Palacios Capital Co LLC | Mortgage & Lending Solutions
Newport Beach, California · Licensed Mortgage Lending

Real guidance.
Real results.
Your future home.

At Palacios Capital Co LLC, we believe every client deserves more than a loan — they deserve a trusted partner who understands their financial picture, explains every option clearly, and stays with them from application to closing.

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100% Client Satisfaction
CA Licensed in California
1–1 Personal Attention
Fast Pre-Approvals
Newport Beach luxury home
Newport Beach, CA 92660
Who We Are

We take your finances personally.

Palacios Capital Co LLC was built on a simple belief: that financial guidance should feel like a conversation with someone who genuinely cares about your outcome — not a transaction with a faceless institution.

We sit down with every client, learn their full financial picture, and build a lending strategy around their real goals — whether that's a first home, a lower monthly payment, or a growing investment portfolio. We explain every number, every option, and every step in plain language.

This is personal finance done personally.

One-on-one attention from inquiry to closing
Honest advice — even when it's not what you expected
We explain rates, terms, and costs in plain language
Your financial goals drive every recommendation we make
What We Offer

Lending solutions
built around you.

From home purchases to refinancing and investment properties, we offer a full suite of mortgage solutions for California buyers and investors.

01

Home Purchase Loans

Personalized mortgage financing for first-time buyers and experienced homeowners. We find the right structure and rate for your situation.

02

Refinancing

Lower your rate, reduce your term, or access equity. We walk you through every option and help you decide what makes the most financial sense.

03

Investment Property Loans

Expand your real estate portfolio with tailored financing solutions built for rental properties and investment acquisitions.

04

Consultation & Pre-Approval

Understand your buying power before you search. Fast, clean pre-approvals backed by expert mortgage guidance at every step.

05

Loan Structuring

Strategic loan structuring to strengthen your offer in competitive markets and position you for long-term financial success.

06

Ongoing Client Support

We stay available well beyond closing — proactive updates, timely communication, and support whenever you need us.

The Process

Three steps to your next home.

We simplify a complex process into a clear, guided experience from start to close.

I

We Listen First

Every financial situation is different. We start with a real conversation — no scripts, no pressure. You tell us your goals, your timeline, and your concerns. We build the strategy from there.

II

We Handle the Heavy Lifting

Mortgage paperwork is complex — but that's our job, not yours. We guide you through every document, explain what you're signing and why, and keep you updated throughout the process.

III

You Get the Keys — and a Partner

A smooth, organized closing is our standard. And when it's done, we're still here — for future questions, refinancing opportunities, or whatever your next financial chapter looks like.

Common Questions

Frequently asked.

What types of loans does Palacios Capital Co LLC offer? +
We offer home purchase loans, refinancing, investment property financing, and loan consultation and pre-approval services — all personalized to your specific financial situation and goals.
How do I know how much I can borrow? +
Your borrowing capacity depends on your income, credit score, debt-to-income ratio, and the loan type. We offer fast, no-obligation pre-approvals so you understand your buying power before you search.
What documents will I need for a mortgage application? +
Typically: proof of income, recent tax returns, bank statements, government-issued ID, and information about existing debts and assets. We'll guide you on the exact documents needed for your loan type.
How long does the mortgage approval process take? +
It varies based on loan type and your financial situation — typically a few days to a few weeks. We prioritize speed without sacrificing thoroughness and keep you informed throughout.
Will I receive text messages after submitting the contact form? +
Only if you opt in. Our contact form includes two separate, clearly labeled, unchecked SMS consent checkboxes — one for marketing messages and one for service-related messages. You may select one, both, or neither. SMS consent is never required to apply or receive our services. You may opt out at any time by replying STOP.
How do you help me find the best rate? +
We don't just show you one rate — we shop your profile across multiple loan products and explain the real cost differences between options. A lower rate doesn't always mean a better loan. We look at APR, closing costs, loan structure, and your long-term goals together to find what truly makes the most financial sense for you.
Will I receive text messages after submitting the contact form? +
Only if you choose to opt in. Our contact form includes two separate, clearly labeled SMS consent checkboxes — one for marketing updates and one for service-related messages like appointment reminders and loan status updates. Both checkboxes are unchecked by default. You select what you want, or nothing at all. SMS consent is never required to apply or receive our services. You can opt out at any time by replying STOP to any message.
Do you serve clients outside of Newport Beach? +
Yes. While we are based in Newport Beach, CA, we proudly work with clients throughout California — from first-time buyers in the Inland Empire to investors building portfolios across the state.
Compliance

Our SMS Program

A2P 10DLC Compliant
Program NamePalacios Capital Co LLC SMS
Message TypesMortgage consultation confirmations, appointment scheduling & reminders, loan status updates, responses to inquiries, marketing & promotional updates (for opted-in contacts only)
Message Frequency1–4 messages per consultation or loan request; varies by interaction
Who Receives SMSOnly individuals who explicitly opt in via our website contact form
RatesMessage & data rates may apply
Consent Required?Optional — unchecked opt-in checkboxes on form. Never a condition of purchase.

How Consumers Opt In

1 · Visit website
→
2 · Fill out contact form
→
3 · Check unchecked SMS box(es)
→
4 · Submit form
→
5 · SMS begins
Opt-Out / Help: Reply STOP to any message to unsubscribe. A confirmation will be sent and no further messages will be delivered. Reply HELP for assistance or contact [email protected] or (949) 278-9794. Carriers are not liable for delayed or undelivered messages. SMS opt-in data is never shared with third parties for marketing purposes.
Get In Touch

Let's find the right loan for you.

Every inquiry is handled personally — not by a bot or a call center. Fill out the form and we'll reach out to you directly, usually within one business day, to start a real conversation about your goals.

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Address301 Bayview Cir, Ste 104-2339
Newport Beach, CA 92660
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Phone(949) 278-9794
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Email[email protected]

Start Your Application

📋 SMS Consent — Optional

SMS consent is optional and not required to submit this form or as a condition of any purchase or service. You may opt out at any time by replying STOP. Carriers are not liable for delayed or undelivered messages.

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Thank you for reaching out.

We've received your application and will be in touch personally — usually within one business day.