I'm extremely pleased with our recent home refinance through 1st Pacific Capital! Glenn Bushmire was so great to work with in every way! I had a very limited understanding of how the whole process worked, and I was very appreciative of how patient and thorough Glenn was in answering my endless questions. It was quickly apparent to me that he had quite a bit of experience and knowledge that would benefit us greatly. I knew that we had chosen the right guy..hands down! He seemed trustworthy, genuine, and like he had our best interests in mind..first and foremost. He presented the different options in a very understandable way. I also liked that he took a good amount of time with me to explain it all, and I never felt "cut short" in any way. He genuinely seemed happy to give me his time. Being that he was a couple hours away and we never met in person, there were many phone calls exchanged and some were very lengthy (because of all my questions!) I also appreciated that he was so on top of it with the market, rates, etc. To say he was "up to speed" would be an understatement! The refi went great.. we got a rate that we were very pleased with, we're saving money each month, and we have some extra money now to spend on home improvements as well. The whole process went completely smooth. Everything that he had promised, was delivered. Not one problem or glitch. Not one. Glenn's hard work and commitment to his job and clients is commendable. Not only is it obvious that he has a strong work ethic and knowledge base, but his friendly nature and positive attitude also shine through. It was an extremely positive experience that reaped great results as well. Without a doubt, we will definitely rely on him in the future and will refer him to anyone we know. You can trust him to get the job done. He's a keeper! read more

Given the overall pain, stress and frustration the home buying process creates (thanks Dodd/Frank legislation), it would take someone pretty outstanding to get me to sit down and write a review. That outstanding "someone" came in the form of Glenn R. Bushmire and the team at 1st Pacific Capital. Glenn is absolutely passionate, knowledgeable and quite honestly....VERY good at what he does. The "cliff notes" version of my story is very simple. I created a document package of everything a lender would need to get the process started. Tax returns, bank and mortgage statements, etc., etc., etc. I gave that package to 4 entities. One BIG bank, my credit union, another smaller "hometown" lender and 1st Pacific Capital. The big bank never even returned my calls or emails. The credit union only responded with more questions and requests for documents then never followed up after I supplied them. The small hometown lender was so incompetent, that they could barely get my name right with my file in front of them. Glenn and his team took the info and had me preapproved within 24 hours. From there, Glenn's insight into the industry allowed him to lock in an excellent rate, manage a phenomenal amount of information and be a very effective liaison between the lender, the various agents, and myself. It was clear from the beginning he had MY best interests in mind during the entire process. We closed in just over 30 days! Glenn is tenacious, creative and has a wide and diverse knowledge about the entire real estate industry, not just the money side of the business. If you are trying to purchase a home, call Glenn R. Bushmire. He gets it and gets the job done. John Fehrman read more

I recently had the pleasure of working with Elenna and 1st Pacific in obtaining a loan. She was absolutely incredible. She is extremely professional and will go to bat for you to help you get solid loan at the best possible rate. From the beginning she was constantly thinking of ways to maximize my loan potential and still get me the lowest possible rate and she was able to get things done fast! I initially contacted another broker to assist me with getting financed for a loan and he was a disaster- he just constantly came up with road blocks for why I could not accomplish what I was trying to get out of my loan and in the time frame I needed it. Then I was introduced to Elenna at 1st Pacific. Man was she a breath of fresh air- not only was she able to get me a better loan she also found ways to get me a lower rate. She's very knowable and was always filling me in on what was going on so I felt comfortable about the process. Most importantly whenever any issues arose she immediately got creative and figured out ways to solve the problem so that everything could continue to progress forward. I would strongly recommend 1st Pacific Capital any anyone looking to get a loan. Thank you Elenna for your hard work and persistent demeanor- you worked magic for me!!! read more

