Pacific Home Brokers

What Pacific Home Brokers does

Pacific Home Brokers Inc. is a privately held California real estate brokerage founded in 2015 and headquartered in La Jolla, with offices and mailing addresses also in Encinitas and Oceanside. The company provides full-service residential buyer and seller representation across major California markets including San Diego, Los Angeles, Orange, Riverside, San Francisco, Monterey, and Sacramento. It holds a California Department of Real Estate license (#02012912) and an NMLS license (#1569054), enabling both brokerage and in-house mortgage origination services.

The product portfolio combines traditional real estate services with integrated financing. Core offerings include buyer and seller representation, MLS-based home search, a home value map for comparable-based valuations, and a suite of mortgage products (fixed-rate, FHA, VA, jumbo, ARM, and down payment assistance). The technology stack is a WordPress-based platform with MLS integration, an interactive mortgage calculator, and a prequalification/e-signature workflow powered by the third-party WP E-Signature by Approve Me plugin. Separate password-protected Agent Resources and Loan Officer Resources portals house company policies, procedures, and training materials integrated into independent contractor agreements.

The business model is a 100% commission agent structure under which licensed real estate agents and loan officers retain all commissions earned, with the brokerage facilitating transactions rather than collecting traditional commission splits. Customer segments are residential: first-time home buyers, real estate investors, and home sellers, served primarily through the company website (SEO/organic search), a dedicated agent recruitment site (true100commission.com), and agent-driven referrals. The company is independent, founder-led, with 11-50 employees and no disclosed institutional ownership, funding, or M&A activity.

Name

Pacific Home Brokers

Legal name

Pacific Home Brokers Inc.

Website

https://www.pacifichomebroker.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Pacific Home Brokers is a privately held California real estate brokerage offering residential buyer and seller representation, MLS-based home search, and in-house mortgage origination. It serves first-time buyers, investors, and sellers statewide under a True100 Commission agent model from its La Jolla headquarters.

Ownership category

akta.pro rank

Product category

Residential Real Estate Brokerage

NAICS

Offices of Real Estate Agents and Brokers (53121), Mortgage and Nonmortgage Loan Brokers (522310), Offices of Real Estate Agents and Brokers (531210), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Real Estate Agents & Managers (For Others) (6531), Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Traditional Residential Brokerage (Existing Homes) (BPAJAAAA)

akta.pro secondary industries

Buyer Representation Services (BPAJAAAJ), Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA), Residential Investment Property Brokerage (SFR/Small Multifamily) (BPAJAAAE), Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

Keywords

• Residential real estate brokerage
• Buyer representation services
• Seller representation services
• Mortgage loan origination
• Home valuation tools

Headquarters

HQ city

La Jolla

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Real Estate Commission: The company operates on a 100% commission model where agents retain all commissions from transactions. The brokerage facilitates real estate transactions and earns revenue through agent production without commission splits.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Pacific Home Brokers is a California residential real estate brokerage that provides buyer and seller representation, MLS-based home search, home valuation tools, and integrated in-house mortgage financing services. The firm also operates a True100% Commission agent model under which agents retain all transaction commissions without high splits or mentorship fees, supported by dedicated agent and loan officer resource portals.

Product overview

Pacific Home Brokers is a California real estate brokerage offering a comprehensive suite of integrated services centered on residential property transactions. The company operates as a single integrated platform combining buyer and seller representation, MLS-based property search, home valuation tools, and in-house financing services. The product portfolio includes core real estate services (buyer/seller representation, home search via MLS, home value mapping), mortgage financing products (fixed-rate, FHA, ARM, VA, and jumbo loans plus down payment assistance), and supporting digital tools (mortgage calculator, e-signature prequalification platform). The company distinguishes itself with a True100 Commission model allowing agents to retain full commissions. Agent and loan officer operations are supported through separate WordPress-based resource portals with company policy integration.

