125 Victoria Street Suite H
Costa Mesa, CA 92627

Pacific Cove Estates and Finance is a specialized residential real estate and home financing company with a team of experienced realtors and loan officers. We provide real estate counseling and financial services with personal attention while offering unique services with a focus on today's technology. We offer proven buying and selling strategies while providing honest opinions and options for buying, selling or financing residential real estate. Trust is hard to find in today's highly competitive real estate market. We are here to provide to you answers to any questions you may have about any residential real estate or home financing subject.


What sets us apart from other Real Estate firms? Our experience and first-hand knowledge of the details that occur during the home buying and selling process. From searching for a home and qualifying for a loan to estimates on repairs and refinishing costs, we are there to help. We have direct access and recommendations to local contractors, suppliers and labor.
Ash Profile Pic
Ash Lomont is a member of the Orange County Association of Realtors and has 18 years of experience in the real estate industry. Ash graduated with a Bachelor’s Degree in Business Administration from the University of San Diego. With a broad knowledge of real estate matters including property management, transactions and construction, he has carried a reputation as a trusted adviser to his clients.
Matt Profile Pic
Matthew Freeland has been a licensed Real Estate Agent for over a decade. Over the past 18 years he has been involved in all aspects of residential real estate including mortgage lending, purchasing of properties through foreclosure auction or probate, renovation and resale, and home development projects. A proud graduate of San Diego State University, Matt enjoys spending time with his wife and children, along with surfing, golfing, the mountains, his dogs and rooting for his Aztecs.
Cheryl Profile Pic
Cheryl grew up in Newport and attended University of the Pacific. Cheryl specializes in high-end homes in the cities of Newport Beach and Huntington Beach. If she isn't spending her free time skiing, she is traveling to see her and her husband's families, who live all over the US. While being a well-known dog-preferring person, she does have a cat.
Paul Profile Pic
Paul Norris shows commitment to client care by bringing his extensive experience in the luxury market to the Orange County Coastal Communities. Through his background as a successful entrepreneur and business owner, he has developed exceptional negotiating skills and attention to detail. By utilizing the marketing power of Pacific Cove, buyers and sellers from all over the world have relied on Paul to help them achieve their personal and financial goals. Investors also find that his unique ability to assess opportunities allow them to create asset acquisitions which meet or exceed their financial goals. His success stems from his commitment to excellence.
Diane Profile Pic
Diane Koch has been involved in the real estate industry since 2003, taking part in various aspects of the industry including the evaluation, acquisition, and re-hab of single family homes and multi unit properties. Currently, Diane is working in the residential sale arena, specializing in helping homeowners negotiate the terms of purchase or sale. She offers her clients the expertise and knowledge in real estate rules and regulations. Diane does this with compassion and understanding for her clients during this sometimes hectic transaction.
Philippe Profile Pic
Philippe Noel was born and raised in the Newport-Mesa area. As an avid traveler reaching 25 countries by the age of 25 and a native speaker of French and Spanish, his curiosity and enthusiasm makes him a natural fit in today’s competitive Real Estate industry. Philippe has a professional background in aviation and public policy. As a former search and rescue pilot, flight instructor, and state legislative staffer, his experience with complex policy solutions and problem solving led him to pursue a career in Real Estate and Nonprofit solutions.

Real Estate Services

The goal of Pacific Cove Estates and Finance is to provide quality and knowledgeable services while avoiding the cookie cutter mentality of most other real estate companies. We have assembled a team with dynamic and specialized talents, allowing us to provide you a complete top to bottom approach with any real estate need you may have. Through various preferred partnerships we are able to offer not only the purchasing and selling of real estate, but also lending, construction and real estate management.

View of Coastal Neighborhood

Home Purchasing

Nothing says more about who you are than where you live. Pacific Cove Estates and Finance has the professionals who specialize in finding the home that will fit your style and price range. Our specialty with home purchasing involves our licensed agents with Construction Management degrees, who can counsel you on any repairs or remodels you might want to perform on a perspective property. Our licensed contractors who can estimate how much remodels will cost and what options you have. All of our agents are full time real estate specialists who will work with you on your schedule and are dedicated to listening to your needs.

