Pacific Choice Mortgage


Moshe was very understanding and knew exactly how to work with lenders to fight and get the best deal out there, I felt very taken care of.-Fil R.

Moshe and his team were very thorough and got the job done very fast. Thank you for shopping the market and helping us get the best rate. We will definitely refer you in the future.-Christina S.

Moshe made the process simple for me, assisting me when I had questions and working to resolve issues expeditiously. All in all the process was very fast and easy.-Cheryl O.

Moshe was available day or night to answer my questions. Excellent customer service! I’m a repeat customer.-David M.

Very Satisfied.-Miron S.

Moshe provided the most amazing service, easy to understand and found the best deal for my budget!!! He went beyond my expectations and I’m extremely satisfied!-Aleyda J.

We'd been stuck in a two loan adjustable mortgage for 10 years. Our place was underwater since after the market crashed in 2007. The price finally edged up, but we were still unable to get anyone to help us get into a fixed rate. A friend told us about Moshe, and within a few days we were on our way to a fixed rate. Moshe explained everything in detail and then some, and clearly laid out our options. We will definitely recommend Moshe to anyone needing help with their mortgage.-Larry W.

Moshe was fantastic, he went above and beyond. He is smart, fast, and communicates clearly. I highly recommend him. -Joe W.

Service was Super!-Adam B.

Moshe is highly professional and informative. He is knowledgeable, punctual and great communicator. He’s patient and able to help us during the entire process.-Lance W.

Moshe is my client's preferred lender as made known to me after I had already referred my client my own preferred lender whom I have been using for may years and who is normally outstanding in service. However, my buyer client was running into some issue's that ended up differently than first expected which made my buyer client a bit uncomfortable so I advised my buyer client that they are always free to use which ever lender they choose and that it would hurt to get another opinion or two. My buyer client ended up contacting Moshe who they had done some past lending with and Moshe had no problem in making our client very happy adhering to original expectations and followed through on every promise and was even able to work in getting the transaction completed well on time. I'm extremely impressed with Moshe and I plan on most likely using him again for additional / future transactions. Very happy with his services!! Way to go Moshe!!!!!-Troy S., REALTOR

As another year nears the end, I just wanted to share my experience I had last month, with Pacific Choice Mortgage. After having a horrible experience with a big bank during the refinance process, my brother referred me to Moshe at Pacific Choice Mortgage, whom he had used 3 times before. Although a bit skeptical, I decided to give Moshe a call. After a 20 minute phone conversation, I was beginning to feel at ease. Moshe informed me of all the documents he needed from me & once he received them, he gave me a call the next morning. He then told me that I was qualified for the refinance, the amount and the terms. It was everything he said it would be. What a flawless & stress free experience!! -Janet L.

Amy was wonderful and super responsive throughout the entire process. Our agent was a bit concerned working with an out of town lender, but Amy exceeded her expectations and was vastly more responsive than her local recommendations. I could not say enough good things about Amy's follow through. She was able to get me pre-qualifying letters on the weekend when we wanted to make an offer. She definitely goes above and beyond.-Diana P.

Amy is amazing!This was the fastest, easiest loan experience I can remember. I was referred to Amy by two friends who she assisted. Everything I was told about Amy is true, she is efficient, knowledgeable, accommodating & friendly! She had the best rate & rebate, because I did compare her to the lender we normally use. I realized at the very last minute that taxes and insurance not included in the loan, I should have noticed that sooner. Amy just took care of it, no hassle no reluctance on her end. It was simple, she said "I will get that set up for you Monday". I really appreciated that.-Amanda G.

Our loan agent Moshe explained each step of the refi process and was in constant communication to make sure we understood the document phase. Also, the videos were informative and made the loan process easy.-Daryle B.

Moshe was very professional as well as personable. He always made me feel comfortable when asking questions about things that I didn't quite understand. No matter how busy he may have been, he always responded to my messages in a timely fashion. And that was very important to me!-Marsha B.

Moshe was exceptional with the service provided. Kept me well informed and on top of the process. Thank You-Carver M.

Very Satisfied.-Adam N.

Service was great and very fast.-Eddie C.

Excellent and Very Satisfied-Robert H.

Amy is kind, patient, extremely knowledgeable it was a great experience. I will refer your company to everyone I know. I am a mobile notary and your company is one of the greatest.-Sylvia C.

Amy is great. She's very knowledgeable, patient and friendly. She always takes the time to answer questions quickly and thoroughly. This is the 2nd refi we've done with her and I hope there's opportunity for another in the future!-Bruce A.

