Navigating the VA Loan
Process is Challenging

We are here to Guide you… Every step of the way

You have a lot of options… and our job is to Find you the Best Price and give you the Service You Deserve.

We Do This By:

STRAIGHT TALK

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No sales gimmicks, just the facts to help you make an informed decision

5 STAR SERVICE

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We invite you to read our reviews from actual Veterans like you

STELLAR COMMUNICATION

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By phone, email or text, you get fast response times

NO JUNK FEES

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We simply charge less

DOING THE MATH

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We shop the overall market to find the best rates for your situation

NO BAIT & SWITCH

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If we quote a rate, we can actually lock it for you
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Veteran Loan Options:

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VA LOANS

Home Purchase or Cash Out

Proud to help those who help us. VA offers zero down payment loans, great for first time buyers or buyers who don’t want to tie up their money in real estate. There never is mortgage insurance with VA loans.

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VA IRRRL

(Streamline) Refinance

In a VA loan now? Refinance into a lower rate without the hassle of income documentation or an appraisal.

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HIGH BALANCE (JUMBO) VA LOANS

Offering options for those whose loans are above the county limits.

Serving our Veterans

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Our team of experienced loan professionals are here to help you make the best possible decisions. We strive to give our clients a mortgage experience they have probably never received – smart, professional, informed, accurate, and a better deal than what they have found elsewhere. We don’t take your lending process lightly. We understand how critical it is to use the right wholesale lender for our client’s needs. However, we work only in our client’s best interests – never the lender’s.

Click here to meet our team members. You might have already heard from them, put a face to their name! We are all here to support you.

Testimonials from Veterans Like You

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Great to work with, all questions answered and very smooth process

Jennifer Sarandos – GLENDALE, Arizona
2022-01-19
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Great to work with, all questions answered and very smooth process

Jennifer Sarandos – GLENDALE, Arizona
2022-01-19
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The entire process of refinancing our loan went very smoothly & quickly. Lynn & Paul Hepner are both quite knowledgeable & very experienced which I feel is the reason why this transaction was easy qu…

Mauvolyene & perry Howard – ONTARIO, California
2022-01-18
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The entire process of refinancing our loan went very smoothly & quickly. Lynn & Paul Hepner are both quite knowledgeable & very experienced which I feel is the reason why this transaction was easy quick & troublefree! I would highly recommend Lynn & Paul Hepner to work with if looking to refinance!!

Mauvolyene & perry Howard – ONTARIO, California
2022-01-18
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My loan experience, as expected was amazing. Paul has done four of our loans – he is amazing as well as his assistant Michelle Heintz.

I have high expectations, expect calls and emails returned asa…

Marci Arredondo – GALT, California
2022-01-12
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My loan experience, as expected was amazing. Paul has done four of our loans – he is amazing as well as his assistant Michelle Heintz.

I have high expectations, expect calls and emails returned asap when it comes to the process and Paul NEVER disappoints.

Paul does all the work, always makes this process easy and with minimal disruption to my busy work schedule.

The Arredondos are 100% satisfied.

He is our permanent loan guy.

Marci Arredondo – GALT, California
2022-01-12
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Paul Hepner and his team at Pacific Mountain Capital are the best. Paul Hepner helped us lower our interest rate that lower our monthly payment. Thank you so much for doing our VA IRRL refinance exper…

Alberto Agustin – SAN DIEGO, California
2022-01-10
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Paul Hepner and his team at Pacific Mountain Capital are the best. Paul Hepner helped us lower our interest rate that lower our monthly payment. Thank you so much for doing our VA IRRL refinance experience so easy. Paul and Lynn, so professional and friendly people. Our communications were awesome, no snags. They walked us though every step all the way to the end of the loan refinance process. As a military veteran, I strongly recommend this company if you are looking for a very trustworthy mortgage broker. Thank you much again.

Alberto Agustin – SAN DIEGO, California
2022-01-10