National Pacific Lending

National Pacific Lending Mortgage Broker over 26 years in business, with over 90 plus 5 STAR Reviews! We Specialize in Purchases and refinances for Conventional and Government programs.

Specialize is refinancing, purchases, home equity, REVERSE mortgage, No income Loans, DSCR, First Time Homebuyers, VA Loans, FHA Loans, Jumbo, Down Payment Assistant Programs We Do Reverse Mortgages, Line of Credit, and Stated income. I have been in the same area for 23 years and in Southern Orange County since 1986, when I started in the business. Our rating is A+ with Better Business Bureau (BBB

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We at National Pacific Lending strive to make this process as easy as possible for you. Our company mission is to offer highly competitive pricing, unsurpassed customer service and protection of your privacy. We pledge that all our recommendations are based on what is best for our borrowers. Our lending resources combined with over 30 years of experience will translate into a better deal for you. We focus on your needs and nothing else. What we do begins and ends with your success.

06/05/2026

Thinking of upgrading your home because it feels too cramped? šŸ¤” Hereā€™s a thought: bigger house, same situation! Many find that stuff just expands to fill whatever space you have. If you truly need more room, like for a growing family or a new home office, go for it! But if itā€™s just about space, consider decluttering first.

Has decluttering changed your space more than you thought it would? Let's chat in the comments or reach out to explore both options!

https://myoc.io/reemm

06/03/2026

Ever wonder how the wealthy keep their portfolios intact while investing in real estate? Itā€™s not magicā€”it's strategy: borrow, don't sell! šŸ’°

By taking a loan against their stock portfolio, they avoid costly capital gains taxes and keep their investments growing.

With lower interest rates backed by secure stock, it's a win-win!

Interested in learning more about boosting your wealth without liquidating your valuable assets? Let's chat!

Drop your questions below or send me a message to explore how this might work for you.

https://myoc.io/reemm

06/01/2026

šŸšØ Protect Yourself & Your Clients šŸšØ Real estate agents, beware of a scam that could put your license and your client's down payment at risk with just one click!

Stay safe with these three tips: make a call, slow down desperate buyers, and verify identities before clicking any links. These simple steps can save a lot of heartaches. Stay vigilant and keep our community safe!

Share these tips and help fellow agents stay scam-free!

https://myoc.io/reemm

05/29/2026

Thinking about upgrading to a bigger home? šŸ” Before making the leap, it's crucial to understand the true cost of ownership. Beyond the extra $1200 in mortgage payments, remember to consider increased property taxes, utilities, insurance, and maintenanceā€”these can add up to around $2300 a month! Proper planning ensures no surprises down the road.

Ready to take the next step or need more personalized advice? I'm here to help you navigate through it all. Comment below or reach out to learn how we can plan smart and stress-free home upgrades!

https://myoc.io/reemm

05/22/2026

Great news, real estate investors and first-time homebuyers! šŸ“ˆ The tax code just got some valuable upgrades tailored for you. From a stable mortgage interest deduction limit to a raised state and local tax cap, these changes might just pave the way for bigger savings.

Maximum bonus depreciation benefits are back, allowing investors to write off 100% of eligible property costsā€”protecting your profits! Plus, the qualified business income deduction is here to stay, permanently benefiting the self-employed and ensuring you keep your earnings.

Lastly, interested in the potential of startup real estate ventures? Big tax-free gains await thanks to adjusted exclusion criteria.

Ready to dive deeper into these opportunities? Comment 'tax' below or reach out to explore how these updates can enhance your real estate endeavors. Planning smarter today could mean a wealthier tomorrow!

https://myoc.io/reemm

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05/18/2026

Don't let past misconceptions or rejections hold you back from achieving homeownership. šŸšŖ I'm here to focus on your whole story and guide you through the mortgage process, at your pace. Whether you need advice today, tomorrow, or next year, my door is always open. Everyone deserves a place to call home, and I'm dedicated to making it happen for you. Are you ready to change your story together? Let's chat about your dreams in the comments or shoot me a message and let's get started on planning for your future!

https://myoc.io/reemm

05/15/2026

The goal wasnā€™t the money.

It was Wednesday.

The real flex is freedom.

https://myoc.io/reemm

05/13/2026

Thinking of buying your first home? šŸ” Letā€™s talk numbers! With over 38 years in the mortgage world, I've seen this time and again: Don't let the lowest interest rate fool you. It comes at a cost! šŸ“‰

Take a peek at my recent client's choice between a 5.75% rate with $11k in points vs. a no-points 6.5% rate. Sounds like a riddle, right? šŸ¤” They wisely chose the latter, keeping more cash for essentials like furnishing.

Avoid falling into the common interest rate trap. Let's calculate your best mortgage path together and stretch those dollars further! What's your home buying priority? Tell me in the comments below!

https://myoc.io/reemm

05/11/2026

Thinking of lowering the price on that dream home? Time to think twice!

When it comes to winning with both sides of the transaction, negotiating TERMS and not just price is what advantages the financially savvy. šŸ¤ Opt for a $20,000 credit to your closing costs rather than a price reduction. Why? It's immediate savings right at the closing table.

Considering the data, most homeowners sell or refinance within 5-7 years, often before seeing any possible savings from price reduction. šŸ¤“šŸ“Š Let me help guide you to smart financial decisions for your home purchase.

Interested in learning more strategies customized just for you? Reach out and let's put these tactics into practice for your next move!

https://myoc.io/reemm

Address

9891 Irvine Center Drive, Suite 150
Irvine, CA
92618

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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