CONFORMING CLASSIC
PB30,PB20,PB15,PB10,PB56,PB76,P106
FNMA DIRECT
FD30, FD20, FD15
714-367-5125
Toll Free : 855-550-8500
Mon - Fri 8:30 - 17:30(PCT)
info@pacbaylending.com15030 La Mirada Blvd
La Mirada, CA 90638
Mortgage Option
OJ30, OJ15, OJ56, OJ76
PJE30
DJ15, DJ30, DJ5/6, DJ7/6, DJ10/6
PBTS76
PBSV76, PBSV30H
PBSV56OP, PBSV76OP
PBDUVOE
PBSV76CRA
EP
PPA56BS, PPA76BS
PPA76PNL, PPA56PNL
PPA56AD, PPA30AD
You may also call us for information at (714) 367-5125.
As of 10/23/2025
| LOAN TYPE | UNDERWRITING | CONDITION REVIEW | LOAN DOCS | FUNDING | FUNDING (Refi) | DISCLOSURES | SUBMISSION |
|---|---|---|---|---|---|---|---|
| CONF / HIGH BALANCE | 4-5 Business Days | 24-48 hrs | 24 hrs | 24 hrs | 24-48 hrs | 24 hrs | Same Day |
| CalHFA/GSFA/AZIDA | 4-5 Business Days | 24-48 hrs | 24 hrs | 24 hrs | 24-48 hrs | 24 hrs | Same Day |
| FHA | 4-5 Business Days | 24-48 hrs | 24 hrs | 24 hrs | 24-48 hrs | 24 hrs | Same Day |
| PBSV/PBTS/PBEZ | 4-5 Business Days | 24-48 hrs | 24 hrs | 24 hrs | 24-48 hrs | 24 hrs | Same Day |
| VA | 4-5 Business Days | 24-48 hrs | 24 hrs | 24 hrs | 24-48 hrs | 24 hrs | Same Day |
| JUMBO | 4-5 Business Days | 24-48 hrs | 24 hrs | 24 hrs | 24-48 hrs | 24 hrs | Same Day |
| NON QM | 4-5 Business Days | 24-48 hrs | 24 hrs | 24 hrs | 24-48 hrs | 24 hrs | Same Day |
| HECM | 4-5 Business Days | 24-48 hrs | 24 hrs | 24 hrs | 24-48 hrs | 24 hrs | Same Day |
| HELOC | 4-5 Business Days | 24-48 hrs | 24 hrs | 24 hrs | 24-48 hrs | 24 hrs | Same Day |
We are an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program; or because you have exercised your rights under the Consumer Credit Protection Act.
Program rates and parameters are subject to change without notice, and may differ by geographic location. Turn times are estimates and not warranted or guaranteed. Restrictions may apply. This material is intended for use by industry professionals only, and not for distribution to consumers. This is neither a solicitation of an offer nor a commitment to lend. © 2019 Bay-Valley Mortgage Group, Inc. DBA Pacific Bay Lending Group and Valley View Home Loans. All Rights Reserved. NMLS # 192103. NMLS CONSUMER ACCESS. Licensed by the California Department of Real Estate and the California Department of Business Oversight.
"Loans made or arranged pursuant to a California Financing Law license."
