Get a same-day estimate for your real estate financing and close in as soon as 7 days with a faster, more flexible lending process.
Tell us about the property and financing you need. A PacShores lending specialist will review your request.
Get a same-day estimate and close in as soon as 7 days with flexible real estate financing designed to move quickly.
PacShores focuses on real estate financing with a simpler, more flexible process designed to help borrowers move forward without the delays of traditional lending.
Access competitive California lending options designed around real estate financing needs.
A more flexible lending process with fewer traditional requirements than many conventional bank loans.
Financing decisions can consider the real estate opportunity, not just the rigid criteria used by traditional lenders.
A streamlined process helps qualified transactions move from estimate to funding much faster.
Work with a dedicated contact who keeps communication clear throughout the financing process.
Get an estimate quickly so you can understand your options and move forward without unnecessary delays.
Real estate financing does not always fit inside a traditional bank’s lending guidelines. PacShores offers a more flexible, property-focused approach designed to move qualified loans faster.
Requires a 700+ FICO score with no prior bankruptcy, foreclosure, or short-sale history.
Requires a formal appraisal report, typically with 2–4 weeks preparation time and potentially up to $5,000 in appraisal fees.
Income documentation is required and borrowers must also meet the bank’s minimum income requirements.
May not allow land, small commercial, investment property, or mixed-use property loans.
Often depends on third-party providers, with escrow closing timelines that may take 45–60 days.
PacShores focuses exclusively on real estate, with financing options for residential, investment, land, multifamily, and select commercial properties throughout California.
Flexible financing designed around real estate opportunities, not unrelated personal or business borrowing.
Financing for residential real estate purchases, investments, and property-backed transactions.
Financing for investors purchasing, refinancing, or leveraging income-producing real estate.
Lending solutions for apartment buildings and multi-unit residential properties.
Real estate financing for qualifying land purchases and property-backed opportunities.
Financing for properties combining residential and commercial use.
Property-focused financing for qualifying small commercial and other real-estate-backed transactions.
PacShores financing is for real estate transactions. Personal purchases and unrelated business loans are not offered.
A streamlined process designed to keep your real estate financing clear, simple, and moving forward.
Share your contact information and property type to get started. PacShores will review the basic details of your financing request.
A PacShores lending specialist reviews the property and financing needs, then walks you through the available options.
Complete the required paperwork and move toward closing — potentially in as soon as 7 days for qualified transactions.
Fast process. Clear communication. One point of contact from estimate through closing.
Hear from borrowers who worked with PacShores for responsive communication, knowledgeable guidance, and real estate financing.
Tell us about your property and financing needs. PacShores will review your request and help you understand your available options.
Share your contact information and property type below. A PacShores lending specialist will review your request and follow up with you.