We would like to help you with your Mortgage Services.

There Is No Other Lender Like Us.

About   |   Our Tools   |   Our Team   |   Loan Programs

Fill out the form below to have one of our Loan Officers contact you.

We have the hustle and the grit needed to ensure we pre-approve and make homeownership happen. Our sales force, operations, and marketing efforts are second to none and work as one unit with our mission always top of mind.

We like to partner with like-minded individuals, agents, and companies that share our vision and hardwork.


Having a place to call home is an inherent dream in us all. It’s a place to hang our hat and lay our head. It’s where we spend time with friends and family. It’s where we watch our children grow up. It’s an investment that helps to grow wealth. Home is where our personal stories are written.

Building wealth through homeownership.



As with any industry, with the right tools anything is possible. Pacific Home Loans provides you with the right tools for accessing more of your leads and converting them to pre-approved buyers.

Learn how Pacific Home Loans' powerful tools can help.

Capture. Convert. Close. We are now in an era where buying a home primarily begins online! Learn how Alterra’s 3 C’s can help you convert online visits into closed transactions.

Realtor and loan origination collaboration for the best mobile buyer experience. Capture more business and continue to build your brand with our mobile app Pronto Plus.

Our dynamic online marketing platform is designed to keep your brand intact and separate you from the pack with a few simple clicks.


Pacific Home Loans offers the most diverse set of loan products in the industry. No matter what situation you may face, we set you up for one thing: to help a family get into a home.

Pacific Home Loans has the product mix your clients will appreciate.

• FHA 580 FICO

• FHA Standard


• FHA High Balance

• FHA 203k Streamlines



• VA Purchase

• FHA No Down Payment



• Fresh Start

• Bank Statement

• Homeowner Access

• Foreign National

• Non-Warrantable Condo

• Non-Prime

• Portfolio Select

• Doctor Loan Program

• Jumbo Loans


• Direct Freddie Mac

• Direct Fannie Mae

• Fannie DU Refinance Plus

• Freddie Open Access

• Fannie Homestyle

• Fannie Mae Home Ready

• Freddie Your Path

• Ginnie Mae



Lynnwood, WA

Loan Officer

(425) 330-5220  c

(877) 845-4805  o


Matt Lang

Branch Manager

(425) 876-2049  c

(877) 845-4805  o


Michelle Killmer

NMLS No. 1293271

©2019 Pacific Home Loans

Alterra Group, LLC NMLS 133739 is an Equal Housing Opportunity Lender. Alterra Group, LLC d/b/a Alterra Home Loans, d/b/a Pacific Home Loans, d/b/a Legacy Home Loans, d/b/a Novus Home Mortgage, d/b/a Inspiro Financial, and is headquartered at 350 S. Rampart Blvd Ste 310, Las Vegas, NV 89145. Toll Free (877) 845-4805; This is not an offer for extension of credit or a commitment to lend. Alabama – Consumer Credit License #22321; Arizona Mortgage Banker License #0915860; California – Licensed by the Department of Business Oversight under the CA Residential Mortgage Lending Act. – DBO Residential Mortgage Lending Act License #4131101; Colorado Mortgage Company Registration NMLS# 133739, Regulated by the Division of Real Estate; Connecticut Mortgage Lender License ML-133739; District of Columbia – Mortgage Dual Authority License #MLB133739; Florida Mortgage Lender Servicer License #MLD381; Georgia Residential Mortgage Licensee #30249; Illinois - Illinois Residential Mortgage Licensee, License MB: 6761067; Indiana-DFI – First Lien Mortgage Lending License 32967; Iowa – Mortgage Banker License #2016-0093 & 2016-0094; Kansas – Mortgage company License MC.0025464; Kentucky – Mortgage Company License MC421149; Louisiana - Louisiana Lender License (no license #)Maryland – Mortgage Lender License #22375; Michigan – 1st Mortgage Broker/Lender/Servicer Registrant FR0021588, 2nd Mortgage Broker/Lender/Servicer Registrant SR0021589; Minnesota Mortgage Lender Licensee MN-MO-133739; Missouri - Company Registration 18-2401; Nebraska – Mortgage Banker License NMLS #133739; Nevada Mortgage Banker License #3388 & 3873; Nevada Mortgage Broker License #2916; New Hampshire Mortgage Banker License – 21713 – MB; New Jersey Residential Mortgage Lender License NMLS#133739 – Licensed by the N.J. Department of Banking and Insurance; New Mexico Mortgage Loan Company License – 133739 North Carolina Mortgage Lender License L-173477; Ohio Mortgage Loan Act Certificate of Registration SM.502067.000; Oklahoma – Mortgage Lender License MLO11324 & ML011348; Oregon Mortgage Lending License ML-4879; Pennsylvania – Mortgage Lender License #55099 Licensed by the Department of Banking; Rhode Island Licensed Lender, NMLS 133739; South Carolina – Mortgage Lender / Servicing License MLS – 133739 & MLS – 133739 ITN #1; Tennessee Mortgage Lender License 131625; Texas-SML Mortgage Banker Registration NMLS #133739, Utah – Alterra Group, LLC is licensed as DRE Mortgage Entity # 10950285; Utah DFI Residential First Mortgage Notification License (no license #); Virginia NMLS ID #133739; Washington Consumer Loan Company License CL-133739; Wisconsin – Mortgage Banker License 133739BA; Wyoming Mortgage Lender/Broker License #3100. www.nmlsconsumeraccess.org

Satisfied with our service? Tell us here — Dissatisfied with our service? File a complaint here. Texas Complaint Recovery Fund Notice

NMLS Consumer Access: http://www.nmlsconsumeraccess.org

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