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:

I have been a client of Pacific Coast Home & Real Estate for over 5 years now. Mark is friendly and competent to work with. I rely on his advice for my real estate needs and have specifically done a few refinances with him. He has gone over the top to make things easy for me. I highly recommend him. Julie Scott

Julie S

Oceanside, CA

I found a place I wanted to purchase and came to Mark to get a quote for a purchase loan. He was able to lock me in with a great rate with a lender that was quick and had no delays on closing escrow which was exactly what I needed. He was on top of it especially with getting the details taken care of and has a great team. He knows this area very well and I have friends who use Pacific Coast Home & Real Estate for real estate transactions who are happy and repeated customers.


Carlsbad, CA

I just completed a refinance through Mark. It was easy and painless, him and his team are knowledgeable, fast, and efficient. The few problems we did run into were handled immediately. I would highly recommend this company and Mark.


Oceanside, CA

Mark O'toole was wonderful to work with. He was able to get my re-fi done without much effort on my part. A dreaded deed that was needed to be done but Mark took the dread out and made it easy. I would recommend Mark to anyone. He gets it done, and no surprises!

Helen M

Oceanside, CA

Thank you Mark. Thank you Kelli. Thank you PCHM. Your expertise and professionalism were invaluable thorough the whole process. And for everyone else, if you want to cross the home buying process bridge with minimal hiccups in a time efficient manner with your interest in mind and as stress less as possible, I would kindly ask you to consider Mark and his team at PCHM for your home buying needs. And no, I was not paid for this review. ?

A Rosales

Vista, CA

Mark and Kelli were fantastic! This was the easiest,fastest refinance I have done. I have done several over the years. They made my experience very simple and painless! I was able to sign all paperwork using DocuSign on my phone. I didn't have to take any time off of work. The notary was able to accommodate my signing the final papers after work and took under 1 hour.  I was able to email them all documentation they needed. They were very professional and answered all my questions even though I thought they were stupid. STOP  looking and choose Mark you will not regret it! 


Escondido , CA

The best of the best. This team can make your dreams come true. They will work hard for you and make your experience a happy joyful one stress free they hold your hand from start to finish.
In todays busy world that means everything no one has the time to be tied down to a refi we all have to work to fulfill the obligation of that
Mortgage payment. Mark has assembled a team of professionals that are the best of the best. I would recommend them to everyone and feel sorry for anyone who did not use them.

There that good.

Jennylynn Bagwell

Oceanside, CA

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.


Oceanside, CA

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!


Oceanside, CA

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!


Oceanside, CA

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.


Oceanside, CA

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.


Oceanside, CA

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.


Oceanside, CA

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.


Oceanside, CA

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.


Oceanside, CA

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.


Oceanside, CA


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