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For great rates and great service you can trust, you’re in the right place!


South Pacific Financial believes that trust is the foundation for effective relationships.  We are successful in earning trust by consistently treating our customers, business partners, employees and their families in a manner that is just, right and fair.

We understand how important each step in the home loan transaction is - from finding the best rate to closing on time. We offer a diverse array of mortgage loan programs, including Conventional, Jumbo, FHA, VA and USDA loans at competitive rates. We also specialize in down payment assistance programs for first time low-to-moderate income buyers.  Our experienced loan specialists are uniquely qualified to help you find the right financing for your home.

       
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Equal Housing Opportunity Lender. Loan inquiries and applications in states where I am not licensed will be referred to a Loan Officer who is licensed in the property state. South Pacific Financial Corporation (Unique Identifier #8588) is a California corporation licensed by the Department of Corporations under the California Residential Mortgage Lending Act and operates in the following states: AZ License #0917436; CA License #413-0023; CO Regulated by the Division of Real Estate; ID MBL-7000; MN License MN-MO-8588; NV License #3809; OR Mortgage Lender Licensee #ML-4272; TX-SML Mortgage Banker Registration; WA Consumer Loan License #520-CL-50199. SP Direct Lending and North Pacific Financial Corporation (“NPFC”) are registered dba’s of South Pacific Financial Corporation. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and pricing are subject to change at any time and without notice. This is not an offer to enter into a rate lock agreement under any applicable law.
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