South Pacific Financial Corporation

I think this company made a mistake but it looks like they are doing what they can to rectify it. If they do, I’ll go with 4 stars.

Easy and quick with no surprises, Mike and everyone else involved were a pleasure to work with. Went with a bank at first and that was a complete mistake which we will never do again, these guys are the way to go.

Never had such an awesome team working for me to get me my house. My realtor and all parties involved loved this team.

Wish I could give a negative star rating. Nothing but mistakes and lies, then CYA excuses without correcting, attempts to blame others, not well trained (everyone including loan officers and management). When the lies, excuses and shifting blame doesn’t work, then comes the attempts at playing victim and then the extreme rudeness! DO NOT USE THIS COMPANY EVER!

This is the worst company in the world. The management is terrible and apparently no one is capable of doing their job there. They screwed up multiple times handling my loan. On top of that, the employees are nasty. When coming in to complete paperwork, I caught two employees emailing rude remarks about me (it was popping up on Microsoft outlook when I was using a computer in there, they even used my name to talk crap-​brainless!) And this all took place when their CEO was in the office for a meeting. Despite providing the proof, the manager defended his employees. I was more than happy to take my business elsewhere. Terrible.

I had a horrible experience with this office and I would not recommend. First complaint the Sr Loan Officer only makes calls after 7pm. It took 50 days to get loan approval for ¼ of the home price, when cash for ¾’s and perfect credit score along with savings to back it up. The contract was incorrectly written twice with the wrong amounts listed. Two nights before closing I am called and told the wrong amount was written once again and I need to rush to the bank and make a wire. Once the wire is completed I am told, oh we cannot tell you why but the loan may not be funded in time. This was 50 days into loan. The lack of professionalism was apparent from the Sr Loan officer to loan agent. I had to make many phone calls and complaints to their headquarters and finally the loan was funded and guess what? The amount I had to pay $ 25 to wire to the account, I got a refund because once again they had the numbers wrong. It was a nightmare. Also they sent out an alleged appraiser, I say alleged because this person appraised the home 80K less then what it should have been by using homes in a different zip code. None of this made any sense. In the end I would have been better off going to my credit union. I did not need a large loan and have no idea how someone who would, would be able to use this company and have a 30 to 45 day close.

Our re-​finance was not so great with these guys. We went beyond the rate lock period because we were forced to obtain additional condo insurance which is apparently a new requirement now (which was not their fault). However, we were charged an additional fee ($ 430) in order to extend the rate lock period. We were never advised of this, nor warned of even the possibility of it. The only reason I found out about it was when, a few days before closing, I questioned Dave Finley as to why every time I got a new GFE in the mail the cost kept getting higher. You see, on the GFE, this fee was apparently there, it just wasn’t called a fee, and the cost was not itemized out at a specific dollar amount, they simply reduced the credit that we received from them for accepting a higher interest rate. So over time, our credit just kept getting smaller and smaller. Bottom line, it was very difficulty to spot. I had plenty of conversations with Dave about fees and the GFE, but he never mentioned this one. He apologized for the oversight and said it was industry practice. I’m not so sure about that. Then, about five days after signing the final docs we get a call that they made a mistake and forgot that the property was in a trust. Of course by this time we thought we were done. So at 9:00 PM at night the notary returned to re-​sign all those docs… again!

David Wright did an outstanding job securing my loan and guiding me through the process as a first time home buyer. I appreciated the help and recommend David and his team.

My husband and I just purchased our new (perfect!) home with the help of David Wright at South Pacific Financial Corporation. David was extremely nice, helpful, and responsive from our very first phone conversation discussing the pre-​approval process all the way through the close of escrow. David and his team were always easy to get a hold of and provided clear answers to any questions we had along the way. David really went out of his way to ensure that we were getting us the best deal possible (locking us at a historically low interest rate and trying to negotiate lenders credits, etc.). He seemed genuinely excited to help my husband and I obtain our perfect home and he never made us feel taken advantage of or pushed around like some other lenders we had interacted with. My husband and I were applying for an FHA loan and looking at homes in the high 200k — low 300k range. It is so great to meet a lending professional who is willing to spend time and energy on those of us who are not «making them the big bucks». It’s also invaluable as a first-​time home-​buyer to have someone like David on your side to help explain the loan process step-​by-​step. Thanks to David and our awesome real estate agent (Betsy Heller), my husband and I just moved into our amazing new home on August 11^th!

I know South Pacific Financial Corporation through professionalism and dedication of one particular loan officer, David Wright, who made extra mile to assure that we receive the best mortgage deal there is. From the first day my husband and I met David about a year ago, he made the best impression on us. He clearly explained the conditions of our business relationship and how the processes work. David was always there for us whether we needed tax, mortgage, or any other finance advice. We recently purchased a house. Since the house was on the market as «short sale», we waited long months for seller’s approval documents. We chose to use VA loan to finance our house. During the entire purchase process, my husband was deployed and in the addition to full time job, children and household responsibilities, I had to somehow handle the house buying process. It was very demanding and stressful time, and I can’t imagine going through it without David. He was always there with his support, calming me up when I felt overwhelmed, always with prompt response and thorough explanation of every step. When I finally received keys to my new house, David even offered to help me move! I didn’t accept the offer, but everyone has to admit that it is not typical for finance officer. David is not typical, he is friendly and supportive, prompt and professional. I truly feel that we developed a friendship and trust during the process. I recommend David to anyone who seeks financial advice.

My loan officer Mr. David Wright is on top on target with his profession. He is extremely knowledgeable and truly wants to help people obtain a mortgage loan. David helped me back in 2004 obtain a first time buyer home loan and was there for me again recently to refinance my loan. David is genuinely caring and wants to help. He values his clients and makes you feel that way. He will answer your questions, talk you through the loan process and will ultimately get you loan approval. From the time i made the phone call to talk my situation over with David to the time I heard «congratulations you have loan approval» it took about 6 – 8 weeks. I trust David completely and will most definitely refer any family and friends who are looking for their dreams to come true. Thank you David.