How are we doing?

I would like to give a bid shout out and thank you to Paul Hepner for making my second refinance with him as easy as the first. Paul is one of those people you can count on to do exactly what he tells you he is going to do. It is so nice to work with a person who returns calls and keeps you informed every step of the way. If I have a need to refinance again Paul will be my first call. Thank you so much Paul for all of your help.

Bill and Ryan did a great job on the VA refinance

Paul is amazing!!! We have done multiple loans with him. He is extremely dedicated to his clients. We will be coming back!!!

As a US government official living overseas I was able to refinance at a very favorable rate with Paul and Lynn Hepner. From the start, Paul was very clear, patient, anticipated my concerns, and maintained my confidence through constant follow-up throughout the process. Integrity, Efficiency, Service. I will more than likely work with Paul and Lynn again for future real estate needs upon completion of my time overseas.

Lynn and Paul Hepner were absolutely fantastic to work with during the whole process from beginning to end! Very helpful and provided great guidance with all the emails and paperwork. I really recommend Pacific Mountain Capital to everyone. A solid experience by all means. Thanks again to you guys!!!

Pacific Mt is the Best company I ever experienced to refinance my mortgage. Step by step through the process always showing us exactly what we had to do. It was a pleasure working with Lynn and Paul they were always available to address our questions. Most importantly they showed us how much we were going to save with the refinance. Linda and I highly recommend this knowledgeable and honest team.

Amazing customer service from start to finish! Fantastic team that provided world class customer service day and night. Always received a prompt response to all of my questions. Would use your services again!

We had such a great experience working with Jeri Groves. We had a particularly challenging situation due to our multiple sources of income which has confused loan underwriters in the past. Jeri is persistent and dogged and simply wouldn’t stop until everything was complete. She helped us through the entire process of refinancing our home and made what could have been a stressful experience smooth and effortless. She is delight. I can’t recommend her highly enough.

Jeri was very knowledgeable and kind. She provided us with the best rate out there and she guided us every step of the way. She worked day and night (weekends too) for us and clearly communicated every step of our refinancing process. I would say we were not the easiest customers for her but she was always kind and reassuring! Thank you so much! If we ever come across anyone with lending needs, you will be the first one for us to recommend as the best of the best.

this was a great experience it was fast and easy and inexpensive i will recommend Jeri groves to any one looking to refinance or buy a house she is great to work with

Jeri made our refinance process quick, smooth and painless. Jeri was a pleasure to work with!

We had a wonderful experience re-financing our home.
I attribute this entirely to Jeri Groves. She clearly laid out the steps we would go through. After locking in the rate the process was easy. She communicated to us as each step occurred. The loan was completed quickly. Her pleasant personality and direct approach is an asset to your company. I have and will refer other potential clients to Jeri Groves

I recently did a refinance on my home. I have done many throughout the years, and I have to say this was the quickest and easiest loan I have ever done. I worked with Jeri Groves who kept me in the loop through the entire process and made this a breeze. I can’t say enough good things about how great Jeri and her team are. Thank you for helping me achieve my financial goals by reducing my mortgage without stress.

Professional and informative

Great job.always there to answer any question.

Lynn and Paul are the best full stop: From beginning to the end of this complicated process we were always kept up to date and with no problems ever arising. We are satisfied customers and will do business with these outstanding business people again and into the future.

A good experience from start to finish. Fast, transparent, and treats you personally.

Paul made my refinance easy and stress free. He explained every step and document very well and was very professional. I will definitely be using this company again in the future.

A well trusted colleague with property in DC recommended this company to me and so I reached out online. Paul quickly responded to my inquiry about servicing a mortgage loan on a Florida rental property apologizing that they are licensed to serve Virginia, California, Washington State or Arizona and thus were unable to directly assist. However and unexpectedly, he provided insight into our situation from his perspective. Going above and beyond what is typical these days, he did his level best to thoroughly explain from an honest perspective, what my husband and I could expect from other lenders with regards to points, and interest rates, and why. Moreover, when I thanked him he simply responded, “I just try to treat others like I want to be treated, that’s all. The mortgage world is fraught with misinformation and sadly a lot of dishonesty. As a company, we are trying to be the antithesis to that – to be part of the solution and not part of the problem.” From this experience and my colleagues praises for this company, I think you would be in good hands choosing Pacific Mountain Capital. Best of Luck Everyone!