Refinancing a home can be a daunting and stressful experience; however, working with Moshe was the opposite. Moshe carefully explained every step and made the entire process enjoyable. And, after shopping around, Moshe was able to offer me the best rate. I got the best service and saved money!-D'Anne O.

Moshe guided us through the whole process. He did an excellent job of answering our questions and kept us informed on the status of the loan.-Donna Z.

My husband and I were extremely happy with the service we got from Amy! She went above and beyond to make sure we were comfortable and enjoying our home buying experience. Amy is EXCELLENT! She impressed us, our real estate agent, the sellers and their agent! We (the buyers) were done with our paper work on the 18th day of escrow!-Lyndi N.

Amy was recommended by my parents who have refinanced loans with her several times. I was a first time home buyer with tons of questions and Amy absolutely blew me away by her availability, knowledge, guidance and eagerness to help. She was available from early mornings to late nights answering my questions and guiding me through the process. Response times were always less than 12 hours via email and less than 1 hour via text which is unheard of! At times I felt bad contacting her after hours because I knew she would take time out of her evening and reply! Amy is VERY knowledgeable in her field and installs an utmost confidence when working with her clients. Amy made the entire process a breeze, in fact we were approved to fund 3 weeks before close of escrow!!! Even the listing agent and our agent were absolutely impressed with her service, and mentioned that it's very rare for buyers to ask to close escrow early since agents are usually faced with buyers asking to close escrow late. Escrow and Title offices spoke highly of Amy, and it was a pleasure to coordinate the transaction with her. If you want to have a smooth home buying process, close on time and without any errors, Amy with PCM is your choice!-Serge C.

Moshe was great to work with. He explained everything and answered all questions.-Jeff D.

This is the second time that we have worked with Moshe and Pacific Choice Mortgage. We would not hesitate to do so again. We have recommended Pacific Choice to several friends and they too have had a positive experience.-Joseph C.

I'm very satisfied with the excellent job you guys did I'm very happy with my new loan thanks very much-Jose O.

What is most important to you when trying to finance or refinance a home? For me, I need to know that my best interests are being looked out for. In the case of PCM and Moshe specifically, I felt just that. I was looking for a 30yr rate for my rental and Moshe shopped around to several lenders. Even after we agreed on a rate, he came back to me stating that another vendor had recently come back with better rebate credits. I was very happy with this and felt that Moshe was truly working on my behalf. Then , just prior to closing escrow, Moshe explained to me that he was able to improve my rate by an eighth as well as secure slightly better rebate credits. Moshe was now my best friend. Of course there is no guarantee that this will happen to you but rest assured, Moshe will always look to find the best terms for you. What more can you ask for. Honesty, integrity, dedication to his clients. Thank you Moshe! I will definitely recommend you to my family and friends.-Derek U.

This is the third time that I have used Amy for both original loan financing and refinancing loans. Each time she has made a stressful process easy to understand and manage. I would recommend Pacific Choice to anyone! Nothing could have been done to make this process any easier. From my first contact to closing the loan in less than 45 days is just about as good as it could get.-Norm S.

My experience with Amy was excellent throughout the entire loan process. She was patient and diligent in answering all my questions in timely manner. The whole loan process was incredibly easy and efficient. It really has been the best refinance!-Jenny W.

Amy was very helpful and we felt that she really wanted to help us with our refinancing process. She didn't give up and we did not feel hopeless one bit. She went above and beyond with her service. I highly recommend anyone who need help with their loan process to connect with her. With her help everything came out successfully.-Chenda C.

I went with PCM because their fees were clearly listed on their web site, that took guess out of the game. Moshe was on top of everything during the whole process. He was able to answer all my questions and there were no surprises. I am very happy with the services.-Lin H.

Amy was very knowledgeable in the refinance field and assisted us promptly and in a professional manner throughout the process. A-1 service, thanks again!-Jeffrey L.

Moshe was very responsive and helpful. Whenever I had a question he would call or email promptly with an answer. He made the home purchasing process easy to understand and was straight to the point.-Orian L.

Moshe gave me hour to hour rate pricing which led me to make best lock rate. Excellent service.-Russ K.

Moshe was a big help in moving us through the process. He kept us informed of the progress and helped us with getting the necessary papers faxed/emailed as we went along. Thank You so much Moshe for all your help!-Pat K.

Excellent people to work with. There are a lot of details and requirements and everything is carefully explained. I recommend.-Dan R.

