Charter Pacific Lending Corp. is a privately owned mortgage company serving the Southern California region since 2002. The founder and top advisor, Babak Moghaddam has been opening doors to home buyers since 1989 and he is dedicated to making home financing a simple, efficient process.

At Charter Pacific Lending Corp we like to do things a little differently than other mortgage providers. Our team works with you as financial advisors, because we have come to realize that a mortgage is a very powerful financial tool. And just like any other financial tool, it should be managed as part of your overall financial management plan to reach your long and short-term financial goals much faster. So we feel it is our responsibility to help you build a Strategic plan that will allow accelerate your financial growth. We do this through a process we have developed over time called our Strategic Financial Management Program.You see, the reality is that the decisions you make in this process will have a significant impact on your ability to reach your financial goals, both now and well into the future. So the first step in our Strategic Financial Management Program is the strategy session appointment, where we will show you how a number of powerful financial concepts should affect your mortgage decision. And then we will show you a few different options in writing and help you set up your plan.

With a variety of loan programs and an established network of wholesale lenders behind us, we will find the loan that best suits your needs, at a very competitive rate. We offer conforming, non-conforming and government loan programs.

The door to home ownership can be tricky. It pays to have the right keys. The professionals at Charter Pacific Lending Corp. have the experience, knowledge and resources to help you open that door.

  • This was our first time buying a house, and we feel so fortunate to have had Babak on our side helping us through the experience and quickly answering any questions we had along the way. Escrow was completed in less than 30 days and the entire process went very smoothly. Babak went above and beyond in walking us through every stage of the process, helping us prepare and know what to expect.–Anne Uemura

  • Pacific Lending Corp. is AWESOME! Babak guided me every step of the way in being a first time buyer. The ladies in the office are also wonderful, they were always available whenever I needed them for any question I had in my home buying process. Everyone one is honest and reliable and has continued to be there and answer any question I have even up to today. –Cindy Deaver

  • We have been working with Babak and Charter Pacific since 1994. Babak has helped us buying 2 homes and refinancing our mortgages several times over the course of 20 years. Babak and his team are very professional, very honest and very knowledgeable about the real estate market and all related aspects. –Said Kazemi

  • Babak was recommended to me by my real estate agent and I have refinanced with him three times over the last seven years. Each time he worked with me in a very professional manner and provided prompt, patient service. He is very knowledgeable about industry rates and products and I always felt I had a good deal after working with him. –Ron Crostwaite

  • Babak and his team were excellent. From beginning to the end, my husband and I felt informed and involved. Babak also went the extra mile to come up with creative ways so our mortgage would become more manageable. As first time homebuyers, we were happy to have him on our side and to help guide us through, sometimes overwhelming, process. We highly recommend him to our friends and family!–Sheila Witt