Lynn and Paul were extremely thorough, transparent, and efficient. Both are professionals who are experts in the field. They put together a great package and closed the process in rapid fashion. Highly recommended for you!

Working with Paul and Lynn made the my IRRRL refi about as smooth as I could possibly imagine it. From start to finish, we were done in barely 2 weeks. Through the process I really felt that they gave a personal level of care and dedication to my loan process, and there wasn’t a single question they weren’t ready to fully and promptly address. Out of all of the lenders we shopped with, PMC gave us the lowest rate, most lender credits, and overall service hands down. If you’re a Veteran looking to do a VA loan, IRRRL refi, or even if you’re conventional, I have no doubts that PMC will exceed your expectations on what a lender *SHOULD* be. Thank you, Paul, Lynn, Elsa, and your whole team!

We had a great experience with your company. This was the easiest, fastest and painless process we have ever had. We will definitely recommend you to friends and family.

Paul Hepner was a pleasure to work with, he was very knowledgeable and professional and made the entire process fast, easy, and painless. If we ever refinance again, I will definitely call Paul.

Our refinance with Pacific Mountain Capital was the easiest ever. Paul and Lynn were on their game EVERY STEP OF THE WAY. I was kept up-to-date on everything. Although our refi was a little complicated, the entire process took about 3 weeks. If we ever need another mortgage I will not hesitate to contact Pacific Mountain Capital, they are THE BEST!

Paul went above and beyond…again. Through absolutely no fault of his, we seem to have the worst luck, meaning hiccups happening, when we re-finance. Last year, it was due to our 2nd mortgage being sold during our re-fi and both the old and new 2nd mortgage companies dragging their feet. Paul stuck with it then and stayed on those companies until we got it done. This year, we again had a mortgage sold during our re-fi process as well as the same uncooperative 2nd mortgage company, and Paul stayed on top of it to keep things moving. I can’t imagine trying to keep all of the parts working like he did in addition to always trying to get the best deal for us that he could. Paul will always be my first call for my mortgage business.

We had a fantastic experience refinancing with Jeri Groves, our specialist at Pacific Mountain. It was the easiest transaction we have gone through. Things could not have gone smoother or more quickly. This is our second time working with Jeri to refinance our home and it won’t be our last. She is a true professional!

It is a pleasure to give my thoughts on my experience working with Jeri Groves!
I have worked with her on three occasions and each time I am very impressed with her professionalism, knowledge, and thoughtfulness.. She has guided me through the process on my refinances, answered all my questions, and kept me informed on each step which makes the whole thing fast and efficient.. She is truly a wonderful person to work with and goes above and beyond to the extraordinary!

Paul was excellent. We didn’t want to start over with a 30 year mortgage, and he worked with us to find the terms we wanted. What makes his customer service even greater was that he came back and recommended that I stay with with my current mortgage company because I would get the best deal for my unusual circumstances, and that I should contact him if I had issues. That impressed me because he truly looks out for the best interest of his customers. You don’t see a lot of that.

Jeri Groves was exceptional in all aspects of our recent transaction. She followed up on every detail with precision and professional behavior. It was refreshing to have this level of interaction and to know that we could trust everything that was happening during the process!

Bill did a great job helping us with our refi he is amazing start to finish!
Thank you for all your help!!

It is indeed our pleasure to write a review on behalf of Jeri Groves, loan originator officer. First off, we would definitely utilize Jeri again for any refinancing needs as her customer service skills were stellar. Since the first moment we spoke on the phone, Jeri was well spoken, knowledgable and professional. Working solely over the phone to refinance our home could have been dicey and unpredictable however with Jeri at the helm, it went as smooth and painless as we could have ever hoped. She was extremely competent, communicative and met every timeline. Jeri was an effective communicator and well-prepared. She is the type of loan officer we prefer to utilize and hope others will too

Respectfully submitted,
Donna Dussault-Walker and John Walker, Buckeye, AZ

We have had four separate occasions to use Pacific Moutain, and Jeri is the only person we trust with our mortgage needs. She is exponentially more knowledgeable than any we have ever used in the past. She is honest, on the ball, and she communicates every aspect, as well as being ever present and spot-on with any questions we’ve had. She is very quick to return messages, and she genuinely cares greatly about her client’s well-being. I will never change to a different company or broker, as we have found the absolute BEST!

