can often be a daunting process feel manageable and straightforward. Communication was excellent; I was kept informed at every stage, and I appreciated her quick responses to my inquiries. Thanks to Raeda's expertise and support, I secured a great rate and closed on my home smoothly. I highly recommend Raeda to anyone looking for a reliable and knowledgeable mortgage broker. Thank you for helping me purchase my home.Excellent company to work with highly recommendread moreread less D. Golding10/24/2024×D. Golding10/24/2024Excellent company to work with highly recommend
- We recently closed on our first home in Florida, and working with Ramzi Al-Shurman as our loan officer was an excellent experience. My wife and I had many questions throughout the process, and Ramzi took the time to explain everything, ensuring we understood all our options and what was best for us. I was introduced to Ramzi by a coworker who had a great experience with him when purchasing his family home, and he absolutely lived up to that reputation. He is honest, hardworking, and genuinely cares about his clients. Not only did he make the entire process as smooth as possible, but he also secured us the best rate available. We couldn’t be happier with the service Ramzi provided. You won’t regret choosing him to work on your loan!read moreread less d. dejesus10/17/2024×d. dejesus10/17/2024We recently closed on our first home in Florida, and working with Ramzi Al-Shurman as our loan officer was an excellent experience. My wife and I had many questions throughout the process, and Ramzi took the time to explain everything, ensuring we understood all our options and what was best for us. I was introduced to Ramzi by a coworker who had a great experience with him when purchasing his family home, and he absolutely lived up to that reputation. He is honest, hardworking, and genuinely cares about his clients. Not only did he make the entire process as smooth as possible, but he also secured us the best rate available. We couldn’t be happier with the service Ramzi provided. You won’t regret choosing him to work on your loan!Khaled has always been very helpfull and always available. He gives promt answers and has been a key consultant for us during all our loan processes. We will surely continue to work with him.read moreread less a. gigli10/14/2024×a. gigli10/14/2024Khaled has always been very helpfull and always available. He gives promt answers and has been a key consultant for us during all our loan processes. We will surely continue to work with him.
- I was referred to KHALED and he did an excellent job. Thank youread moreread less H. Alkhatib10/13/2024×H. Alkhatib10/13/2024I was referred to KHALED and he did an excellent job. Thank youRamzi , thank you for everything. You help me so much. I will definitely put your name out there to my friends. I was a little nervous never did this before, but you were very understanding and help me with this difficult time. Thank you so much.read moreread less L. A10/12/2024×L. A10/12/2024Ramzi , thank you for everything. You help me so much. I will definitely put your name out there to my friends. I was a little nervous never did this before, but you were very understanding and help me with this difficult time. Thank you so much.
- ???? Khaled and Pacific Mortgage Group, We cannot thank you enough for the incredible effort you put into making this happen. Your dedication and hard work truly stand out, and it’s been an absolute pleasure working with you. We’re beyond grateful and proud to say we had the best by our side—you're undoubtedly the top mortgage provider in Los Angeles! ???? We look forward to working with you again on future projects and continuing this great partnership. Rania Tabbahread moreread less R. Tabbah10/11/2024×R. Tabbah10/11/2024???? Khaled and Pacific Mortgage Group, We cannot thank you enough for the incredible effort you put into making this happen. Your dedication and hard work truly stand out, and it’s been an absolute pleasure working with you. We’re beyond grateful and proud to say we had the best by our side—you're undoubtedly the top mortgage provider in Los Angeles! ???? We look forward to working with you again on future projects and continuing this great partnership. Rania TabbahRamzi at PMG is awesome!! He helped us with our home mortgage and answered all of our questions. He was always available to answer questions, professional and knowledgeable; typically answered my calls and texts instantly. Highly recommend.We will definitely do business again!read moreread less J. Sumner10/09/2024×J. Sumner10/09/2024Ramzi at PMG is awesome!! He helped us with our home mortgage and answered all of our questions. He was always available to answer questions, professional and knowledgeable; typically answered my calls and texts instantly. Highly recommend.We will definitely do business again!
