Pacific
Cove
Estates
Pacific Cove Estates and Finance is a specialized residential real estate and home financing company with a team of experienced realtors and loan officers. We provide real estate counseling and financial services with personal attention while offering unique services with a focus on today's technology. We offer proven buying and selling strategies while providing honest opinions and options for buying, selling or financing residential real estate. Trust is hard to find in today's highly competitive real estate market. We are here to provide to you answers to any questions you may have about any residential real estate or home financing subject.
About
Matthew Freeland has been a licensed Real Estate Agent for over 20 years. In that time he has been involved in all aspects of residential real estate including mortgage lending, purchasing of properties through foreclosure auction or probate, renovation and resale, and home development projects. He is a proud graduate of San Diego State University and still roots for his Aztecs.
Outside of work, Matt's favorite roles are being a husband and dad. He spent years coaching his daughter in flag football and his son in Little League, and he loved being on the sidelines, in the dugout and in the middle of all the memories that come with watching kids grow. Today his daughter is a competitive swimmer and his son plays ECNL soccer, so the coaching days have given way to plenty of early mornings, long drives and cheering from the stands.
Matt and his wife enjoy traveling with family and friends and making the most of their time together. That might mean a day at the beach, surfing, a family ski trip or simply supporting their kids in the classroom and in their sports. Their family also includes one very cherished dog. When he can find the time, Matt still loves getting out for a round of golf.
Real Estate Services
The goal of Pacific Cove Estates and Finance is to provide quality and knowledgeable services while avoiding the cookie cutter mentality of most other real estate companies. We have assembled a team with dynamic and specialized talents, allowing us to provide you a complete top to bottom approach with any real estate need you may have. Through various preferred partnerships we are able to offer not only the purchasing and selling of real estate, but also lending, construction and real estate management.
Home Purchasing
Nothing says more about who you are than where you live. Pacific Cove Estates and Finance has the professionals who specialize in finding the home that will fit your style and price range. Our specialty with home purchasing involves our licensed agents with Construction Management degrees, who can counsel you on any repairs or remodels you might want to perform on a perspective property. Our licensed contractors who can estimate how much remodels will cost and what options you have. All of our agents are full time real estate specialists who will work with you on your schedule and are dedicated to listening to your needs.Modern Selling Expertise
We have a talented team of realtors, marketers and negotiators who will walk you through the steps involved to sell your home. From our in-house marketing coordinator, video coordinator, photographer and cinematographer, we have all of the tools necessary for today's market. Selling your home through Pacific Cove Estates and Finance means you have access to not just one realtor, but a whole team of specialists. We take the time to discuss your unique needs and goals, ensuring that we will get you the most benefit from selling your home.
Residential Development
Pacific Cove Estates and Finance has experience in building residential homes from the ground up. From multi-million dollar home design, home construction and remodeling to home repairs, we have the team and experience to see your project completed. Our extensive portfolio includes remodeling and construction management of homes, condominiums, backyards and front yards.Recently Sold
A few of the homes Pacific Cove Estates has listed and sold for our clients across Orange County and Long Beach.
319 Viejo Street
2450 Vista Hogar
22372 Harwich Lane
16425 Martin Lane
9452 Waterfront Drive
4001 Elm Avenue
2013 Oxford Avenue #4
Pacific Cove Estates was the listing agent on each sale. Photos courtesy of CRMLS.
Financing Services
Pacific Cove Estates and Financing offers a variety of specialized loan services for residential housing, including conventional home loans for the self employed using bank statements and/or assets, new construction loans, home purchase loans with low down payment options, VA loans, FHA loans, reverse mortgages, debt consolidation loans and refinancing. Our loan officers, who are recognized in the community for leading performance, will take the time to understand your individual leads. After identifying your needs, we will help you find a mortgage that meets your budget. We strive to provide excellent service and communication throughout the lending process.
Home
Buying
Helping you choose the right home loan is what we excel at. Reliable Lending offers a personal approach to help you understand the entire loan process. We are able to offer potential home buyers a variety of lending options - no matter what your situation might be. By utilizing our leveraging power through multiple lenders, you can trust that we are able to provide competitive rates and high quality services.
Loan
Services
Reliable Lending is able to provide residential loans and refinancing with fast processing and competitive mortgage rates. We specialize in assessing your plans and needs by using a personalized touch. Being a small and independent brokerage, we are able to give you the service and programs not offered by today's big banks. We will meet with you, review your situation and determine what loan program will best fit your needs.
How We
Can Help
We separate ourselves from the other banks and brokerages by providing you with the knowledge needed to make a lending decision. With over 15 years of lending experience, Reliable Lending is able to provide mortgage advice for any scenario. Whether you are wishing to receive at FHA, VA, conventional or streamline loan, we can help you with every step along the way.
Conforming Home Loans
Following the guidelines set forth by Fannie Mae and Freddie Mac, conforming loans offer the most popular loan products. Down payment requirements vary by program, and low down payment options are available. These loans are available with fixed or adjustable rates. Conforming loans with a smaller down payment normally require private mortgage insurance (PMI), which is added to the monthly payments.FHA Home Loans
The Federal Housing Administration (FHA), which is controlled by the Dept. of Housing and Urban Development, offers various mortgage loan products. The primary purpose of and FHA loan is helping owner-occupied borrowers by offering them low down payment options. They are generally easier to obtain than conforming loans and are available to urban and rural areas for single family homes, condominiums and up to 4-unit properties.VA Loans
VA Loans are guaranteed by the US Department of Veteran Affairs. This government sponsored loan allows eligible veterans and service members to obtain a home loan with flexible down payment requirements. With favorable loan terms and not having to pay monthly mortgage insurance payments, a VA Loan offers many benefits over traditional loans.Jumbo Loans
Jumbo Loans are non-conforming loans for amounts above the conforming loan limit, which is set each year by the Federal Housing Finance Agency and varies by county. This type of loan product allows borrowers to finance higher-priced homes.Common Loan Types
30-Year Fixed Rate Mortgage
The 30-year fixed-rate mortgage has a specified interest rate and a monthly payment that never changes. When interest rates are low, fixed-rate loans generally offer more savings in the long run. 30 year fixed mortgages are good for people who plan on staying in their home over a long period of time.15-Year Fixed Rate Mortgage
With the same rules as a 30-year fixed mortgage, the 15-year fixed mortgage will offer a lower interest rate. The downside is that you are committing to a higher monthly payment, but your loan will be paid off twice as fast. Many borrowers decide to choose a 30-year mortgage and make larger payments instead.Adjustable Rate Mortgage
An Adjustable Rate Mortgage (known as an ARM), is a mortgage where the interest rate paid will vary depending on market factors. The monthly mortgage payments may be lower or higher than a 30-year fixed.Interest Only Mortgage
An Interest Only Mortgage is a type of mortgage where the homeowner is only required to pay off the interest that arises from the money borrowed. Because only the interest is paid off, the payments are constant for a certain amount of time. After a set period, the loan will be reset into a fixed or variable rate mortgage.1125 Victoria Street Suite H
Costa Mesa, CA 92627
P: 1-800-259-1728
E: info@pacificcove.com