Paul and Lynn Hepner were extremely helpful during our refinance process. Available to clarify any questions or concerns that arose. They kept us informed every step of the way. We were able to get the lowest rate available and are very pleased with the process. I would highly recommend them, and if the opportunity were to present itself, would be happy to work with them again.

Really good experience with lynn hepner and Paul. No pressure, a thorough review of the why’s behind the numbers, very easy signing the final papers with help along the way with any questions. I would definitely recommend pacific mountain and lynn! Thanks so much.. very happy!

Ms. Jeri Groves is the best. She provided phenomenal customer service throughout the entire refinance process and worked deliberately to get us the best possible rate … better than rate offers from all other mortgage companies seeking our business. The refinance enabled us to lower our monthly mortgage by $350… a savings of $4,200 per year and $126,000 over the life of the loan. My wife and I think very highly of Jeri, her integrity, communication skills, patience, and commitment to help. She earned our trust and full appreciation. We recommend to anyone looking to finance their home to first seek-out Ms. Jeri Groves. I can’t imagine better customer service than what Jeri provided. Mike & Angie

Bill did an amazing job with my refi and gave me the lowest rate I have ever seen and amazing start to finish!
Thank you for all your help!!

Lynn and Paul were great. Easiest refinancing I have ever done. I came down over a percentage point, getting cash back and saving almost $300 a month. I would highly recommend Lynn and Paul to everyone!

I can honestly and wholeheartedly say that I had a wonderful experience working with Mrs. Lynn Hepner during the refinancing process. Mrs. Hepner was extremely courteous, PROFESSIONAL, and very attentive to my wife’s and my needs during the entire refinancing process. Mrs. Hepner took the time to explain all the steps in completing this process, as well as entertaining any questions my wife and I may have had during the process. I never felt pressured at all, during the entire process, which was very refreshing. IT WAS A GREAT EXPERIENCE WORKING WITH MRS. HEPNER. I will certainly reach out to Mrs. Hepner for any future home financing or refinancing needs. Again, thank you!
v/r
Alejandro J Valenzuela
Claudia L Valenzuela

I have to say, our refinancing with Pacific Mountain was a great experience. Paul, Lynn and the rest if the staff were all great in keeping us inform and updated throughout the entire process. They took all the time needed to explain everything, answer questions and keep me on track. We experience a bit if a hiccup right before closing. A small but of miscommunication, possibly on my part, but Paul immediately took ownership, got it fixed and we proceeded with only a 2 day extension. I understand in a detailed process like home refinancing, things can happen and all of my past home financing and refinancing, they did. What made this remarkable was Pacific Mountain’s immediate response to correct it, even take complete responsibility, even though I was partly at fault for not following directions. That was amazing. Beyond doubt, I recommend their services to anyone who wants someone in their corner when it comes to home purchases or refinancing, especially veterans. PMC is more than capable for getting it done and are true to their word every step of the way.

Paul Hepner is a man of his word. Even though I had some doubts as to what he said he could do to help a veteran, he didn’t disappoint. I highly recommend Pacific Mountain and Paul’s team for great customer satisfaction. His updates were comforting and kept things moving along seamlessly. Thanks Paul

Everything went very smoothly with the loan officers Paul Hepner and his wife Lynn Hepner until the Title Company got involved. Probably because the Title Company was overwhelmed because of the low-interest rates and the Covid-19. The Title Company had made some very big mistakes, and thanks to Paul Hepner and his wife and their due diligence, it was all straightened out. Paul kept me informed daily on the progress. I would recommend them to anyone that wants to get refinanced. It is easy when things go right, but to have someone like Paul and his wife Lynn working for you when it goes wrong is a real blessing. Thank You Very Much, Larry.

