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Loan Advisor

Paul Stella

NMLS #241504 | BRE #1463818

Loan Advisor • Walnut Creek Branch

Phone: 415.857.5626
Cell: 415.310.3532
Fax: 925.369.7341
Licensed in CA

About Paul

I’m Paul Stella, