Our Story

We Have built a strong reputation since 1999 helping homeowners achieve the American Dream of buying their 1st home or their dream house..

We're a full-service Mortgage Company with an experienced staff offering expertise in every area of mortgage lending.  We offer Purchase, Refinancing and Reverse Mortgages and dedicated to finding the right loan for your financial plan.

You can apply by contacting your personal Loan Consultant or apply 24 hours a day 7 days week using our secure on-line Loan Application. You always be able to talk with the same Consultant through-out your home loan process, you are important to us not just a number like those large institutions. Call us now for a free loan consultation.

And thank you for considering Western Pacific Home Loans.

Meet the Team

Steve Rivas
Loan Officer / CEO

Since 1981, Steve opened  Western Pacific where I created a more personal lending service that focuses primarily on helping first-time buyers to one day buying their dream home. At Western Pacific, we offer a large range of lending services from Purchase and Refinancing to Reverse Mortgages. We handle all lending products for Single Family homes to multiple types of investment properties.

Benjamin Hernandez
Loan Officer / Real Estate Agent

Growing up in the real estate hotbed of Orange County, Benjamin has always had an interest in the Real Estate Industry. After graduating from the Marshall School of Business at the University of Southern California, he spent the first handful of years in sales and marketing. Since deciding to make the jump to follow his passion for the real estate industry, he has helped countless families purchase their first home as well as helping many entrepreneurs obtain alternative financing for their homes and investments. He currently resides in Anaheim Hills with his beautiful wife and their baby boy. They enjoy taking family walks in the park, creating new memories together through travel, and watching USC Football!

Veronica Miramontes - Davis
Loan Officer

Been involved in the mortgage business for 30 years.  Love helping people find the right type of loan for their needs. From working with 1st-time buyers to investors and people looking to refinance to perhaps invest or consolidate debt.  I can show you how very little money is needed to get into your 1st home with various products. I also can help our senior clients decide if a Reverse Mortgage suits their needs.

Patty Leal

Patty has been in the business for 12 years, first started off as a Loan Officer/ Sales Manager at another company, then came to Western Pacific Home Loans to become a Processor in 2010. She has two beautiful children and a husband who love spending time with their family.

Michael Rivas
Processor/ CRM

Experienced Business Owner with a demonstrated history of working in the wholesale industry for two years before becoming a Processor / Business Purpose Advisor for Western Pacific Home Loans. Skilled in Negotiation, Management, Microsoft Excel, Customer Service, and Sales. Strong sales professional graduated from Santiago Canyon College.