At first I was hesitant but fortunately we got Jeri on the phone and she eased any fears I had. I had talked to other companies and was not ready but Jeri took us by the hand so to speak and convinced us to go ahead now. She’s very convincing and kept us informed throughout the loan. I will refer her to friends.

Thank you very much Mr & Mrs Hepner for helping us on our refi, lower our rate, lower our monthly rate, I hope all the veterans that are looking for refi, they can call Mr & Mrs Hepner there dedication in detail are awesome, they helped me a lot, thank you so very much.

My husband and I had an amazing experience working with Paul! As a real estate broker, I work with tons of lenders. I often advise my clients on whether or not to accept a contract based on who a lender is. It is that crucial. Paul exceeded all of our expectations from day one mainly from excellent communication throughout the process and just plain honesty in what would work best for our situation. It is really that simple and rare! Paul was extremely thorough in explaining the loan and didn’t rush to get off the phone to get to the next person (lenders are slammed right now). Not only as a lender, but just as a business person in general, he is definitely in the top tier. He will 100% take great care of you. I have already begun recommending him to my sphere.

I have refinanced several mortgages with this company, in particular with Bill. He has always been honest, accurate, quick and easy. For every loan, I shop around with other companies and Bill has always beaten the other deals.

Wanted to express how delightful it was to work with Paul and Lynn Hepner through my refinance here in Peoria. Both Paul and Lynn were very transparent throughout the process and kept me informed with weekly if not daily updates. As a veteran I have moved many different places throughout the years and have worked with many different brokers/lenders and I must say this is the best experience I have had! Thank you Paul and Lynn!!

I have worked with Jeri Groves on every one of my mortgage origination transactions and I’m impressed every time. We initially purchased our house through a loan acquired through her and have done two streamline refinances since. She always sets the right expectations and keeps amazing communication throughout. I will mostly likely always use her as my go to for loan origination.
Thank you!

I have worked with Bill Cunnington at PMC before and that is why I used him again. He works very hard at communicating and keeping me up to date. I always felt like he was looking out for what was best for me.

Excellent service and superior honesty. They reviewed my loan situation and were honest enough to say “No, your current loan is at a good rate, we would not be able to help you.”

Jeri was the best loan officer i have ever dealt with! I have refinance at least 5 times over the years and this was the quickest and lowest loan rate for me. Jeri kept me up to date as the refi was processed, and made me feel confident she would get me the best deal. So glad the Freedom mortgage loan officer ignored me, otherwise I would have had a 1.25% higher APR. Very happy I went with PMC.

Working with Paul was truly a refreshing experience. Everything was completed in a timely manner with the upmost concern for my personal situation. The customer service and care of Pacific Mountain Capital is beyond reproach. Thank you!

Everything was handled in a pleasant and professional manner. I was kept fully informed every step of the way and was treated as if I were the only client being serviced. I have refinanced my home on several occasions and this was by far the most pleasant. thank You

Paul did an amazing job with my home purchase. He was able to get me the best rate and deal available in the market. He guided me through the entire process and was able to help overcome any problems that presented. He always puts his clients before anything else and is someone you can trust. Ive worked with other good loan officers in the past but Paul is by far the best. I will definitely recommend him to all my friends and family.

This is my second loan with this company. Paul makes everything so simple and he is so wonderful to work with. I recommend him to anyone looking for a home loan. I will be using him again soon when I purchase my next home!

We worked with Jeri Groves. She was great with communicating with us and it was the easiest and fastest refi we have ever done.. it was really a great experience!

From my first call to Bill Cunnington regarding refinancing, I knew he would be amazing! The whole process started and finished in no time at all! He made something I was dreading into the absolute best experience ever! He’s extremely honest, knowledgeable, efficient and helpful! For the first time, I really felt that he cared about us and getting us the biggest bang for our dollar, not his or the company’s. I will only call him for housing financing/refinancing needs in the future. He is truly a gem; I can’t recommend him enough! Bill, thank you for being you, you rock my friend!

