Customer Testimonials

We work very hard for our customers because nothing pleases us more than helping our clients acheive the dream of affordable home ownership. We want to add you to our list of very satisfied customers.

Read what others have said about working with us:

Mark and his team did an outstanding job with our refi. What impressed me the most was his knowledge about the loan process and his responsiveness to my questions. He clearly understands the new loan processing requirements and the refinance market. He helped us find a product that was best for our needs. I highly recommend Mark and his team and have already made a referral.

- Anonymous
Oceanside, CA | September 24, 2012

I highly recommend Mr. O'Toole. My loan was riddled with everything that could possibly go wrong regarding to my financial situation for loan qualification purposes. Mr. O'Toole was extremely patient and cooperative in every way. He gave me clear instructions and he walked me through the process very effectively. He also alerted me to changes in mortgage options as they developed such that at the end of the transaction, I ended up with a better mortgage than I ever expected. I will not hesitate to call Mr. O'Toole if I ever need to finance or re-finance any properlty. Greate job Mark!

- Anonymous
Oceanside, CA | September 24, 2012

Great service and pricing. Mark makes your loan happen with as little effort from the client as possible; and gives you the best rate as well!

- Kalon
Oceanside, CA | September 24, 2012

We were so pleased with the service that we received from the owner, Mark O'Toole. He was honest about everything, responsive (a huge plus in that business), and even helped me after the sale with several contacts i needed for starting in a new city. Any time I asked about different rates, costs, etc...Mark could send me a printout of exactly what to expect. I did not get the run around or the typical "don't worry it will all come together". The mortgage was exactly what he showed me upfront and there were not any hidden fees. As far as the real estate itself, Mark really knew the area and really took my priorities seriously. He sent me updates that showed all the new listings in my area as soon as they were on the market. The biggest thing; however, that made me happy about the purchase was that Mark was thinking of my well being even 10 years from now. My transaction with Mark was definitely a 5 star rating.

- Jo
Oceanside, CA | September 24, 2012

Mark did an awesome job selling our house in Oceanside, finding use a wonderful new house in Carlsbad and getting us a great loan. I would highly recommend Mark to anyone who is looking for real estate or mortgage assistance. This was our first time selling a house and Mark and his staff went above and beyond to make sure that we were comfortable and understood everything that was happening.

- Andy
Oceanside, CA | September 24, 2012

I have refinanced twice with Pacific Home Mortgage and Real Estate. I worked with the owner, Mark O'Toole, directly. He was very helpful and took the time to explain all my options. He made the process easy and took the stress out of it. He is a local businessman and lives in the area. It's good to find a person you can talk to and meet directly instead of trying to do this kind of thing through the internet. When you are dealing with your home, I think it's better to deal with a real person. YES, RECOMMENDED.

- Jerome
Oceanside, CA | September 24, 2012

Mark O'Toole exemplifies great work ethic and I would highly recommend him without a doubt. One of the things that empresses me most about Mark is how he stays current on real estate and mortgage market trends so he can provide his clients with the best home loan programs that meet theirs needs in our current real estate environment. If you have a friend or family member entering the housing market and need financing - call Mark.

- Greg
Oceanside, CA | September 24, 2012

After being told no after no on a VA home loan I found Mark O'Toole and was told yes. As I get ready to move in to my home. I can tell you Mark O'Toole is the best out there. He kept me informed and up to date. Went more than out of his way to cover not only my fears but real things like to make sure my realtor had done the offer right. Give him one phone call and you will see what I am talking about. He has up to date lending rules in his head with an unstoppable drive at getting to one point, closing the loan.

- William
Oceanside, CA | September 24, 2012

I am pleased to recommend Mark and Pacific Coast Home Mortgage and Real Estate. Mark is highly knowledgeable in an industry that constantly changes. He was extremely competitive for the jumbo loan on our purchase that we never questioned using him again to refinance a few years later when rates dropped. I have referred friends and family members to Pacific Coast Home Mortgage with no worries they would be in good hands. This is the true test of your confidence in a business when your referrals are as pleased as you are.

- Jeff
Oceanside, CA | September 24, 2012

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Pacific Coast Home Mortgage

2424 Vista Way Suite 105, Oceanside, California 92054
Phone: 888-893-7775 | Fax: 760-888-9122
Pacific Coast Home Mortgage & Real Estate Inc dba Pacific Coast Home Mortgage California Bureau of Real Estate Broker License #01870553 NMLS: 237888
Mark O'Toole - President / Broker / Owner