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About Us

SP Direct Lending is a division of South Pacific Financial and has been serving homeowners and buyers since 1982.  We believe that trust is the foundation for effective relationships. We are successful in earning trust by consistently treating our customers, business partners, employees and their families in a manner that is just, right and fair.

We understand how important each step in the home loan transaction is – from finding the best rate to closing on time. We offer a diverse array of mortgage loan programs, including Conventional, Jumbo, FHA, VA and USDA loans at competitive rates.. Our experienced loan officers are uniquely qualified to help you find the right financing for your home.

Trust is the foundation of our relationships. We operate as a learning community, fostering a collaborative environment of life long learning and shared knowledge. As a learning community, we have incorporated a series of best practices to build a strong foundation and a sound financial legacy.

Founded in 1982, South Pacific Financial Corporation (SPFC) is a California based, Retail Only mortgage banking platform operating throughout the western United States, including Alaska, Arizona, California, Colorado, Hawaii, Idaho, Oregon, Minnesota, Nevada, Texas, Utah, Washington, and Wisconsin. As a direct lender, SPFC offers Conventional, Jumbo, FHA, VA, USDA and various bond programs including CalHFA and CHF Access.