A little over nine months ago I was searching to refinance my home to take advantage of the low rates back then. Believe me, I’ve searched and I thought I had found the lowest rates but a day before I was going to make my decision I received a call from AZPMC. I told them that I have contacted many places and had made my mind up on who I was going to go with for the refinancing. They asked me to give them a chance. I was a little skeptical but I really had nothing to lose so I said yes. And I was go glad I did because they gave me a rate that was much lower then the one I was actually going to go with!! Paul H. and his team were so helpful and really went out of their to help me understand the process. Now, nine months later, rates are down again and Paul and his team again helped me to refinance and I am saving thousands of dollars. again!! AZPMC is my place that I go to when I need to refinance! And I always give my family and friends this contact when they are looking to buy a home!! Before you make a decision, you MUST call AZPMC last!! I am so glad I did!! Thank you Paul and team for all your help and I will be getting back in touch!! God Bless!!!!

I had a great experience refinancing my home with Jeri’s help! Jeri explained the process very clearly so there wouldn’t be any surprises, and she communicated with me every step of the way. Thank you, Jeri!

Paul is by far the best we’ve worked with. We came in with only one option in mind, Paul went above and beyond to review our overall financial status and present a couple of much better options. He and his team guided us through every step, helped to find solutions with all issues, and were very quick to respond. We will definitely continue to work with Paul and team in the future. He is highly recommended, I’ve already started to spread his contact through our families.

Paul’s amazing. Rarely do you get the opportunity of working with someone who actually cares about you and not just your money. My family and I thank you for helping to bring a bit more peace of mind in these troubling times.

Paul & Lynn Hepner were AMAZING! They made our refinance very easy and worry free!

Paul & Lynn Hepner were GREAT. Thank you so much for your time & counsel. It was very much appreciated. It’s so refreshing to finally find someone whose honest & not out to scam you or in it for themselves. Thank you very much.

Our loan was process experience was great, the time and effort Jeril put into the process was outstanding👍
We have been working with lenders for over 30-years and it is extremely hard to find people with the knowledge, professionalism and over all out of this world service
Every lending company should have a Jeril Groves in their team
Jeril
Thank you so much for the pleasant experience

I really liked working with Lynn because she was very honest with everything. She always explained everything to make sure my husband and I understood. Never rushed us. We r Seniors and I very safe and cared for. I appreciate her service and she was very professional. I have a lot of respect for Lynn and I received respect from her. Good work Lynn and May God Bless You in everything you do.

Paul captured my attention on the phone with his easy and informative approach. We had multiple calls with Paul, he explained the benefits of working with Pacific Mountain Capital. What he said would happen, really did happen! I am very happy to have worked with PMC. They are the best mortgage lender in the business, and Paul is the best in the business at what he does! I’ll be calling Paul if we need another mortgage!

I am not an easy sale, particularly by telephone. I prefer direct face to face in person contact. That said I am pleased to say Ronnie Atkins had superior skill and authenticity in his tact in communicating with me over the telephone to get me to agree to speak with Lynn Hepner, Licensed Loan Originator with Pacific Mountain Capital L.L.C. Agreeing to speak with Lynn resulted in my next level of excellent service with Pacific Mountain. Lynn brought to my experience comfort, trust, and a sense of family. Her kind and soothing voice coupled with her knowledge in Veteran home loans gave me what I needed to trust doing business with her and Pacific Mountain. I also appreciated the team/family approach of doing business with Paul Hepner as well. Both Lynn and Paul worked collectively as a team always allowing me full access to one of them throughout the process of my VA refinance. A great group of people you can trust. I am very much appreciative for the great service and care these professionals provided to me and I highly recommend Lynn or Paul for your refi needs.

Paul took care of all the details, keeping me informed every step of the way.

Paul was great. He was communicative the entire way and working remotely due to Covid-19 it made things alot more comfortable with his quick response times, and just general assurance of the process since it was done entirely electronic.

Jeri Groves is AMAZING to work with! We worked with her 7 years ago when we purchased our home and just recently to refinance. She is beyond knowledgeable in this field! I was clueless when it came to refinancing, the process was fast and seamless.

Great job to Paul and Lynn Hepner

Paul was really fantastic throughout the entire process. I have no complaints. I’ll be calling Paul the next time I need a mortgage.

