Pacific Coast Mortgage
PO Box 2423
Morgan Hill, CA 95038
I love what I
A high priority in my job is to keep a lot of personal information private,
we do a very good job of this. Because I know so much about a clients personal and financial life,
I figure it's only fair to share some of my life with you; from painting cars, raising chickens, having been a power seller on eBay, shooting an amazing hook shot
that went viral on YouTube, to founding
my own company in a garage in San Luis Obispo.
I received my B.S. in Business Administration from Cal Poly, San Luis Obispo.
Graduated Cum Laude with a concentration in financial management.
My degree was
not a requirement of this industry, however, I believe it was instrumental in my growth as a professional. My clients have the comfort of knowing that I am very knowledgeable in the field of financial management. I was also a member of
Beta Gamma Sigma, an honors society for collegiate schools of business.
Aside from formal education, I started in the
mortgage business when I was sixteen processing loans. I received my
license a couple months before I graduated college and proceeded to get my
broker's license shortly after that and have been running PCMC ever since.
It was December of 2004, I was living in
San Luis Obispo and finding a job in a college town where there is lots of
cheap labor was not easy. So it was
time to start my own company. One of my best friends and I talked about a
name that would make sense, we love California and the west coast, so why
not go simple and Pacific Coast Mortgage Company was born. Another very good friend of mine helped with the logo design,
here are some of her
The final product turned out very nicely:
There are a lot of strange rules
starting/running a mortgage company and those rules have a
lot to do with pulling a consumer credit report. The
most difficult hurdle the bureaus put in place at the time was the need for separate
office space (a detached building, preferably commercial). I could not afford
to rent office space,
and needed to find something with a separate building for PCMC to grow. I
found a beautiful little condo off Bluebell Way that had a detached single
stall garage. It was perfect. Rented it with one of my best friends and we
got to work.
This company was created by someone that is very frugal and
likes to save money, what better business to get into where you get to help
people save thousands if not tens of thousands of dollars. It's a wonderful
industry and we plan on being around for some time to come.
Farming: Since I was a young boy I have always
Started raising them a little more
as I have grown up. I have hatched hundreds and given them away to friends and
family. Recently I have taken up
gardening and so far it has been very
productive, though the
are always the highlight. We have also had a few
turkeys over the
years. I do have a classic
John Deere lawn tractor that helps greatly with the operation.
Sports: I have always been involved in sports and
extremely competitive. I played soccer for 8 years and baseball for 12 and
continued playing baseball through my second year of college. I also enjoy
playing pool, ping pong, basketball, tennis and golf.
Fishing: I absolutely love fishing. I have made
numerous trips to the Sierras, a few to Montana and Wyoming and most recently,
New Zealand. I have just started salt water fishing but my passion is the
river. Nothing beats fishing a snow-fed mountain stream in the middle of summer.
Classic Cars: One of my passion is cars. I have
been working on them before I could drive. My first car was a 1967 Mustang. The
next project, a 1971 Dodge Challenger. That was my "baby" all the way through
college. I did the majority of the work myself with the help of some friends. We
did all the body work and painting in our garage. Pulled the motor out
ourselves, rebuilt it, and completely rewired the entire electrical system. That
was fun. Here are some before and after pictures:
Below is a picture of the '67 mustang. Unfortunately, the boy I sold it
to crashed it three weeks after he took possession. I didn't have a camera
in 1995 to take before pictures, but the Mustang looked just as bad as the
Challenger when I first got it.
here, to see a picture of me greased up working on a friend's
car back in 1999.
eBay: I have been a
member of eBay for well over 10 years now. I dealt mostly with small collectibles, as they
were much easier to ship. Check out
my rating with well over 2000
feedback. I have had a wonderful time within the eBay community and met a
lot of people from all over the world. Check out my
Recognition Program Certificate. I did eventually update my
user ID to mypcmc, mostly for SEO purposes.
NES: At one point in time I owned every original Nintendo
game made in the United States. Not only that, I also was able to acquire
every original box, manual, insert and map for each individual game, it was
a pretty impressive collection. Sold it all on eBay.
Because of the
extensive collection I ended up developing a price guide for all of the
original items. I don't know how popular it got, but still to this day I get
an email every so often asking for a copy of the file,
to see the entire list of items, it was last updated in 2002.
I have grown up a
little bit since my Nintendo and eBay days but acquired a rather interesting
skill over the years. Have you ever played horse (the basketball game where
you spell out H-O-R-S-E)? Having played since I was a child, I developed a
skill that helped me put away the competition: left-handed hook shots-
here if the video doesn't show above to see it on YouTube. Again, user ID was updated on YouTube to mypcmc for SEO
Like most people it
seems, I did get into photography for a little while. Here is a sample of
some of the pictures I took over the years:
There is a lot more to share, in time. As mentioned above,
a client's anonymity is the most important part of my job but knowing your
broker is an important part of your job when working with someone in this
business. You need to trust that person, and if you don't, I would strongly
suggest working with someone else.