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Ricardo Pacheco

 

VP of Military Affairs Northwest

Certified Mortgage Advisor

US Marine Veteran

 

Direct: 916.747.5913

Fax: 949.519.4479

Email: ricardo.pacheco@slgmortgage.com

NMLS# 454956


I am a USMC veteran and served my country honorably from 1983-1991 as an NCO/Sgt – mountaineer, survival instructor and infantry leader; while on active duty , I deployed to over 41 countries in pursuit of many life challenges and difficult obstacles,  I always found success and completed all my assignments. My military experience helped me transition into a wonderful career in mortgage lending  where I have funded several thousand loans – this experience has been valuable to my approach in everything I do.

 

The last 21 years of leadership in the mortgage industry has allowed me to help educate homeowners and provide a clear and precise understanding of what a mortgage loan should be for all my partners, borrowers and their families. How has this worked for me and my team, it comes from my many years of advising, consulting, coaching and giving my all to all by clients and customers.  At times it carries me beyond what I thought could be done.

 

A Five Star professional dedicated to serving all my customer’s and client’s needs.  I have a high level of business retention and a large referral base of customers and real estate partners,  who've become longtime friends as well business partners.  It matters who you work with , as a certified mortgage advisor , you will receive all your answers to questions or concerns.   

 

I’m also a national board of director for a non-profit for veterans at Veterans Association of Real Estate Professionals , aka “ VA REP” ,  a true 501c3 agency and member since 2013. Please visit our websites at www.varep.org advocacy for sustainable home ownership, education and policy for veterans on the VA loan benefit they have earned , www.vetcares.org a wellness program helping with healing and support to veterans and lastly, www.stopdroppush.org focused on stopping the 22 a day veteran suicides. Certified MVHC Military Veteran Housing Counselor on the VA loan.

 

Now for my local community,  I am an avid advocate for homeless military and people in need and volunteer my personal time and money serving the Sacramento region in reaching out to destitute people with connecting them with agencies fulfilling the need for food, clothing, mentoring ,counseling and serving all who are in need.  

 

I’m married to the love of my life Susanna for the last 21 years , we have 7 grown children and 8 grandchildren along with our two small yorkies Milo and Charlie , Susanna and I  live in Elk Grove, CA. They are my most important drive in life to be ethical ,work with integrity and help as many people I can in life.   Let’s become friends !

 

I love what I do because I love people!

Thank you for your time and may God bless you always.

 

Semper Fidelis


HOME PURCHASING

 

A properly structured home purchase loan allows you to get the home you want with a payment that fits your budget. Even first time home buyers have many options when it is time to purchase their first home. We can help you choose the right program, price range, and even direct you to the right Realtor for you in your area.

HOME REFINANCING

 

A home refinance loan can not only improve your current rate and terms, but can give you a chance to change the type of loan you are in, increasing your loan payoff time.

MORTGAGE TOOLBOX

 

By consolidating your monthly debts into a home equity mortgage, you will be replacing your credit card debt with mortgage debt, which is often at a lower APR and can be tax deductible (consult your tax professional). 


Our goal is to offer the best refinance rates and lowest payments.


How We Work

Whether you need help for a debt consolidation loan or you have bad credit, we are your complete mortgage solution for refinance and purchase transactions. Need cash out? Debt consolidation, cash out, and low interest rates are our specialty, regardless of bad credit, foreclosures, or bankruptcy.

We know that you have specific needs and we strive to meet those needs with a wide array of refinance and purchase products and most importantly, quality service and individual attention. We can help you resolve your bad credit, bankruptcy, and foreclosure issues. 


OUR LOCATIONS

 

CALIFORNIA

3545 Howard Way

Costa Mesa, CA 92626

T 800-817-0201 E reception@slgmortgage.com

 

NEVADA

9205 W Russall RD, Building #3, Suite 240

Las Vegas, NV 89148

T 800-817-0201 E reception@slgmortgage.com

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Sovereign Lending Group Incorporated

NMLS Unique Identifier 189421

3545 Howard Way

Costa Mesa, CA 92626

NMLS     |     FAIR LENDER     |     FAIR HOUSING

2017 Sovereign Lending Group Incorporated.

All Rights Reserved.

Sovereign Lending Group Incorporated

NMLS Unique Identifier 189421

3545 Howard Way

Costa Mesa, CA 92626