I first met Jeri Groves on the telephone in April or May 2020. The refinance advertisement I received seemed unbelievable. So I called Jeri, in part, to call her bluff! My non cash out refinance went through in July 2020. My interest rate was reduced.  The bluff I thought I was going to call her on; was not a bluff but a pleasant reality for me. Jeri delivered on her commitment and I consider her a woman of immense integrity. Based on my personal experiences Jeri is a businesswoman I recommend without reservation. So if you are of the same mind as I was, reread my review and thank you lucky stars because you called on one of the few brokers in the business that place your financial interests above her own. I know!!!

After having had a very bad experience with a refinance through another financial institution, I was hesitant to ever refinance again! But I desperately wanted to lower my interest rate also. Mr. Hepner was confident in assuring me that, if I refinanced a VA IRRL loan through his company, he could make this happen. I could tell immediately this man was, not only market and industry savy, but was also straight forward and honest at all times, and, most of all, that he had my best interests at heart. He was detail oriented in explaining my options throughout the whole process and was so helpful in responding to my many questions, while keeping me updated at all times. I was so impressed with his work ethic that I contacted him 7 months later to obtain another VA IRRL refinance loan for me. Having gained the utmost confidence in him, this time I did not have to ask so many questions! I would recommend him to anyone in the future. I am so thankful for what he has done for me!

It was a great experience working with Lynn. She was knowledgeable and personable. Her weekly updates really helped. When I had a question or concern and on the rare occasion she didn’t answer the phone, Lynn called back promptly and always had an answer to my question.

We have financed/refinanced many homes with Jeri Groves over the years and her customer service is impeccable and her integrity is unmatched. We proudly refer all of our friends and family to her with exceptional results each and every time.

I have had the pleasure of working with Jeri on several mortgage transactions- both purchasing and refinancing. She is a machine! Not only will she get you the best rate, but she is on top of your loan handling every detail personally. Even my escrow officer was complimentary on how on top of everything Jeri is. She’s always available when you need her and responds quickly with answers. The level of customer service Jeri provides is outstanding.

When I kept getting advertisement about interest rates being at an all-time low, I naturally contacted the only person I trust to be honest with me. Jeri quickly ran numbers and encouraged us to take advantage of the low rates. We are so happy we did !! This is my second refinance with Jeri, and like before the entire process was quick and easy. The notary was friendly, professional and conducted the signing in a very safe manner using the protocols we expect during these times. We will continue to recommend Jeri and her company…without hesitation !!

Lynn and Paul at Pacific Mountain Capital, LLC are two of the most helpful people I have come across in years. The refinance process was made painless because of their efforts. Lynn was especially helpful in providing the guidance needed to navigate the refinance requirements. Lynn has proven to me that she is a great communicator, clear and concise. I don’t think I could have found a better resource. If you have a need to refinance then these are the folks to talk to.

Lynn Hepner and her associates made our process so smooth and calming! We’ve refinanced many times before and those other companies made us feel as if we were subpar and they were rude and self-centered. Lynn, Paul and the rest of their team are very professional and treated us like good friends. I felt like I was on a vacation! Thanks again to all of you and we WILL recommend you and WILL do all of our business with you!

Paul was great to work with – always on top of what he needed from us, promptly responding to questions and requests, and keeping us informed. Our refinance couldn’t have been smoother! I highly recommend Paul and Lynn and the entire team.

It was a pleasure doing business with Paul and Lynn. They kept us updated on the process in a timely manner. Our loan opened and closed in a timely manner and I look forward to working with them in the future,

I can’t recommend Paul highly enough. When interest rates dropped so low, we knew we had to re-fi our mortgage. We ran into some issues because we had just taken out a 2nd loan due to a remodel, and the company that owned the 2nd loan seemed to be doing everything in their power to throw monkey wrenches into our process. Paul worked tirelessly to get them on board, and then they sold the loan to another company that wasn’t any more helpful. It caused our loan process to drag out two months longer than it should have. Paul worked hard for us every step of the way and kept us informed as to what was going on. He fought for us, and in the end, he got us an even better loan with a better rate. We can’t recommend him enough and will definitely be a return customer. Thanks, Paul!