A CalHERO loan specialist from Patriot Pacific will reach out to learn more about your goals and answer your questionscalherohomeloan.com. Think of this as a strategy session rather than a sales pitch. You’ll get a clear picture of your financing options, interest rates and potential savings, all without obligation. Having a dedicated advisor who understands the unique needs of first responders is a huge advantage.

When you’re ready, you’ll complete a full application and upload supporting documentscalherohomeloan.com. Patriot Pacific’s team guides you through every step so there are no surprises. Our paperwork is streamlined, and we keep your personal information secure. We do the heavy lifting—your main job is to gather your documents.

Once your application is reviewed, you’ll receive your pre‑approval lettercalherohomeloan.com. This letter shows sellers you’re a serious buyer with financing in place, giving you greater negotiating power. It’s like walking into a store with cash in hand—you’re more likely to get the deal you want. Pre‑approval usually comes quickly because CalHERO loans skip the second underwriting reviewcalherohomeloan.com, which means less waiting and more shopping.

This is where Pacific Home Group shines. As your real estate partner, we’ll help you shop for homes that fit your budget and wish list. We’ll negotiate offers, handle paperwork, and keep you updated at every turn. Once your offer is accepted, Patriot Pacific finalizes the loan, funds it and hands you the keys. Our combined teams work behind the scenes to ensure a smooth closing so you can focus on moving in.