A Home Loan Designed For You
Whether you’re a first-time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial. We make it simple, clear, and human.
- Speak to a local mortgage professional
- No obligation, no credit check
- 1-Minute request
— Welcome to Pacific Lending
A team that gets to know you first.
Our success comes from a simple combination: consistently competitive options and, above all, outstanding customer service. We take pride in treating every client with honesty and integrity.
We want to get to know you so we can match you with the ideal financing solution — and help you find, keep, and afford your dream home.
Led by loan officer Idrees Khan, NMLS #694081 — Pacific Lending, an Ontario, CA mortgage lender licensed in 20 states.
— Quick 1-minute loan request
Start a conversation about your mortgage today.
We pride ourselves on clear communication and easy access when you need us. Answer a few quick questions and an experienced, local professional will guide you from here.
- Speak to a local mortgage professional
- No obligation, no credit check
- 1-Minute request
What is your main goal right now?
— Loan programs we specialize in
A program for every borrower.
A few of the twenty-plus options under our roof — your advisor helps you find the right fit.
Medical Professional Loan
Your student loans and short work history shouldn't stand between you and your home. Qualify using your signed employment contract — even before day one.
Learn MoreDown Payment Assistance
Down payment is the #1 reason people put off buying — and it’s often the easiest part to solve. See which assistance programs you qualify for.
Learn MoreBusiness Owner Loan
Great businesses show low taxable income on paper — and traditional lenders punish you for it. We can qualify you using bank statements instead.
Learn MoreCash-Out Refinance
Pay off high-interest credit cards, fund a renovation, or consolidate debt into one lower monthly payment — using the equity you’ve already built.
Learn MoreRate Reduction
If your mortgage rate is higher than today’s options, a simple rate-and-term refinance could put real money back in your pocket every month.
Learn MoreHero Program
Special home-loan incentives for police, firefighters, teachers, and nurses — because the people who take care of everyone else deserve a break too.
Learn MoreDSCR Loan
DSCR loans let real estate investors qualify on a property’s rental cash flow instead of personal income — no tax returns and no DTI. Scale your portfolio faster.
Learn MoreReverse Mortgage
If you’re 62 or older, a reverse mortgage lets you access your home’s equity with no required monthly mortgage payment — while you keep living in your home.
Learn More— Mortgage guides & resources
Plain-English mortgage guides
New to non-traditional home loans? Our guides explain how self-employed, investor, and specialty mortgages actually work — written by a licensed loan officer, not a content mill.
The Self-Employed Homebuyer’s Guide
How to get a mortgage with no tax returns — qualifying with bank statements or a P&L, what lenders look for, and how much you can borrow.
Read the guideThe Real Estate Investor’s Loan Guide (DSCR)
Qualify on a property’s rental income instead of your paycheck — DSCR requirements, minimum down payments, and how the ratio is calculated.
Read the guideThe First-Time Buyer’s Down Payment Playbook
Down payment assistance, low-down-payment programs, and exactly how much you need to buy your first home in California.
Read the guideFHA vs. Conventional Loans in the Inland Empire (2026)
FHA or conventional? Compare down payments, mortgage insurance, credit, and 2026 loan limits for Riverside and San Bernardino County buyers.
Read the guidePhysician Loans in Southern California: A Doctor’s Guide
How doctor loans work for residents, fellows, and attendings in the Inland Empire and SoCal: low down payment, no PMI, student loans, and contracts.
Read the guideOur clients are the foundation of our success.
5.0
All 5-star reviews
“Working with Idrees during my home buying process was an absolute pleasure. From start to finish, he made what could have been a stressful experience feel incredibly smooth and manageable. I would highly recommend Idrees to anyone looking to purchase a home, especially first-time buyers.”
“As a first-time homebuyer, I didn’t know what to expect, but working with Idrees Khan made all the difference. From day one, he was informative, patient, and completely transparent. He went above and beyond to find the best loan solution for me. Thank you for helping me graduate from Renter to Home Owner!”
“I wasn’t sure I would qualify — I’d tried other lenders before that denied me — but Idrees was able to work his magic and really dedicated his time to helping me get a loan with a GREAT RATE! I highly recommend him if you need a lender who’s knowledgeable and will do whatever it takes to help.”
“I’d definitely recommend Idrees and his team for anyone new to the mortgage process. I recently obtained a 30-year fixed mortgage and they made it smooth and easy for us — communicative, knowledgeable, and transparent about costs and timelines.”
“Thank you for your outstanding assistance throughout my mortgage process. Your professionalism, knowledge, and attention to detail made what can often be a stressful experience smooth and manageable. It’s clear that you genuinely care about your clients.”
“Idrees was able to help my family and I structure a loan when we were told no by multiple lenders. He really came through in the clutch for us and was responsive and informative throughout the whole process. Idrees will always be our go-to lender. Thank you again!”
“After speaking with him the first time, I knew he would be the person I could trust. He is extremely knowledgeable and patient, and he assisted me with reaching my goals with the refi of my mortgage. The process was very smooth. Highly recommended.”
“Idrees made my cash-out refinance quick and easy! He was professional, responsive, and got me a great rate. Highly recommend!”
“Working with Idrees during my home buying process was an absolute pleasure. From start to finish, he made what could have been a stressful experience feel incredibly smooth and manageable. I would highly recommend Idrees to anyone looking to purchase a home, especially first-time buyers.”
“As a first-time homebuyer, I didn’t know what to expect, but working with Idrees Khan made all the difference. From day one, he was informative, patient, and completely transparent. He went above and beyond to find the best loan solution for me. Thank you for helping me graduate from Renter to Home Owner!”
“I wasn’t sure I would qualify — I’d tried other lenders before that denied me — but Idrees was able to work his magic and really dedicated his time to helping me get a loan with a GREAT RATE! I highly recommend him if you need a lender who’s knowledgeable and will do whatever it takes to help.”
“I’d definitely recommend Idrees and his team for anyone new to the mortgage process. I recently obtained a 30-year fixed mortgage and they made it smooth and easy for us — communicative, knowledgeable, and transparent about costs and timelines.”
“Thank you for your outstanding assistance throughout my mortgage process. Your professionalism, knowledge, and attention to detail made what can often be a stressful experience smooth and manageable. It’s clear that you genuinely care about your clients.”
“Idrees was able to help my family and I structure a loan when we were told no by multiple lenders. He really came through in the clutch for us and was responsive and informative throughout the whole process. Idrees will always be our go-to lender. Thank you again!”
“After speaking with him the first time, I knew he would be the person I could trust. He is extremely knowledgeable and patient, and he assisted me with reaching my goals with the refi of my mortgage. The process was very smooth. Highly recommended.”
“Idrees made my cash-out refinance quick and easy! He was professional, responsive, and got me a great rate. Highly recommend!”
Let’s find your ideal financing solution.
Start the quick 1-minute loan request and a local professional will take it from there.
- Speak to a local mortgage professional
- No obligation, no credit check
- 1-Minute request