Buying a house has always been a far off goal for my wife and I, as is for most in life. Like so many times before, we found ourselves needing a new home. I was pretty anxious and scared since our timeline was very slim - one month. Our instinct told us to revert to the rental routine once again. It was so defeating and in some cases offensive to see how high rent averages were. I didn't know what to do. I was trying to keep my head up but my heart was sinking. We needed some real luck. Then, we got Elenna. And it was so much better than luck. I remember the first phone call well. Her confidence in our readiness to be home owners was infectious immediately! I realized that we just needed to follow her lead, be punctual, and listen. She worked hard man! She kept us informed up to the minute that changes were made. She took the time to explain the things that we didn't understand. All we had to do was ask. This was our first offer on our first house ever, and we closed exactly when we were supposed to - like clockwork. You will not walk alone with 1st Pacific Capital. We will absolutely consider them a part of our family for life. We're pretty sure you will too! read more

AMAZING! I was recommended to Elenna and her company by a family friend who had used her before. He raved about her and how she was able to do things that no other broker could. He said, "she will make you feel like you are her only client." I have to say that I agree 100%! When I called Elenna I had already begun the pre approval process with my bank and was getting annoyed with the red tape and slowness of the process. Elenna, on the other hand, was extremely organized and well-versed and confident of what she could do for me. We flew through the process from pre approval to close of escrow. On top of the amazing job she did on our loan, she also did an excellent job as our real estate agent! Sellers become "giddy" when they find out you've got the same person doing your loan and your offer. They know the process will go that much faster. I was very pleased with how she handled negotiations with the seller and even writing the offer in the most competitive way. We had the smoothest home-buying experience start to finish!!! read more

When it comes to getting the job done and done right, Elenna is the one you want to contact. We had a hard time getting through to our sources and getting straight forward answers of what we qualified for from other people and it made the process of buying a home very difficult and almost exhausting to where we didn't want to buy. Fortunately we were introduced to Elenna through a realtor we met during the house searching process and from the start we were like "WOW"! Where has she been this whole time. 24 hours has answers and what we qualify for and within two weeks we were in the process of buying a home. That was three years ago. She recently did our refinance on our home and gave us great advice and was on top of things once again! She makes the whole process of doing loans very easy for buyers and is very up front with you from start to finish. Just want to thank her again publicly now and look forward to buying our next home with and through her. read more

With Mortgages and Refi's as they are now a days it was very refreshing to finally find and deal with a loan officer with the knowledge and experience Elenna at 1st Pacific Capital has! She did away with all the fast talk, nonsense and basic Bull$#@* other loan officers put me through with past mortgages. Elena was informative, very detail orientated and made me feel like she really cared about my well-being. But her biggest strong-point in my eyes was she spoke in a language I could understand and that was priceless! She also got me an incredible interest rate. I was so happy with Elenna and my experience that I recommended her to friends and people at work. In fact our CFO used Elenna and had the same wonderful experience and has only good things to say about her. If you're in the market for a Mortgage or Refi do yourself a favor and talk with Elenna! read more

Elenna's attention to detail makes you feel like, you are her only client. I am a first time home buyer and was nervous about the process and overwhelmed about where to start. Other home purchasers/refinancers in my office, who Elenna worked with, referred me to her. Elenna made my process flawless and effortless. Her knowledge of the loan/lender process and getting me the best rate was outstanding. She was tenacious & professional in dealing with uncooperative HOAs and insurance companies in order to meet deadlines. My real estate agents were very happy to work with a broker that was extremely organized, timely and kept everyone apprised of the funding situation. I highly recommend Elenna and 1st Pacific Capital and look foward to working with her again. read more

My wife and I have dealt with Elenna for several months as she assisted us with the sale of a piece of our property in Southern California. She was phenomenal in how she dealt with a difficult sale with a VA loan. These types of loans require so many peculiar requirements, yet, she just plowed through the problems and assisted us with extreme professionalism all the way. I would highly recommend Elenna Tobin to anyone to assist them in the sale or purchase of a piece of property. She is, without a doubt the most pleasant person we have ever dealt with in real estate transactions, carefully selecting and working with all individuals who are involved with the many complex transactions required for a sale. read more

As good as it gets in world of lending. Elenna at 1st Pacific Capital is extremely knowledgeable, professional, and trustworthy. She is straightforward about your options and will always help find the best deal that fits your individual situation. She has put together several loans/refinance's for my family and I and we could not be happier. I wish I would of found her and this company earlier. She works out of an Orange County office, but has done several out of county loans for us. The process is also extremely quick. From initial call to closing of refi was 7 days. Love the new loans, seamless process, and 1st Pacific Capital. Don't waste time with anybody else!! They're all a joke compared to her! read more

