Specializing in reverse mortgages. The firm is a 30 year expert in central coast California purchase or refinance home loans. Other loans the firm specializes in include: No Cost "Refinance" Loans, 15, 20, 30, or 40 year Fixed-Rate Mortgage, 3/1, 5/1, 7/1 or 10/1 Adjustable Rate Mortgage (ARM), 5/25, 7/23 or 10/20 Balloon Mortgage, Home Equity Line of Credit or Home Equity Loan and a specialty of ours.... REVERSE MORTGAGES!! PCM has helped thousands of home buyers and homeowners obtain residential Real Estate Financing throughout the State of California. Now is the time to consider all aspects of buying real estate with interest rates historically low. We work hard to get our borrowers wholesale interest rates for the lowest mortgage payments. NMLS# 318060