Ricardo, Thank you for your professionalism and expert advice. I highly recommend Ricardo and his team for all your mortgage needs. He helped me close on a cash out jumbo investment refinance and lowered my rate and payments too ! He is the man to call for any mortgage needs. I will refer all my family and friends to him ! thanks Ricardo

Oakland, CA

Ricardo was amazing he helped get us an amazing rate using my husband's VA loan benefit on our first home ! We highly recommend him for any loan need!

Becca and Chris
Sacramento, Ca

What a great experience in our refinance process , Ricardo explained everything and delivered what he offered! We closed quickly and paid off all our debt ! Thanks Ricardo

Mark and Liz

Ricardo has helped us with many loans and everytime he exceeds our expectations ! We highly recommend him !


Ricardo , Thank you for helping me with my investment property refinance when everyone else said no . You are amazing and great at what you do. Thank you for the outstanding service and attention to detail in closing my loan quickly and for the help in obtaining a great loan and the cash out that I needed. I highly recommend you call Ricardo for all your mortgage needs. Thank you, Shaheen

Los Angeles

Ricardo and his team were amazing , with our devastating loss of our home in Paradise from the fires. They treated us special and professional we have never had an easier loan process and great service. We truly felt the love from Team Pacheco ! You got to call Ricardo for your mortgage needs true professional .

Dave and Sharee
Forresthill, CA

Ricardo at AFC 360 , Thank you for the 5 Star Service, your team's follow-up and hard work to close this loan for me and my wife was so refreshing to know you care so much . We are so happy with the VA loan you gave us with a great low interest rate! We will let all our friends and family know you are the man ! Semper Fi Randy

Randal and Janet
Elverta, CA

We highly recommend Ricardo and his team, he was able to help us twice the first time buying our home and this most recent time to get a VA cash out refinance to consolidate debt and save us a lot of money on interest and they even closed quickly. AFC 360 is a great mortgage company with outstanding 5-Star customer service ! You have to call Ricardo for any mortgage needs - he will work hard for you! Best regards, Dan and Patty

Dan and Patricia
Elk Grove

What an amazing experience working with Ricardo Pacheco at AFC 360 . We will refer all our friends needing expert advice and a great loan. Thank you for helping our family with a VA loan. Mike and Ash

Michael and Ashleigh
Elk Grove

Ricardo , Thank you for the outstanding service you provided on my VA loan purchase , your expertise and attention to detail really made this stressful process so much fun. I will let all my family and friends know about you. Thank you from a submariner sailor to a great marine veteran ! Semper Fi ! Tommie


Ricardo, Thank you for always helping me on my mortgage loan needs. I am so glad you are my loan guy for me and my family! Thanks for the outstanding service and great loan. I highly recommend Ricardo for any mortgage advice. Sincerely, Jerry B

Sacramento , CA

Ricardo has helped me and my family with several loans! By far the best loan officer I've ever worked with. He is trustworthy , has become a good friend and will always be my guy on mortgage advice ! You have to call him he will help you.


Ricardo , thank you for your professional and kind guidance in helping us buy our first home! We will refer all our friends to you and again thank you for your help on our VA loan. Semper Fi , Don and Judy

Don and Judy
Elk Grove

Great loan officer and professional and considerate person, he truly cares for his customer and will always give his all to help. I highly recommend Ricardo if you need a mortgage loan he is the one to call and trust ! Thanks for helping me

Mike O