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Cary Pearce, (NMLS ID 353895)

Cary Pearce

Branch Manager | Mortgage Advisor

NMLS ID: 353895

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

Apply Now Contact me

7111 Indiana Avenue, Suite 200

Riverside, CA 92504

About Cary Pearce

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 nearly every situation.

 

With over 30 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

Languages Spoken

  • English

Client Testimonials

Hear what my previous clients have to say about my work.

Terri K.
“Cary Pearce has helped us to obain 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. Him 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. Anytime 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 pm at night. Very dependable that 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. The 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. ”

Why Flagstar

Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
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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

Use left and right arrows to navigate between tabs.

STEP 1

Pre-qualify & Gather Financials

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

STEP 2

Pre-approval

Once you’re pre-approved, we’ll coordinate with the escrow or title company.1

STEP 3

Loan Review

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

STEP 4

Loan Approval

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

STEP 5

Close & Receive Your Funds

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

 

1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.

STEP 1

Loan Application

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

STEP 2

Appraisal

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

STEP 3

Underwriting Approval

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

STEP 4

Loan Signing & Funding

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

Financial Calculators

If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.

Monthly Mortgage Payment Calculator
Cary Pearce, (NMLS ID 353895)

Cary Pearce

Branch Manager | Mortgage Advisor

NMLS ID: 353895

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

Apply Now Contact me

7111 Indiana Avenue, Suite 200

Riverside, CA 92504

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Cary Pearce, (NMLS ID 353895)

Cary Pearce

Branch Manager | Mortgage Advisor

NMLS ID: 353895