Pacific Mortgage Services, formerly Atlantic-Pacific Mortgage Services, originated in California near the Pacific Ocean in 2001 and has expanded its territory to originate loans* in 32 states and now headquarters in S. Carolina.

Founders and Brokers, Ralph & Jayne Stephenson call themselves The Mortgage Doctors who treat and cure symptoms of interest rate-itis.  “With the media feeding the consumer with information that has just enough information to be dangerous – we believe providing borrowers with a solid no nonsense SECOND OPINION to their finance venture is our ethical duty.”

Ralph has been a business owner for over 30 years beginning in the mortgage lending field in 1997.  His strong interest in this field as well as his enthusiasm and zest to right the wrongs in life – inspire him to educate consumers when they are shopping for their loans.   His wife, Jayne, has partnered with him in the Real Estate market and mortgage lending since 2001.  Jayne’s background is strong in public relations, marketing/networking, teaching and managerial.  She is actively involved in community projects, organizations and an advocate for the elderly, developmentally disabled and various fundraising foundations.  Together they team to promote the finest in mortgage lending services with an emphasis on customer service.   

Pacific Mortgage Services saves on overhead and passes that savings onto the borrower in the way of lower interest rates and reduced fees. “We believe that word of mouth is the best form of advertising so we have directed our advertising dollars to directly benefit our clients.  We want their referrals so by giving them the best rates and fees and then awarding them a Carnival Cruise (see info on Gift at Close for details) vacation that will give them memories to last a lifetime, we trust they will think of us when they hear someone is looking for financing.  Treat people right and they will remember you”.  Let Ralph and Jayne, help YOU obtain the AMERICAN DREAM.

“From coast to coast – East to West – Pacific Mortgage Services are the best”