My experience with PCM was excellent. My agent, Amy, she was professional and courteous at all times through email or phone calls. Amy explained how PCM operated and the entire loan process, and was very quick to respond to ALL of my questions. I would use PCM again and recommend to all. Honestly, there were no surprises in this quick, secure and pain-free process. Kudos PCM.-Terri R.

I especially like being able to sign all the documents electronically. It made things so much easier. Overall, the follow-up was excellent. It kept things moving forward.-Aaron S.

Amy made the mortgage process as easy as possible. She was always able to give me good answers to the questions I had.-Sean T.

Amy made this loan process so easy that I would not think twice to do it again, I had a really good experience, thank you very much.-Santos P.

Amy was very helpful and informative throughout all stages of our refinance process.-Gavin E.

It was a good experience. Moshe provided me with all the needed information and was always there to answer any questions that I have.-Dang N.

I've bought many homes and my experience with Moshe was the best. Moshe is personable, knowledgeable, and was able to deliver every deadline ahead of schedule. Thank you Moshe, it was a pleasure doing business with you.-Jesse B.

My overall experience was fabulous and I would recommend pacific choice mortgage and Amy to all my friends and family in need of a refinance or new mortgage. Amy gets a ten in my book.-Sylvia F.

Working with Pacific Choice Mortgage was a very rewarding experience. PCM helped us with a loan refinance. The process, communication and the level of support we've received was absolutely outstanding. Amy worked with us around the clock assisting and advising. She demonstrated the highest degree of professionalism and knowledge throughout the process from day one and till the end. Amy walked us through the entire process letting us know what to expect and when. The Pacific Choice Mortgage will be my first choice for the next loan and I will definitely ask for Amy!!-Leonid N.

This our third time refinancing with Moshe. Everything went smoothly this time, just like before.-Margie H.

I enjoyed the experience with my agent from PCM! He kept in contact with me just the right amount, and provided the right information in a way aligned with my thinking.-Steve H.

Moshe at Pacific Choice was quick to respond to any questions that we had, and provided superb professional service. We have used his devices three times in the past and will call him again for future needs!-Brian S.

My husband and I live in Elk Grove California, we have refinanced before which was a nightmare dealing with the credit union person who would not return calls nor e-mails. Working with Moshe was such a pleasant and straightforward process it was truly out of this world. I had mentioned to Moshe that I had a dummy phone and I’m not always online, so Moshe took it upon himself to call to let us know he has sent an e-mail. We appreciated the communication and the cute video updates that were sent to us on each step of the refi-process which took approximately 4 weeks – incredible! The type of service we received from him was unbelievable we will highly recommend him to our family and friends! Thank you Moshe!-Marie J.

Amy provided us with exceptional customer service. She was very quick to answer any question we had.-Monica G.

Moshe made the refinancing process easy. We are pleased with his service and will recommend Moshe to our family and friends for their home financing needs.-Bon L.

We can not thank you enough Moshe, for making this re-fi so easy. This being our 3rd time working with your company (1st time at LA house w/ my sister and now 2 times with our new house) You were always straight forward with us which we truly appreciate especially at signing time. Thanks for helping our family out and rest assure we will be glad to refer any of our friends and family.-Patty C.

Very fast, efficient, and knowledgeable treatment by Amy on our loan refinance.-James H.

I worked with Amy for both my first home loan and refinance. She was always on top of everything and provided me with clear explanations throughout the entire process. She was a joy to work with and made me feel important and feel like my case was her top priority. Her response time was always quick and she was kind enough to offer to answer any questions after hours and on weekends. Amy sent me informative and fun videos of the milestones during the process which further helped explain the process. I thought that was a nice touch from PCM. Amy is professional, knowledgeable, prompt, great attitude, excellent communication, and overall it was a great and positive experience! Top notch! I would recommend Amy and PCM to all my friends and family.-Esmeralda A.

Amy was amazing! If I had a question she was SO fast to respond. She always made us feel like we were her most important clients- I can't believe how quickly this transaction went! Start to finish under 30 days! Thank you Amy!-Patricia M.

This is the third time I have used Pacific Choice Mortgage and have been very satisfied every time. Very responsive and informative during the refinance process. I will continue to use you for mortgages in the future and have recommended you to friends and family!-Janet F.

We have worked with Moshe before, and as always he has provided exceptional service. The new technology that has been incorporated through his company has made it even easier than ever before. Thank you again for all your help.-Rene J.

