Last updated: June 21, 2018

Wholesale Lending: Our Philosophy of Service at Pacific Union

At Pacific Union Financial, we respect the fundamental needs of Wholesale brokers. The unique challenges of the field require unique solutions. Some are common sense. Some require more work on our end so there is less work on yours.

As our founder and President, Evan Stone, explains in this video — all of them are worthwhile.

Additionally, all of them relate to our Wholesale philosophy: Make it easy. That’s why we write to guidelines, why we empower you, why we make sure we stay transparent and accountable. It’s why we’re so pleased to center the broker experience and hire highly-regarded professionals, like Mike Royer, to join our team.

But that’s not all. Here are a few more reasons to bring your Wholesale business to Pacific Union.

Government Lending Expertise

Pacific Union has been handling the intricacies of government-backed loans since we were founded in 2004. Not only do we have competitive rates and a wide array of loan products, we have the experience to make the most of them for your business.

Underwriter Accessibility

We’re proud of our underwriting philosophy of minimal overlays. But we’re also proud of our underwriters themselves. They’re not confined to AUS, and are able to provide manual underwriting for your difficult or challenging loan files.

Credit from Best to Bruised

We can handle your most demanding, high-dollar transactions with Jumbo and Conventional loans, and we can offer FHA and VA loans to individuals with FICO scores below 560 — in some circumstances even down to 500. Which means we can help you reach more borrowers.


Our custom-built portal combines efficiency and convenience into a one-stop shop for all your pipeline management needs. Lock rates. Manage conditions. Upload documents. EXPwholesale is designed to make it easy. And with a new one-page submission form and mobile functionality, we’re ready for you wherever you are.

We want to help you take your Wholesale business to the next level, so reach out to one of our Account Executives today.