Differentiator

Problem solved

Functional benefit

Products and services

• Buyer Representation Services Full-service real estate agent representation for home buyers, guiding clients through the entire purchasing process from initial property search through closing. Service is targeted at individual home buyers across California.
• Seller Representation Services Professional representation for home sellers including market pricing analysis, marketing strategy, offer negotiation, and transaction management through escrow. Targeted at California residential property owners.
• Home Search (MLS Access) Property search platform providing access to the Multiple Listing Service (MLS) with real-time property listings across California markets including San Diego, Los Angeles, Orange, Riverside, San Francisco, Monterey, and Sacramento.
• Home Value Map Property valuation tool providing comparable property valuations and home value estimates based on local market data for specific areas.
• Fixed Rate Mortgages Fixed-rate mortgage loans where payments remain constant over the entire loan term, enabling predictable monthly budgeting for borrowers.
• FHA Home Loans Federal Housing Administration insured loans featuring 3.5% down payments, low closing costs, and flexible credit qualification requirements for eligible borrowers.
• Adjustable Rate Mortgages (ARM) Variable-rate mortgage loans with lower initial interest rates and payments, suitable for buyers planning to move or refinance within a few years.
• VA Loans U.S. Department of Veterans Affairs backed loans allowing qualified veterans to purchase homes without down payments and with flexible qualification guidelines.
• Jumbo Home Loans Non-conforming mortgage loans exceeding Fannie Mae and Freddie Mac loan limits for high-value residential property purchases.
• Down Payment Assistance Programs Assistance programs through local and state agencies that help buyers who qualify for loans but lack sufficient down payment funds.
• Online Prequalification and E-Signature Platform Online prequalification application with WP E-Signature by Approve Me for secure document signing, enabling borrowers to complete loan applications and credit authorization electronically.
• True100 Commission Agent Program 100% commission agent program allowing real estate agents to retain all their commissions without higher splits or mentorship fees, designed to support new licensees and serve as a recruitment and retention offering.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Recent moves6 records

Direct peers

• eXp Realty: Cloud-based residential brokerage operating a high-commission, agent-centric model with nationwide reach including California. Directly comparable to Pacific Home Brokers on the 100% commission positioning and independent-contractor agent structure, though at vastly larger scale.
• HomeSmart: Discount residential brokerage known for high agent commission splits and a national footprint with strong California presence. Directly comparable on commission-structure innovation targeting agents, and similar in offering ancillary mortgage and title services.

Broad incumbents

• Compass: Large technology-driven residential brokerage headquartered in the U.S. with deep California operations. Competes for the same buyer/seller and agent pool but with materially greater technology investment, marketing budget, and agent headcount.
• Redfin: Tech-enabled residential brokerage and mortgage originator serving major California metros. Comparable in combining brokerage with mortgage origination, but differentiated by direct-to-consumer technology and salaried agent model.
• Keller Williams Realty: Largest U.S. residential brokerage by agent count with substantial California operations. Comparable on full-service residential representation and agent-centric culture, though operating on a traditional profit-sharing/cap model rather than 100% commission.
• Coldwell Banker: Long-established national residential real estate franchise with significant California market share. Comparable in providing full-service buyer/seller representation and affiliated mortgage services, but distributed through a franchised model.
• RE/MAX: Globally franchised residential brokerage with strong independent-agent culture and high commission splits. Comparable to Pacific Home Brokers on the high-commission, agent-autonomy positioning, but with substantially larger brand and geographic reach.

Emerging players

• Rocket Homes: Real estate brokerage affiliated with Rocket Mortgage, combining agent services with a large in-house mortgage platform. Comparable to Pacific Home Brokers' integrated brokerage+mortgage model but with vastly greater marketing reach and lead-generation infrastructure.
• Better.com: Digital mortgage originator that has expanded into direct real estate services. Comparable on the integrated home-purchase-plus-financing value proposition Pacific Home Brokers offers, though Better operates as a direct-to-consumer digital lender rather than via a commissioned agent network.
• loanDepot: Large U.S. mortgage originator with retail and joint-venture channels and California headquarters. Comparable to Pacific Home Brokers' in-house NMLS-licensed lending arm on product breadth (conventional, FHA, VA, jumbo), though loanDepot operates at far greater scale without an attached brokerage.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pacific Home Brokers