Moshe is very helpful and does answer in good timing matters. The little video is super and good for me and those who are deaf/hard of hearing like myself. His work runs smoothly and I appreciated his service.-John W.

The process was easy, fast, and smooth.-Pavel B.

Excellent response rate for questions.-John S.

Amy was very prompt and kind. The loan processing went smoothly. Thank you.-Monika A.

Experience is a breeze , my second time re-finance with PCM and would do it again if needed.-Rafael D.

This is the third time I have worked with Moshe and Pacific Choice to refinance property. Moshe has always been most helpful, upfront, and a pleasure to work with in completing the process. I appreciate Moshe's timeliness in securing and completing the process.-Fred B.

Amy was outstanding with all the help she had provided and is very nice.-Henry S.

Their attention to detail, responsiveness, and knowledge keep me coming back. I have refinanced with them twice and each time has been easy. And this is a difficult process! I've never felt talked down to; always respected.-Wendy S.

Amy did an amazing job on my refi. She was informative, honest and easy to work with. I will absolutely refer her and use Pacific Choice in the future.-Roger B.

Amy was great, true to her word. Start to finish with escrow closing in under 30 days. Painless process, no surprises...-David B.

I am thoroughly impressed by the assistance I received from Amy throughout this process. She is extremely helpful, knowledgeable, friendly & patient- she made me feel very comfortable and responded to my communication quickly and effectively. Honest and thorough. Very impressive!-Dorothy L.

This was our second time working with Moshe. We cannot imagine anyone doing a better job-Ed B.

My husband and I have taken out a number of mortgages in the past 40 years and I can honestly say this was the smoothest one yet! Moshe was very quick to answer all questions and respond to any e-mails that we sent. He updated us along the way. We were even out of the state during the process and he arranged for a notary to meet us at our location. This whole experience was excellent!-Sharon J.

Moshe made the difficult and tedious process of refinancing so much easier. I imagine that it could have been a nightmare without an agent that displayed such a level of knowledge about the process and the ability to educate and explain each element as we went along. I feel very fortunate to have been able to work with him and successfully complete our refi!-Amber T.

Moshe was excellent in guiding me through the entire mortgage process. I received a strong recommendation to use Moshe from a good (financially knowledgeable) friend of mine, and I am certainly glad Moshe was my mortgage broker. Moshe not only guided me through the process, but educated me on a previously unknown process (we are new to the state of California) and he provided valuable insight into various decisions I had to make throughout the process. I was impressed with how well Moshe understood seemingly every aspect of the complex transaction of my California mortgage. In addition, Moshe was extremely responsive over the several months we worked together. From working up pre-approval letters to accurately managing the mortgage process for me, I don’t think there was a time when Moshe did not respond to either my emails or voicemails to him within an hour – he was extremely responsive. Moshe was highly professional, friendly, and highly knowledgeable about the entire mortgage process and I’m really quite happy that Moshe was my mortgage broker. I have already recommended him to a couple of friends who are currently looking to buy a house in the Bay area. Please let me know if I provide any other type of recommendation, as I would be happy to spend the time to do so.-Daniel G.

Moshe is always on the ball. Very conscientious.-James M.

Moshe was very knowledgeable about refinance details. Yet he was able to explain everything to me in a clear, concise manner. I understood the advantages and disadvantages to the refi options and was thus able to make an informed decision. I especially enjoyed the videos I received via e-mail from Pacific Choice explaining each step in the process.-Kimberly T.

I have done several refi's in the past few years, this is my second one with p.c.m. and both of them my agent was Moshe, he is very knowledgeable, patient and friendly, I highly recommend him and the company if you would like a pleasant experience and believe me I have been with the ones that advertise on TV, where your just a number.-Brad V.

I've been in contact with Moshe for over a year waiting for the right time for this refinance. He has been very patient with me, and answered all my questions along the way. The refinance went smoother than I could have expected, due to Moshe's knowledge & professionalism.-Tracy B.

Moshe was readily available for any questions and was very patient and helpful throughout the process.-Pam S.

Escrow closed very fast once the rate was locked.-Nathan B.

Amy was very disciplined about following up on open items, did exactly as she said she would without having to be prompted, and we could trust her to get things done. She was also very patient with questions asked & extremely professional in how she comported herself.-Peter D.

I worked with various lenders in the past but Amy from Pacific Choice is outstanding with her quick response and staying on top of the loan process. My loan got closed in less than 3 weeks and I couldn't just believe it.–Sunil P.

