Call Pacific Integrated Financial today
Reach us at +19498708394 for mortgage questions, pre-approvals, or to start your loan application. We respond quickly, usually the same business day.
Omni Fund approved loans
Tell us about your loan or mortgage application. We'll match you with the right program and get your file moving.
21 years of closing loans across Orange County
We work with homeowners and buyers throughout Orange County, CA. From first mortgages to refinances, we handle it from our local base.
What do I need to get started?
Answers to the questions borrowers ask before they apply.
What documents do I need to apply?
The short list is two years of tax returns, 30 days of pay stubs, and two months of bank statements. Self-employed? Bring your 1099s and a profit and loss statement. We'll tell you exactly what fits your file.
How long does the approval process take?
A full pre-approval usually takes a few days once we have your documents. The final closing timeline depends on your loan type and the seller's schedule. We keep you updated at every step.
Can I get pre-approved before I find a home?
Yes, and it's the smart way to shop. A pre-approval tells sellers you're serious and locks in your rate. It also shows you exactly what you can afford before you start making offers.
What if I'm self-employed or have non-traditional income?
That's where we shine. We can qualify you using bank statement deposits, assets, 1099s, or even income from an investment property. If your income is real, we can usually use it.
Are there fees to apply or get pre-approved?
No, there's no fee to apply for a loan or get pre-approved with us. You'll only see lender and third-party fees itemized on your Loan Estimate after you apply.
What happens after I submit my application?
We review your file and reach out within one business day to confirm we have everything we need. Then we shop your loan across our approved investors to get you the best terms.
Ready to start your application?
Call us and we'll walk you through the process, doc by doc.