Pacific Capital Mortgage

Elevating the Commercial Mortgage

We are passionate about creating a better loan process, serving happy clients, and building a foundation for financial success. This allows us to provide our clients with competitive rates, tailored financing solutions, and an efficient loan process focused on communication.

We offer a variety of commercial loan options to fit many diverse and complex scenarios. Let our years of experience work for you.

Multi Family

We help finance multi family properties big and small. We offer flexible terms and programs to meet your needs whether you are looking to make a new purchase or refinance an existing asset.

Office

We offer financing on office space for both the investor and the owner user. Whether you are looking to finance a small office condo space or a large building, we can help make it possible.

Retail

Looking to buy, build, or refinance retail space? We can help finance all types of retail assets including a free standing building, small strip space, large retail center, and much more.

Industrial

Industrial financing can be difficult, but we are up for the challenge. Warehouse, manufacturing facilities, and industrial yards are common properties we finance but send us you scenario and we can help!

Construction

Our history in property development and we love helping with construction financing. If you are looking for creative financing, our projects range from single family homes all the way to large scale mixed use developments.

SBA Financing

SBA financing can be a great option for many business owners but it is important to understand the pros and cons. We will help educate you and find the best solution for your goals.

Mixed Use

Mixed use is a fun asset for us to finance and we have helped our clients with everything from a small residential mixed use asset all the way to large mixed use commercial buildings for investors.

Specialty Use

We have helped finance everything from churches, to schools and even a portfolio of charter boats! Throw your difficult financing situation at us, and we will help make it happen.

Land

Quality financing is the cornerstone of land ownership or acquisition since there is often time a delay until it produces a return on investment. Our experts can help with diverse land finance options.

Don't See What You Are Looking For? Give Us A Call!

We treat each transaction like it is our own. This helps us keep our client's best interest in mind and overcome obstacles that would cause most to give up. Here are some kind words from our wonderful past clients.

Client Reviews

After 33 years originating residential mortgage loans, I found that many of my client’s needs included commercial real estate. One refinanced her school building; another refinanced their multiunit apartment building and another residential client is getting construction financing for her development project. John’s professionalism and broad knowledge base makes him my go to commercial lender.

Mark N.

I’ve had occasion to work with John on a number of commercial transactions over the past few years. He brings a wealth of knowledge and creativity to every transaction. He’s an excellent communicator, a very hard worker, and seems to have a very thorough Rolodex. I would highly recommend him for any commercial real estate transaction.

Bill B.

I have worked closely with Pacific Capital Mortgage to help finance client's and family member's commercial assets which have resulted in two successfully closed commercial transactions. The personal care and attention to detail was impressive. We also received a great interest rate and it felt like our long term success was the top priority. Very grateful for all of the help and guidance from the PCM team.

Greg P.

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