Pacific Coast Funding

Pacific Coast Funding With 30+ years of experience in the mortgage industry, John Gillespie founded Pacific Coast Funding.

Pacific Coast Funding is a one stop lender, providing personalized purchase and refinance loan options for investment units, reverse mortgages, and conventional FHA/ VA loans. Helping you find your dream home by providing quick personalized and complete lending process solutions.

Bought this yesterday I love it!
08/17/2022

Bought this yesterday I love it!

Just got this love it!
08/17/2022

Just got this love it!

Cooling off next to the pool have a good evening
08/15/2022

Cooling off next to the pool have a good evening

Abbey checking out to see what the noises are.
07/19/2022

Abbey checking out to see what the noises are.

Happy Fourth of July!!
07/04/2022

Happy Fourth of July!!

My grandson Wade on the Ferris wheel down by the pier
07/04/2022

My grandson Wade on the Ferris wheel down by the pier

I have a birds nest in this tree and the cat won’t leave it alone any ideas
06/20/2022

I have a birds nest in this tree and the cat won’t leave it alone any ideas

Cooling off after a walk
06/17/2022

Cooling off after a walk

A reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for...
04/04/2022

A reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. Also like a traditional mortgage, when you take out a reverse mortgage loan, the title to your home remains in your name. However, unlike a traditional mortgage, with a reverse mortgage loan, borrowers don’t make monthly mortgage payments. The loan is repaid when the borrower no longer lives in the home. Interest and fees are added to the loan balance each month and the balance grows. With a reverse mortgage loan, homeowners are required to pay property taxes and homeowners insurance, use the property as their principal residence, and keep their house in good condition.

With a reverse mortgage loan, the amount the homeowner owes to the lender goes up–not down–over time. This is because interest and fees are added to the loan balance each month. As your loan balance increases, your home equity decreases.

A reverse mortgage loan is not free money. It is a loan where borrowed money + interest + fees each month = rising loan balance. The homeowners or their heirs will eventually have to pay back the loan, usually by selling the home.

Pacific Coast Funding is a one stop lender, providing purchase and refinance loans for investment units, reverse mortgag...
03/23/2022

Pacific Coast Funding is a one stop lender, providing purchase and refinance loans for investment units, reverse mortgages, and conventional FHA/ VA loans.

Our business model is based upon referrals, so we are dedicated to providing personalized service to each and every client, making sure you understand every step of the lending process.

Address

2134 Main Street, Suite 285
Huntington Beach, CA
92648

Telephone

+17146082447

Website

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Our Story

I have been assisting clients with their real estate related financing in the Orange County area and within California for over 35 years! The majority of my referrals are from realtors, builders and past clients.

As a mortgage broker I have access to the most aggressive rates available nationally but also some of the most "make sense" underwriting and the technical experience to package your loan.

We are proud to offer VA. FHA, Conventional and Reverse Mortgages. In addition, we also offer Stated Income and Bank Statement financing along with 2nd Trust Deeds and Sub Prime.

Our clients come seeking a variety of services including pre-approval, FICO score improvement and financial assessment to determine their ability to purchase their next "dream home."