Best Mortgage Rates & Home Loans - Tailored for Every Situation

First-Time Homebuyers

Refinancers

Downsizers

Investors

... and more!

Here to help you get pre-approved for a mortgage loan that fits your budget. Our brokers compare multiple lenders to find the best home loan terms possible - without the hassle.

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Fast, Easy & Affordable Mortgage

Lowest Rates, Maximum Savings

We fight for your best rate, helping you save thousands over your loan's lifetime.

Fast Approvals, Zero Stress

No delays - just a streamlined process to get your loan approved faster.

Tailored Guidance

Expert, one-on-one guidance to find the perfect loan for you.

Our Proven Process

Personalized Consultation

Assess your financial situation and explore the best loan options - free of charge.

Pre-Approval & Qualification

Handle paperwork and secure fast pre-approval, giving you a clear budget.

Loan Selection & Rate Optimization

Negotiate competitive rates and loan solutions to match your financial goals.

Closing & Homeownership

Finalize the process efficiently, guiding you through closing with confidence.

Stress-free mortgages, tailored for you!

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pcfWhy Choose PCF

At PCF, we do more than just secure mortgages - we are committed to giving back to our community and making a lasting impact. Through local initiatives, we strive to empower the next generation, helping them build a stronger, more promising future.

15 +

Years of Experience

120 +

Loan Programs

Specialist Industries

Experienced Partners

Learn More About PCF

Flexible Solution

A wide range of loan programs to fit every financial situation

Transparent Service

No hidden fees, just clear & honest guidance.

Fast Closing

Average closing time of just 24 days.

reviewWhat Our Clients Say

Trusted by homebuyers nationwide. Discover how we’ve helped others like you!

This is a very reliable and good company! All of the staff are really nice and go out of their way to help with stuff that is more than you could ask for. They went out of their way to get bank statements and switch gas and electric accounts, they did everything needed to get your paperwork sorted out.

Very friendly with immigrant families and non-English speakers too! They helped with going to the bank to us with obtaining docs for my non-English-speaking parents. Available at all times and resourceful! Definitely recommend. This is a great company for people who are looking to buy a house and need help with the mortgage process.

Ngan Huynh (MA)

Everyone on the team is great, especially Trish and Ethan, they helped my family tremendously. The house-buying process is very stressful, but Trish made sure everything was straightforward. I’m very happy that there are Vietnamese-speaking professionals since our household’s preferred language is Vietnamese. Definitely recommend People Capital Funding for your house-buying process. The staff is caring and very informative.

Kim Han (MA)

Ronnie and his Team at People Capital Funding exceeded my expectations as a mortgage service provider. Their customer service was outstanding, providing prompt and helpful assistance. I highly recommend People Capital Funding for their professionalism and efficiency.

Tina Vo (NH)

Our Mortgage Experts

Ethan Huy Nguyen

Chief Executive Officer

Ronnie Nguyen

Chief Operating Officer

Duyen Do

Branch Manager

Trish Phuong Nguyen

Mortgage Consultant

All Members

Let's Find the Perfect Mortgage for You!

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Need Guidance? Start Here!

Get clear answers to common mortgage and home loan questions.

What are the steps to getting a mortgage? How long does it take?

Pre-Approval: Lender reviews finances and estimates your borrowing power.
House Hunting & Offer: Find a home and make an accepted offer.
Loan Processing: Lender verifies documents and finalizes approval.
Closing: Sign paperwork, pay closing costs, and get your keys.

PCF is well-known for closing loans faster than the industry average!

What credit score & financial requirements do you need to qualify?

Key factors include:

Credit Score: 620+ for conventional, 500-580 for FHA with a higher down payment.
Debt-to-Income (DTI) Ratio: Ideally 43% or lower.
Income & Employment: Stable income with 2+ years of work history helps.

Not sure if you qualify? We’ll guide you through your best options!