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  • Sam Pabuwal - Mortgage and Real Estate Expert
  • Sam Pabuwal - Mortgage and Real Estate Expert
  • Sam Pabuwal - Mortgage and Real Estate Expert
Become a HomeownerGet Pre-Qualified for your new home today!

Find out what type of home loan you qualify for within minutes. This way you know how much purchasing power you have available when searching for a home.

Refinance your MortgageLower your rate and save hundreds on your monthly payment

Find out what refinancing programs and terms you qualify for so you can start saving ASAP.

Buying? Let us find the right loan for you

Welcome to the official site of Sam Pabuwal - Mortgage and Real Estate. We are a full-service mortgage company based in Newport Beach, California. We specialize in 1% Down Payment loans, First Time Home Buyer loans, Conventional loans, Home Purchases, Refinances, VA and FHA loans in all of California, including Irvine, Newport Beach, Orange County, Los Angeles.  Whether you are buying a home or refinancing, we can help you realize your dream of home ownership or save you money by lowering your interest rate, dropping your existing mortgage insurance, or consolidating debt.

We offer the following purchase loan programs:

1% Down Payment | FHA | VA | HomePath | Jumbo | Commercial | Conventional

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of all borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you.

We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | Conventional | HARP | Commercial | Jumbo

What makes Sam Pabuwal - Mortgage and Real Estate unique is that we are a full service wholesale broker. This means we have access to all loan products, and can offer you true wholesale pricing, so our rate and costs are always lower than the competition. We are also real estate agents, which means we can be your realtors and your loan brokers, which will save you time and money.

Contact Sam Pabuwal - Mortgage and Real Estate today to discuss your mortgage loan options and find out which loan program will best suit your needs.

Recent Articles

Reasons to Refinance When Rates are Rising - 5 Examples
Jan
16
2019
Reasons to Refinance When Rates are Rising - 5 Examples
In previous posts, we talked about the current rise in mortgage rates and whether it's still a good time to buy a home (yes it is!). This week, we want to focus on refinancing and whether you should consider it in this market. While it may not be the right time to refinance for all homeowners,...
Credit Score Requirements For 2019 Homebuyers
Jan
09
2019
Credit Score Requirements For 2019 Homebuyers
Your credit score is the first thing we review when applying for a home loan. While there are many factors involved in qualifying, your FICO is the most critical. The minimum credit score needed in 2019 to qualify depends mostly on the type of home loan you are looking to get. Generally...
Is Paying Off Your Mortgage Early Worth It?
Jan
02
2019
Is Paying Off Your Mortgage Early Worth It?
Paying off debt as soon as possible is always is a good thing --but does that rule also apply to mortgage debt? Is making an extra payment each month to pay off the mortgage early worth it? In this week's post, we'll explore the pros and cons of paying off the mortgage early. Not a homeowner...
Increased Mortgage Rates --Should You Still Buy In 2019?
Dec
27
2018
Increased Mortgage Rates --Should You Still Buy In 2019?
Does the news of rising rates make you second guess buying your first home in 2019? It shouldn't and here's why: Higher Rates But Not Frighteningly High With headlines that read "Feds Hike Up Mortgage Rates -- Highest Since 2014," it's no wonder that you doubt that it's a great time to buy...