Pegasus Financial and Insurance

We Give You More Control and Confidence on Every Loan.
Pegasus Financial and Insurance is making a huge impact on the new-home market by doing things that many thought were impossible. Our commitment to provide the smoothest, fastest and easiest loan process has created one of the most innovative financing programs in the home building industry; one that gives you far more control your buyers' loans by working through a single source you can trust with one of the highest capture rates in the business that's completely dedicated your unique needs.

Hard to believe? Not when you've seen us in action.

Specializing in Builder Business
Our Executive Loan Teams (ELT's) are dedicated to delivering loans and business to you at the highest levels of service and commitment.

We start by hiring the best, Many of our loan officers are ranked in the 100 nationally, and have worked exclusively with builders. All our teams are required to have consistent sales experience of over $25M a year and meet the highest quality standards for sales, service, personality and knowledge. They're a solid, smart, dedicated group of people, specializing solely in the builder business, and completely focused on understanding your specific needs to help you move your inventory faster than ever before.

Experts in New-Home Financing
Our owners and agents are experts in new-home financing. And we've worked with builders of all sizes throughout California. Our experience starts at the top with our CEO Dan Selis' extensive track record in the new-home construction loan business. As our principal, Dan works hands-on with your company to find creative financing solutions that enable all of us to meet your sales goals and keep your clients satisfied with their buying experience.

We're a Mortgage Broker and a Mortgage Banker
Pegasus Financial and Insurance has the unique ability to be both a mortgage broker and a mortgage banker for your buyers. We can shop all of the loans on the market to give your customer the widest choice of products. And because we're also a mortgage banker, we can fund the loan ourselves on the spot, no waiting! In fact, we can deliver most home loans in less than five days.

Fast Approvals. Instant Funding
At Pegasus Financial and Insurance, your buyers are pre-approved up-front at the time of application, so you'll know immediately if they are qualified.

Unlike the slow, balky loan process of most lenders, our Executive Loan Teams work closely with your sales agents to ensure a smooth, coordinated sale. And since we have the ability to underwrite and fund loans at our local offices, we open and close most new-home loans in a remarkable five days or less.

Our commitment to service also guarantees that our loans fund on time. So we'll pay to carry your cost. And if a challenge presents itself, we overcome it, because our loyalty is to you.

The Best Onsite and Online Service in the Business
We're different from traditional bankers. We not only give you outstanding personal service, we also give you complete access to up-to-date loan information through our web site. Our experienced loan agents can also assist your onsite sales force with marketing materials and sales support at your special grand-opening events.

We Cut Through the Red Tape
Our service and response time is excellent because we know that making money depends on how we serve you and your customers. Our goal is to make your job easier by removing the red tape from the process. And it's how we've become one of the most innovative leaders in the mortgage industry.

The Hassle-Free Mortgage
For a consumer, obtaining a home loan can feel overwhelming. Without extensive knowledge and experienced assistance, obtaining a mortgage can be difficult, stressful and time-consuming. At Pegasus Financial and Insurance, we make sure that obtaining a mortgage isn't a test of your customer's will to survive. We make it a quick, painless process. And our knowledge of both newly-built and existing homes is unsurpassed. Our ability to truly listen to the needs of your customers is our strongest asset.

We'll work hand-in-hand with your onsite sales agents to present an
appropriate financing package that compliments your sales program.

We're Building on the Power of the Internet
The mortgage industry is currently undergoing major changes, with technology quickly paving the way towards faster and less restrictive lending practices. For Pegasus Financial and Insurance, the Internet provides the means for fast and convenient access between borrowers and lenders. Borrowers can fill out a loan application on their computer at home, in your sales office after agreeing to an offer, or with one of our experienced loan agents, obtain a loan approval in as little as one day, and move into their new homes within one week.

Using the newest technology is just one of the many ways we provide the best possible service for our customers and yours.

Our Creative Financing Options Sell Your New Homes Faster
Our builder programs are designed especially to help you reduce your risk and sell more homes, more quickly.

Extended Rate Cap Program protects your unfinished inventory up to 12 months
Bulk Forward Commitments protect your inventory against rising rates for up to 12 months

Pegasus Financial and Insurance also offers a number of Buyer Financing Programs:

No Condo Pre-Sale Requirements helps finance initial buyers in your condominium or PUD Project.
Title One Home Improvement Loans assist your buyer in getting some additional cash for landscaping in new developments or other home improvements. This helps to increase the appeal and value of your subdivision.
Combined First and Second Mortgage programs can help your buyers avoid mortgage insurance premiums and higher jumbo pricing.
A Variety of Conventional and Non-Conforming Loans including fixed and adjustable-rate mortgages at very competitive rates.

Our Record of Success Will Help You Make Your Own.
Our unique methods of connecting with individual home buyers helps us achieve an amazingly high capture rate, which maximizes your control over the process by minimizing your problems with outside lenders.

Here's just a partial list of our accomplishments:

Highlands Ranch San Diego, CA
As the project's exclusive lender, we achieved an 85% capture rate in 900-home community.

Sandlewood Encinatas, CA
This 90-home community greatly benefited from our 85% capture rate.

Canterbury Carlsbad, CA
With over a 90% capture rate in this 140-home community, our lending policies made the buying process a snap.

Bolero Chula Vista, CA
Our capture rate on this 90-unit project was outstanding over 90%.

Kensington San Diego, CA
In this 90-home community, our average capture rate was hardly average; it was over 85%.

Members of our Executive Loan Teams have worked with major builders from all over California. Here are just a few of them:

Toll Brothers
Reliance
Holiday Development
Taylor Woodrow
Shea Homes
Seris Regis
Pardee

Pegasus Financial and Insurance's high capture rate means that you interact with far fewer companies to close escrow. And that makes your job faster, easier and more streamlined than ever before.

All Our Services are Fee-Free To You.
At Pegasus Financial and Insurance, we believe in true business partnerships. That's why we don't charge any fees to our business partners for our services. That's not to say we work for free, it's just that we're not paid by you, but by lenders for bringing them business.

Streamlining Fannie, Freddie and both As.
We've eliminated the red tape most often associated with Fannie Mae, Freddie Mac, VA and FHA project approvals because we do the work for you. Our goal is to help you move your inventory as fast as possible by increasing your pool of qualified buyers.

If you're not sure you need lender project approval, please don't hesitate to call and discuss your project with our CEO, John Kim, or send him an email at jkim@pegasusfni.com.

Call Pegasus Financial and Insurance First and Get Started Fast.
Here's how we work:

To assist in simplifying the process for you, a project specialist will be assigned to serve as a single contact point between you and all agencies.
Your project specialist will determine all the items and documents
required for the various approvals. Once provided, you can step aside and let our approval specialist handle the paperwork.
To help you to determine appropriate approvals to maximize your
eligibility for financing options, we work with you throughout the entire construction process, handling the nuts and bolts of project approval for you every step of the way.

At Pegasus Financial and Insurance, we've got one goal: to make it faster, easier and more convenient for you to move more people, into more new homes.

Feedback • Privacy Policy