Pacific Coast Home Mortgage & Real Estate Inc Vista Way, Oceanside

We refinanced our home with Mark O'Toole. He was absolutely amazing throughout the whole process! Kept in contact with us and lead us through every step. He was even able to get us a whole percentage lower than what was promised in the beginning. Because of Mark we are saving over $500 a month on our mortgage. We can't thank him enough! I highly recommend Mark, he is a hard worker and will get you what you need!

2022 Update to add that we are STILL clients of PCHM and wouldn't think of going anywhere else- they are the BEST! 3 years ago: Mark and his team made the home buying process easy and smooth for us. It's a tough market and since he can do both the loan and the real estate transaction it made things much easier and more smooth for us and took away the problems that happen when the bank and real estate are separate and often miscommunicating. My husband and I are both self employed so he took our complicated financial situation and found funding that worked for us. We would definitely work with him again and refer him to our friends!

Highly recommend Mark! He provided us a great rate, fast service and was always available for a call to discuss the loan process on our first home purchase. His advice helped us close on our house fast. He brings many years of experience and always provided us with updates at each step. Thank you Mark!

We needed to refinance our mortgage to pay off a large amount of debt, so we searched online for a mortgage broker with the best reviews. Mark O’Toole was the best candidate. I was very impressed with his interactive website that gives all the info needed for different loan types at the current rates. I really appreciated the fact that I didn’t need to give my personal information and expect a phone call before I had access to this information. Once I got to the request for my SS# on the online application, I stopped because I wanted to check another option before our credit was pulled. At that point, Mark called, and he couldn’t have been nicer. He asked how he could help and assured me that he would not pull the credit until I was ready. Mark was willing to go through all the scenarios with me and offered possible options based on what I thought I knew about our credit report, title and 1st mortgage. After sending all the docs and he pulled the report, the situation was more complicated than we thought. Mark was very patient and responsive to all my questions. He was always quick to get back to me by email or pick up the phone. He was straight forward about what we could and couldn’t qualify for and very thorough and understanding in his explanations. I was very impressed with the entire experience with Mark and can highly recommend Pacific Coast Home Mortgage & Real Estate Inc.

My husband and I were referred to Mark by a family member who was very happy with the work he did for them. Being a first-time homebuyer, Mark is very friendly and professional and gave us some very useful information about loans and the home buying process before and during our home buying experience. He is amazing to work with and makes himself available throughout the entire process. He's there with you every step of the way. We highly recommend him and his team if anyone is looking for a mortgage broker!

Mark and his team recently helped our family refinance our rental property. His knowledge of our local market, his efficiency and his overall expertise made for a very smooth transaction. Mark's resources got us the best rate possible, and we are so very thankful for this. We will definitely return to Mark and Pacific Coast Mortgage for our future real estate needs. We sincerely recommend Mark to you!

Mark is excellent and so knowledgeable. We have used him several times for our home buying/refinancing needs. He is professional and efficient. He provided excellent advice to our daughter regarding her first home purchase, focusing on her situation and circumstances, and not just trying to close a deal for himself. He is always my first referral to clients and friends.

Mark and his team did an excellent job on our refinance (and on the original purchase loan five years prior). Mark is always a pleasure to work with, is extremely efficient and keeps us updated throughout the process. I appreciate his candid nature, straight-forward approach and the time he takes to help us through the process. He and his team always have my recommendation.

Mark and the staff are wonderful.! the smoothest process I have even been through with a loan. PAINLESS AND STRESSLESS! they answered all questions promptly and with clear instructions. Stop looking around and choose Pacific Coast Home Mortgage and ask for Mark! This is my 3rd time working with him. It's so comforting to be able to trust someone!

Mark was a pleasure to work with and made everything easy and straightforward. He was available whenever I needed a question answered...or some reassurance. We did everything electronically which was easier for me. He was courteous, prompt and understanding of the nuances of my situation. I used Yelp to find him and definitely agree with all the other reviews that he was awesome!