- It was pleasure working with you. Thank you for your knowledge professionalism and honesty. Will be more than happy to work with you for future financesread moreread less M. Ismail10/09/2024×M. Ismail10/09/2024It was pleasure working with you. Thank you for your knowledge professionalism and honesty. Will be more than happy to work with you for future finances
Ramzie at Pacific Mortgage is second to none!!!! We recently used Pacific Mortgage for Our refinance and are Very happy with the Whole process from start to finish. We highly recommend Ramzie for all Your Mortgage needs. Stephen Parks.read moreread less
S. P.10/02/2024×S. P.10/02/2024Ramzie at Pacific Mortgage is second to none!!!! We recently used Pacific Mortgage for Our refinance and are Very happy with the Whole process from start to finish. We highly recommend Ramzie for all Your Mortgage needs. Stephen Parks. - Thank you so much to Khalid for assisting me purchase my new home. Khalid is very professional, communicative, and helpful. He was very attentive to details throughout the process which made it very smooth and straightforward. I recommend Khalid to anyone in need of a reliable, knowledgeable, and supportive loan officer. The level of service and care I received exceeded all of my expectations. Thank you again, Khalid, for your exceptional assistance!read moreread less K. Banihani9/24/2024×K. Banihani9/24/2024Thank you so much to Khalid for assisting me purchase my new home. Khalid is very professional, communicative, and helpful. He was very attentive to details throughout the process which made it very smooth and straightforward. I recommend Khalid to anyone in need of a reliable, knowledgeable, and supportive loan officer. The level of service and care I received exceeded all of my expectations. Thank you again, Khalid, for your exceptional assistance!Raeda and her team was amazing!! They made the process to easy and effortless.. thank you so much!!!read moreread less C. Cruz9/24/2024×C. Cruz9/24/2024Raeda and her team was amazing!! They made the process to easy and effortless.. thank you so much!!!
- Carlos and the team at Pacific Mortgage Group were effective and precise in assisting us with our mortgage loan. We appreciate their excellent work and gladly vouch for them.read moreread less r. aguilar9/10/2024×r. aguilar9/10/2024Carlos and the team at Pacific Mortgage Group were effective and precise in assisting us with our mortgage loan. We appreciate their excellent work and gladly vouch for them.My dear Roxana and Carlos, this was an extreme trip for the whole team, but we came out victorious. These people dedicate themselves to their work, achieving smiles. Personally, I don't have more stars to give them, but I thank God for having dealt with them. I recommend them to you.read moreread less J. Osorno9/10/2024×J. Osorno9/10/2024My dear Roxana and Carlos, this was an extreme trip for the whole team, but we came out victorious. These people dedicate themselves to their work, achieving smiles. Personally, I don't have more stars to give them, but I thank God for having dealt with them. I recommend them to you.
- My wife and I worked with James on a refinance and the whole process was an absolute breeze. He was very timely and responsive and incredibly helpful in guiding us through the process. Would definitely recommend!read moreread less J. Allen8/31/2024×J. Allen8/31/2024My wife and I worked with James on a refinance and the whole process was an absolute breeze. He was very timely and responsive and incredibly helpful in guiding us through the process. Would definitely recommend!I am very grateful to have found Ramzi for handling the mortgage for the construction of my house. I made the right choice by selecting him for a process that has been long, complicated, and challenging for everyone involved. Ramzi is a highly knowledgeable person; he always answered our questions whenever we needed him. Even though he was in another state with different time zones, this was never an issue. He was always very attentive, as was everyone in the office. This is a dream come true for me and my family. It has been a tough year, but finding Ramzi made it much more bearable for us. Thank you for everything!read moreread less A. Carmona8/31/2024×A. Carmona8/31/2024I am very grateful to have found Ramzi for handling the mortgage for the construction of my house. I made the right choice by selecting him for a process that has been long, complicated, and challenging for everyone involved. Ramzi is a highly knowledgeable person; he always answered our questions whenever we needed him. Even though he was in another state with different time zones, this was never an issue. He was always very attentive, as was everyone in the office. This is a dream come true for me and my family. It has been a tough year, but finding Ramzi made it much more bearable for us. Thank you for everything!
Move Into Your New Home in Corona
Ready to take the first step toward buying a home? Please contact us today at (951) 531-1399 to schedule your mortgage consultation. We can work with you in Corona or throughout California. We also serve homebuyers and homeowners in Florida, Oregon, Nevada, Colorado and Washington State.
