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South Pacific Financial

SPFC has completely reinvented itself with the addition of John Johnston as President. Since joining the company John has gathered and honed an exceptional pool of talent from both inside and outside the organization, across all business units. A gifted leader with a comprehensive understanding of the business, John has created the platform for unparalleled yet responsible growth.

Trust is the foundation of our relationships. Our core values are to do what is just, right and fair for our customers, employees, and business partners, while trusting them to do the same in return. We operate as a learning community, fostering a collaborative environment of life long learning and shared knowledge. As a learning community, we have incorporated a series of best practices to build a strong foundation and a sound financial legacy.

Founded in 1982 by Tim Cahill, South Pacific Financial Corporation (SPFC) is a California based, Retail Only mortgage banking platform operating throughout the western United States, including Arizona, California, Colorado, Idaho, Oregon and Washington. As a direct lender, SPFC offers Conventional, Jumbo, FHA, VA, USDA and various bond programs including CalHFA and CHF Access.

SPFC is focused primarily on serving the purchase money market. By employing a consistent approach to underwriting we are well positioned to meet the challenges presented by market events and cycles.


  • Long-term, impeccable industry reputation
  • Approved with FNMA, FHLMC , GNMA, FHA , VA, RHS and CalHFA
  • Experienced Professional Underwriters (average 15 years)
  • 85% Purchase Money

For great rates and great service you can trust, South Pacific Financial is the right place for you!

South Pacific Financial believes that trust is the foundation for effective relationships. We are successful in earning trust by consistently treating our customers, business partners, employees and their families in a manner that is just, right and fair.

We understand how important each step in the home loan transaction is - from finding the best rate to closing on time. We offer a diverse array of mortgage loan programs, including Conventional, Jumbo, FHA, VA and USDA loans at competitive rates. We also specialize in down payment assistance programs for first time low-to-moderate income buyers. Our experienced loan specialists are uniquely qualified to help you find the right financing for your home.

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