Amy is prompt, professional & friendly. She deserved my trust and referrals.–Triet N.

Amy is so nice to work with. She is very professional, knowledgeable and courteous. She is efficient and her response time is always fast.–Frank I.

Everything Amy did was perfect!–Sikander S.

I really appreciated the communication and update on the process of the refinance. And how everything was done so quickly and efficiently.-Mercy R.

Paid close attention to details and addressed all questions ASAP.-James M.

Appreciate Moshe's patience to explain the intricacies of mortgage and in not pushing the customer. He waited 11 months, till I was satisfied with the deal.-Himmatkumar S.

My loan officer was so helpful. I could not thank him enough. He was on top of things and always walk the extra mile to make sure we have a smooth transaction.-Ray R.

I appreciated that Moshe provided citations from relevant code and guidelines to answer my more specific questions. This gave me the confidence to use Pacific Choice Mortgage over others who only offered assurances.-Kevin F.

I recently refinanced my home with Pacific Choice Mortgage and I couldn't have chosen a better company. Amy at PCM is AMAZING! She answered all of my questions, provided as much information as I needed and she did it all with a great attitude and a smile! That's what I call professional. I highly recommend this company and most especially Amy C. at PCM. Thank you PCM!! You guys ROCK!!-Amelia A.

One year ago I bought my first house through Pacific Choice Mortgage and just refinanced a couple week ago all with the help of Amy. Not only are PCM s rates the best you’re going to find anywhere, but Amy s attentive customer service/education has made me recommend her to everyone I know that s ready to buy or refi. Amy promptly responded to any questions/concerns I had within an hour or two via phone or email + she helped me buy the house of my dreams in a fantastic neighborhood with a low monthly mortgage. If you’re looking for a safe and secure mortgage from a reputable and reliable company you won’t find much better than Pacific Choice Mortgage. Be sure to ask for Amy!–Kevin B.

I was extremely satisfied with Moshe. His professionalism, prompt service, and attention to detail was exemplary. I will be passing his name to any one I know that needs a knowledgeable loan professional.-Andrew G.

Very easy to deal with. They were able to get my appraisal waived. All my questions were answered promptly, very impressed!!!- A Yahoo! Local User

I used this company to refinance my existing mtg. The process started on 7/8/10 and I signed final loan documents on 8/4. (All of the documents that I needed to provide I was able to send either in a PDF or by fax which was convenient for me.) The company kept me updated regularly by email and we spoke a couple of times by phone when appropriate. All fees were disclosed up front and there were no bad surprises. I might even rate this at 5 stars, but there was a small inconvenience or problem. As disclosed and as expected they sold my loan. It was sold to Amtrust. If you never actually need to contact that bank, other than by mail, then it's still okay. I called Amtrust 8 times on 5 different days and was a bit stunned when each time it stated that my expected hold time would be more than 85 minutes. I called early and late during their hours, and it did not make a difference. 3 of the times I put my phone on speaker and continued to do other things while on hold. Each time the time on my phone indicated the call had gone past 90 minutes and no person had picked-up. I got tired of waiting and hung up. Contacting Amtrust by internet was not useful either as they replied to me days later saying call them.-Steve W.

This was a perfect experience. I was promised a rate by my own bank Wells Fargo-and they couldn't deliver (I still can't believe it, but I am happy to say I no longer bank with them) so I was telling the situation to my co-worker and she recommended this company. They were able to deliver exactly as they initially quoted. I have told them that two of my friends may be interested and they were so nice they called me to thank me for sending my friends over.-Guest86482


Moshe was awesome!! He made this a very pleasant experience. Thanks!.-Gary M.

From A-Z, Moshe was simply superb! Having dealt with many Mortgage Companies, my experience at Pacific Choice Mortgage was hands down, the BEST!-Martin W.

What I want in a Mortgage company is no nonsense, accurateness, and speed. With Pacific Choice Mortgage, that is exactly what we received.-Kim A.

The broker I worked with - Moshe - was very patient in answering all my questions about the loan; his answers were very thorough and to the point. Plus he was very quick in getting the paperwork done. I closed my loan within 3 weeks. I was very pleased with the service. Thank you!-Roman G..

Amy provided superlative professional service and kept us well informed throughout the entire process. We very much appreciate your excellent service, especially during this unusual challenging market condition. We are both thankful you were on our team. We will definitely spread the word to all of our friends and work associates. Again a very heartfelt thank you.-Dennis M.