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  • Home
  • Buying a Home
  • Refinancing
  • Learn the Process
  • About Emma
  • Blog
  • Resources
    • Mortgage Basics
    • Mortgage Calculator
    • Mortgage Loan Programs
      • Conventional Home Loans
      • FHA Home Loans
      • VA Home Loans
      • Jumbo Loans
      • Non-QM: ITIN
      • Bank Statement Mortgage Loan
      • P&L Mortgage Loan
      • DSCR Mortgage Loan
    • First-Time Homebuyer Guide
    • Pre-Approval Document Checklist
    • Protect Your Pre-Approval
    • FAQ
  • Contact

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  • Home
  • Buying a Home
  • Refinancing
  • Learn the Process
  • About Emma
  • Blog
  • Resources
    • Mortgage Calculator
    • Loan Programs
      • Conventional Loans
      • FHA Home Loans
      • VA Loans
      • Jumbo Loans
      • Non-QM: ITIN
      • Bank Statement
      • P&L
      • DSCR
    • Loan Process
    • Mortgage Basics
    • First Time Homebuyer Guide
    • Pre-Approval Document Checklist
    • Protect Your Pre-Approval
    • FAQ
  • Contact
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I Make it Simple

Our interactive App helps guide you through the many parts of the home buying journey and your mortgage financing.  The App helps keep you, your loan officer, and realtor connected and in sync with each other.  It helps all of us work together to make the process smooth and easy.

Access the App

Contact Emma

530 East Main Street
Santa Maria, CA 93454

136 Bridge Street Street, Suite B
Arroyo Grande, CA 93420

Phone: (805) 714-4794

ECavazos@PacificCoastMortgageGroup.com

Hablo Español

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Resources

  • Mortgage Basics
  • Mortgage Calculator
  • Mortgage Loan Programs
    • Conventional Home Loans
    • FHA Home Loans
    • VA Home Loans
    • Jumbo Loans
    • Non-QM: ITIN
    • Bank Statement Mortgage Loan
    • P&L Mortgage Loan
    • DSCR Mortgage Loan
  • First Time Homebuyer Guide
  • Pre-Approval Document Checklist
  • Protect Your Pre-Approval
  • FAQ

Disclaimers

  • Legal
  • Privacy Policy
  • Accessibility Statement
  • Site Map

About

With 19 years of experience in the industry, Emma can provide thoughtful guidance and personalized solutions.

Company NMLS: 1877060
Personal NMLS: 922617

NMLS Consumer Access

Copyright 2026 - Emma Cavazos and Pacific Coast Mortgage Group. All Rights Reserved.
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