California Coast · Est. 2011
Where the coast
finds its capital.
Independent mortgage brokerage for the homes that define the California shoreline. High-balance, jumbo, and non-QM — financed with intention.
"A mortgage is not a commodity. It is a structure — and the right one returns capital to your balance sheet for decades."
— Elena Marquez, Founder & Principal Broker · NMLS #1842001
The Personal Process
Built around you, not a queue.
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01
Listen
We begin with the property, the plan, and the people. No forms until we understand the file.
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02
Design
We engineer the structure across our wholesale desks and return a tailored term sheet in 48 hours.
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03
Underwrite
Direct line to the underwriter. Complex income, trust structures, and foreign assets handled with fluency.
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04
Close
Coordinated with your escrow, attorney, and agent. On schedule — usually ahead.
The Broker Advantage
One advisor. Twenty-four lenders. Your best price.
A retail bank quotes you their product. We quote you the market — and the wholesale desk that wants your file today.
Wholesale rates
Par pricing retail borrowers never see.
Complex income
Self-employed, trust, foreign national, asset-based.
Jumbo specialists
Loans to $20M, including non-QM and bank-statement.
Client Stories
The people we financed home.
"Two national lenders declined us. Elena restructured the file as asset-depletion and we closed in twenty-one days. We are still in disbelief."
"Every weekend I dreaded the call that would kill our close. It never came. Daily updates, total transparency, on-time funding."
"I finance property across three states. Pacific Crest is the only lender I will use in California. Their judgment is worth more than their rate — and the rate wins too."
Realtor Partnerships
A lender your listing can bank on.
Top agents refer Pacific Crest because our pre-approvals are load-bearing. We qualify your buyers before you counter, and we protect the close date like it's our own commission.
- Buyer qualification within hours, not days
- Concierge jumbo desk for $5M+ listings
- Compliant co-branded marketing materials
- Weekly status to you and your client
Begin
Let's finance your coast.
Tell us about the property. A licensed advisor responds personally within one business day.