Derek Fox (Pacific Property & Financing)

Oh by the way, if you know of someone who is looking to buy or refinance their home, I would be happy to help them. So if you come across these people, just give me a call.

Get to know Derek Fox

About Pacific Property & Financing PPAF consists of experienced management and a mix of veteran and newly licensed mortgage and real estate agents.  The core service PPAF offers includes residential and investment real estate lending in California; however approximately 20% of the company’s revenue stems from real estate sales, commercial and out-of-state lending.   More specifically, the company’s experienced lending specialists offer advice and service in every aspect of mortgage lending - from purchasing and refinancing to debt consolidation and construction loans.  In addition, PPAF’s real estate professionals have built a reputation of providing outstanding service for all of their clients, whether they plan on purchasing or selling their homes.  Our combined experience enables us to successfully work with all levels of borrowers, buyers and sellers.  Furthermore, PPAF plans on adding other services in the future to broaden its service offering.   Corporate Mission To offer an extraordinary level of service and consulting skills to assist our clients in fulfilling their dreams of property ownership or to improve their financial position; and to support our referral partners to grow their individual businesses   Competitive Edge The real estate and mortgage market has been extremely volatile over the past couple of years – to say the least.  The real estate market is softening and there has been a shift from a strong ‘sellers’ market to a ‘neutral/buyers’ market, meaning that buyers typically have a slight edge when it comes to negotiating the purchase of a property.  On the other hand, commercial real estate is slowly becoming the most stable sector of the real estate market due to a strong economy and an upward trend of median rents.  As for rates, long-term rates have been slowly declining recently while short-term rates have climbed.   What makes PPAF unique is its ability to digest all of this economic information and to quickly adapt to the markets in order to forecast major trends in the mortgage and real estate sectors.  This insight helps PPAF to better assist our clients when it comes to the timing of purchasing residential and commercial property or the re-organizing of debt to increase cash flow and maximize tax savings.   To summarize, PPAF’s competitive advantage stems from its ability to quickly adapt to changing markets and to offer timely, strategic services and recommendations to our clients that is unmatched in this industry.

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Your Mortgage Consultant for Life!California mortgage broker Pacific Property & Financing is a full-service mortgage-lending and real estate firm servicing both the California residential and commercial markets. Our experienced lending specialists offer advice and service in every aspect of mortgage lending, from refinancing to debt consolidation and construction loans. In addition, our real estate professionals have built a reputation of providing outstanding service for all of our clients. Whether you plan on purchasing or refinancing your home our combined experience enables us to successfully work with all levels of borrowers & buyers. What separates PP&F from our competition is our ability to consistently deliver the highest level of service and to offer the best solutions available to fit each client’s unique requirements. Our company offers wholesale interest rates from over 150 different lenders like; Wells Fargo, Washington Mutral, Bank of America.  We can do all types of loans; 100% financing, fixed rates, interest only and ARMs.  We essentially shop for the lowest interest rate and since it is at a wholesale price, we find the lowest for you.Service We Provided   1.Refinance   2. Pre-Qualification   3. Investment Purchase   4. Debt Consolidation   5. Credit Re-Score   6. Financing in over 40 states   7. Construction   8. Mortgage Consultant Few of Our Lenders   1. ABC Conduit   2. Bank of America   3. Citi Mortgage   4. Countrywide   5. First Financial   6. Green Point   7.Indy Mac   8. Paul Financial   9. Sun Trust  10. Washington Mutral  11. Wells Fargo  12. and many, many more! Our goal is to find the perfect lender to fill your unique situation. States We Lend InAlabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, N. Carolina, N. Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, S Carolina, S Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DD, W. Virginia, Wisconsin