Last updated: February 9, 2017

The Pacific Advantage: Bruised Credit

Welcome to our Product Overview for Mortgage Pros.

Pacific Union Financial recognizes what should be obvious, but seldom is – folks with mortgage expertise need the best tools in order to succeed. So we provide them. This series demonstrates that we have the range of products and tools to help accomplished mortgage professionals do what they do best, which is reach more consumers and close more loans.

See why we say, “We work hard to make your job easy.”


Determining an average credit score can be a tricky business. There are three credit reporting agencies, and each have their own methods for determining credit scores.  Because of so many different factors and loan product variations, it’s hard for Pacific Union to point to a single number and say, “This number, this is our national average credit rating.” Especially as that number changes with economic fluctuations.

What isn’t difficult to determine is the fact that there are a lot of people, good and responsible people, who don’t have the best credit numbers in town.

As a mortgage professional, you want to be able to help them. And you can – with Pacific Union Financial.

Humble Beginnings

In 2004, Evan Stone looked around and realized there was an underserved population the industry was ignoring: responsible would-be homebuyers with rocky credit that could nonetheless afford mortgages.

So, he decided to do something about it. He founded Pacific Union Financial, in part, to reach a population that other companies couldn’t – or wouldn’t. While we now offer an extensive variety of mortgage loan options for credit from best to bruised, we’re still a leader in the challenged credit space to this day. Whether it’s purchase or refinance, Pacific Union is ready.

Extensive Options

Our wide range of loan product options means that we can help mortgage professionals secure the benefits of home ownership for more people, even if they have less-than-perfect credit. Just take a look at some of the mortgage loan features Pacific Union can provide:

  • All Government – FHA, VA, USDA, HARP, 203(k), 203(h)
  • Conventional – Fannie and Freddie
  • Proprietary Non-Agency Product Suites – FlexKey and Pacific Prime
  • Sub-600 credit scores allowed in some cases

If borrowers can’t find what they need, they will go elsewhere. That’s why Pacific Union is dedicated to providing mortgage options that span the spectrum and fill in the gaps left by others. We have the tools to help. And we’re always looking for people who share our philosophy.