Just completed a re-finance on our home managed by Glenn Bushmire, Mortgage Specialist. This was our third time with Glenn - We keep coming back to him because I've never known any other broker keep such a close eye on the markets and be so tuned-in to the various & multiple levers which impact interest rates. He's also got more than enough patience to deal with our endless questions! This time around - just like the others - we closed quickly and with no nasty surprises, saving several hundred Dollars a month on repayments thanks to the rate he got us. Bottom line: If you want to finance through a knowledgeable professional with access to a wide range of loan products, Glenn is your guy. read more

1st Pacific Capital, owned by Jason and Elenna Tobin are "as good as it gets". I am a mobile notary who has done over 3000 mortgage signings. I've done signings for Elenna for over five years. There is no comparison as to their professionalism and honesty in this industry. They treat everyone of their clients as family and it shows when I arrive to have them sign their documents. The client is always prepared, informed and confident that they have gone with the right company, 1st Pacific Capital. My husband and I trust them so much; we use them for our mortgages and refer them to our family & friends. Don't look any further, call them today! Joanne Linklater, Notary Public read more

Mr. Shane Littlejohn, I wish to commend you for your efforts made in refinancing my home. I found your assistance to be cordial, professional, and responsive to my requests for information and updates. I appreciate fully your advocacy on my behalf and your openness in taking up my suggestions in overcoming the "bumps" along the way. If in the future a potential client is in need of a reference, please do not hesitate to have him/her contact me by phone or email. Also, please convey my thanks to Elenna for her assistance in the final push "across the line". The teamwork was great. Thanks again and best wishes in your future endeavors. Best regards, Len read more

Elena is a miracle worker! My husband and I are small business owners and were in a very tough financial situation. We did not qualify for any programs to refinance our home. Elena carefully evaluated our situation and gave us guidance as to what we needed to do to improve our situation. We followed her recommendations. Elena was able to find a loan that would work for us. It was not easy!!! We had a huge list of conditions. She helped us through each one. If it was not for her expertise, knowledge and passion, our re-fi would never have happened. Through the process, she became my friend. Elena never gave up on us and I am forever grateful. read more

Okay, this is an absolute no-brainer! We were referred to Elenna Tobin to help us land a loan for our first home. We were NOT an easy client... my acupuncture business fluctuates, and my husband had just gone from business owner to part time freelancer. Elenna did not take no for an answer. She worked her TAIL off, finding an incredible loan for us, and we landed safe and secure in our new home... I would recommend this company to a n y o n e ~hands down~ Integrity, honesty, warmth, humor, and a great loan in the end... what more could you want? And that's the truth! read more

We were so pleased with the service we received from Elenna at 1st Pacific. With another lender, we fell out of escrow twice. With Elenna, it was a completely different story. She worked tirelessly to get everything in on time, guided us the during the whole process as to the best options for each facet of our home loan, and we were so grateful for her knowledge! She truly cared that we got into the home we wanted, and that was the opposite of the experience we had with the big banks. I highly recommend Elenna for any of your home financing needs! She's the best! read more

Glen handled a refi of our home in Petaluma, CA (Northern CA). In the recent past, we have had several refis done and Glen's handling of the transaction easily surpassed all mortgage financing that I've ever had done. Timely, responsive, great rates, informative, closed quickly. Just really, really superb. He was so creative and met all of our special requirements for an unusual loan that met the goals we had for this time in our lives. Great job and I highly recommend Glen. read more

Jason and Elenna of 1st Pacific Capital are true professionals. They are extremely knowledgeable and know every facet of the loan business inside and out. They gave us all of our options, made us feel comfortable with the process and kept us informed every step of the way. Attention to details and very quick to respond and without a doubt the best pricing anywhere. We are thrilled with our new loan and I would recommend 1st Pacific Capital to anyone. read more

Elenna is number one in her profession. I was very apprehensive about dealing outside of my credit union to refinance, but I was soon put as ease after calling Elenna. Her patience and knowledge of lending we're exactly what I needed. As someone who knows little about financing, she carefully and clearly answered all my questions. I was able to have a lender and great rate within days. Thank you so much! read more