Welcome To Pacific Financial Bancorp

At Pacific Financial Bancorp, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!

Couple searching for home loans

Purchasing

We work conforming and non-conforming real estate loans.

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Refinance

We can help you lock in a long term fixed rate and get out of your ARM.

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Loan office work table
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Get started with our easy online application

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Today's Rates*

TermRateAPR
30 Yr Fxd3.75%4.013%
15 Yr Fxd3.125%3.623%
5 Yr ARM3.5%4.136%
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

Deciding which loan is right, can be a difficult decision. We're here to help.
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Latest News

Dollar Extends Gains Against Yen

The greenback rose sharply against the yen for the second straight session, fueling discussion about a shift in currency markets.

FHA

There are lots of good reasons to choose an FHA loan.

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FHA Home Loans
Loan workspace

Contact Us

Call Us: (925) 999-8614

Email Us: info@pfbanc.com

Our Address: 6850 Regional St Suite 210, Dublin, CA  94568

Mortgage Learning Center
Mortgage Calculate Monthly Payment

Calculate Monthly Payment*

Term Rate Apr Payment
30 Yr Fxd 3.75% 4.013%
15 Yr Fxd 3.125% 3.623%
5 Yr ARM 3.5% 4.136%
Calculate
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.