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Cary Pearce, (NMLS ID 353895)

Cary Pearce

Producing Sales Manager NMLS ID: 353895

5225 Canyon Crest Dr. Bldg 400, Suite 451

Riverside, CA 92507

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Buying a house means more than finding a place to live. It’s one of the biggest financial decisions you’ll ever make—but you don’t have to go at it alone.

 

As your home loan advisor, I am genuinely interested in your financial success. I want to listen to your story and understand your financial goals. From there, I can build a personalized mortgage solution for your unique needs. Flagstar Bank has more than 600 different home loans available, so we are certain to have the right mortgage for you.

 

With over 35 years of experience in home lending, Flagstar knows what it takes to get you to closing as quickly and as smoothly as possible. I will keep you informed every step of the way to give you peace of mind about your new home.

 

Whether you are moving around the corner or across the country, you can rely on me as a trusted resource. I have a deep understanding of the local housing market, and I can originate loans in all 50 states. After you buy your home, contact me when it’s time to refinance, remodel, or buy a second home. And if you’re an investor, I can build a competitive mortgage to finance your investment properties.

 

Contact me today to get started.

Mortgage Specialization

  • Jumbo Loans

Client Testimonials

Barbara H.
Working with Cary made the whole process efficient, quick, and thorough. He always, and I mean always, responded to my questions quickly. If I need another loan, or someone I know needs a loan, I will work with him again and recommend him to everyone.
Terri K.
Cary Pearce has helped us obtain mortgages/refinance for about 20 years. He always works to make sure our loans are at the best available rates, and he responds to questions quickly. In my opinion, obtaining a loan is as smooth and efficient as possible.
Douglas L.
Cary has handled multiple loans for my family and has been amazing. He and his team go above and beyond to make sure the home purchasing and refinancing we’ve done is as smooth as possible. Cary made sure to answer any and every concern along the way.
Roman R.
Mr. Pearce made my refinance process very quick and easy. He maintained professionalism and was always available when I had questions, even on the weekends.
Greg R.
I worked with Cary on a home loan and couldn’t have been happier. He was easy to work with and extremely fast to respond to questions. He worked to get the best available rate and put us in a position to enjoy our home for many years. Highly recommend!
Ashley P.
Cary was amazing. Any time I had a question, he would answer in a timely manner. The whole process was very smooth with him. I would highly recommend him.
Logan S.
Cary at Flagstar Bank made my home-buying experience as pain-free as possible. It amazed me how dedicated he was – even at 11 p.m. at night. Very dependable and alleviated the unnecessary stress of purchasing a home. 12 stars. Would recommend to anyone.
Karlyn C.
This is the second time we have called upon Cary Pearce. The first time was several years ago when we bought our home and then just recently for a refinance. We would recommend Cary to our family and friends anytime!
Dana W.
Cary and his team are professional, friendly, and detail oriented. They were great to work with and made the process simple every step of the way. Cary was extremely responsive to every message or question.
Gary J.
Cary financed our home originally and has processed two refinances for us. We trust him to be honest and forthcoming and to help us at every step of the way.
Angelica G.
Everyone was amazing!!
Aimee M.
I have known Cary for years now, and he has been my mortgage broker in the past. I HIGHLY recommend him!
Tamra G.
Thank you for making the refinance process easy, securing the best rate, and keeping my costs minimum. Your continuous communication made the process smooth. I also appreciate the assistance of your staff throughout the process.
Robert M.
I've purchased property before using Cary, which sometimes didn't make sense to me and was confusing. I can honestly say my experience with Cary with my last two deals through him has been unbelievably pleasurable. All I can say is thank you.
Gerry S.
Cary Pearce is a GREAT mortgage lender. Cary communicates clearly & consistently on your loan status, & that starts with your first phone call. You can trust Cary to help you make your best decisions in the mortgage market.
Steve M.
Cary Pearce - Great to work with. Took the time to understand our situation and worked out what we be best for us. Kept us informed and walked us through the process.
Kyle & Sandra S.
Summerville, SC
When our buyer backed out of their contract, we were still able to close on time! Cary has been the standard by which all other loan officers should strive to become. I would give Cary 22 stars in his communication acumen; he is that good!

What to Expect

We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.

Please select your lending process

Pre-qualify & Gather Financials

Submit your financial information and we'll give you a personalized estimate for your loan.

Pre-approval

Once you're pre-approved, we'll coordinate with the escrow or title company

Loan Review

Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.

Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

Close & Receive your funds

We’ll close your loan and wire your funds into escrow so you can complete your home purchase.

Loan Application

Complete a loan application online, and submit the necessary financial documents.

Appraisal

We'll conduct an appraisal of your property to determine its current value.

Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your funds.

Request a contact

Fill out the information below and I'll reach out to you shortly.

Cary Pearce

Producing Sales Manager NMLS ID: 353895

5225 Canyon Crest Dr. Bldg 400, Suite 451

Riverside, CA 92507

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Let's do the math (the easy way).

Use our home loan calculators to break down the costs of buying a new home.  How does a higher or lower down payment affect your monthly payment? Should you get a fixed or adjustable rate mortgage? Play around with different scenarios so you can make informed decisions about your home loan.

So, how does getting a mortgage work?

Buying a home is a big deal, and there are many ways to finance it. Understanding the basics of a home loan will get things off to a great start. Learn about the steps in the process, the paperwork you'll need, and what makes up your monthly payment.