Modern Selling Expertise

We have a talented team of realtors, marketers and negotiators who will walk you through the steps involved to sell your home. From our in-house marketing coordinator, video coordinator, photographer and cinematographer, we have all of the tools necessary for today's market. Selling your home through Pacific Cove Estates and Finance means you have access to not just one realtor, but a whole team of specialists. We take the time to discuss your unique needs and goals, ensuring that we will get you the most benefit from selling your home.
Home Under Construction

Residential Development

Pacific Cove Estates and Finance has experience in building residential homes from the ground up. From multi-million dollar home design, home construction and remodeling to home repairs, we have the team and experience to see your project completed. Our extensive portfolio includes remodeling and construction management of homes, condominiums, backyards and front yards.
Property Photos

Financing Services

Pacific Cove Estates and Financing offers a variety of specialized loan services for residential housing, including conventional home loans for the self employed using bank statements and/or assets, new construction loans, home purchase loans with as little 10% down up to $1M, VA loans, FHA loans, reverse mortgages, debt consolidation loans and refinancing. Our loan officers, who are recognized in the community for leading performance, will take the time to understand your individual leads. After identifying your needs, we will help you find a mortgage that meets your budget. We strive to provide excellent service and communication throughout the lending process.


Helping you choose the right home loan is what we excel at. Reliable Lending offers a personal approach to help you understand the entire loan process. We are able to offer potential home buyers a variety of lending options - no matter what your situation might be. By utilizing our leveraging power through multiple lenders, you can trust that we are able to provide competitive rates and high quality services.


Reliable Lending is able to provide residential loans and refinancing with fast processing and competitive mortgage rates. We specialize in assessing your plans and needs by using a personalized touch. Being a small and independent brokerage, we are able to give you the service and programs not offered by today's big banks. We will meet with you, review your situation and determine what loan program will best fit your needs.

How We
Can Help

We separate ourselves from the other banks and brokerages by providing you with the knowledge needed to make a lending decision. With over 15 years of lending experience, Reliable Lending is able to provide mortgage advice for any scenario. Whether you are wishing to receive at FHA, VA, conventional or streamline loan, we can help you with every step along the way.

Conforming Home Loans

Following the guidelines set forth by Fannie Mae and Freddie Mac, conforming loans offer the most popular loan products. Most conforming loans require a 20% down payment, but there are products that allow as little as 5% down payment. These types of loans are generally on a 10 and 30-year fixed term or a 3 to 10-year adjustable rate mortgage variety. Conforming loans that have less than 20% down payment normally require mortgage insurance (PMI), which is added to the monthly payments.

FHA Home Loans

The Federal Housing Administration (FHA), which is controlled by the Dept. of Housing and Urban Development, offers various mortgage loan products. The primary purpose of and FHA loan is helping owner-occupied borrowers by offering them a minimum down payment of 3.5%. They are generally easier to obtain than conforming loans and are available to urban and rural areas for single family homes, condominiums and up to 4-unit properties.

VA Loans

VA Loans are guaranteed by the US Department of Veteran Affairs. This government sponsored loan allows veterans and service persons to obtain a home loan with little or no down payment. With favorable loan terms and not having to pay monthly mortgage insurance payments, a VA Loan offers many benefits over traditional loans.

Jumbo Loans

Jumbo Loans generally are considered non-conforming and have a higher loan amount than $417,000. This type of loan product allows borrowers to qualify for higher-priced homes without having to put down a substantial down payment.

Common Loan Types

30-Year Fixed Rate Mortgage
The 30-year fixed-rate mortgage has a specified interest rate and a monthly payment that never changes. When interest rates are low, fixed-rate loans generally offer more savings in the long run. 30 year fixed mortgages are good for people who plan on staying in their home over a long period of time.
15-Year Fixed Rate Mortgage
With the same rules as a 30-year fixed mortgage, the 15-year fixed mortgage will offer a lower interest rate. The downside is that you are committing to a higher monthly payment, but your loan will be paid off twice as fast. Many borrowers decide to choose a 30-year mortgage and make larger payments instead.
Adjustable Rate Mortgage
An Adjustable Rate Mortgage (known as an ARM), is a mortgage where the interest rate paid will vary depending on market factors. The monthly mortgage payments may be lower or higher than a 30-year fixed.
Interest Only Mortgage
An Interest Only Mortgage is a type of mortgage where the homeowner is only required to pay off the interest that arises from the money borrowed. Because only the interest is paid off, the payments are constant for a certain amount of time. After a set period, the loan will be reset into a fixed or variable rate mortgage.

Pacific Cove Estates and Finance
1125 Victoria St Suite H, Costa Mesa CA 92627
Newport Beach, CA 92660
P: 1-800-259-1728
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Equal Housing Opportunity
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Reliable Lending NMLS - 304323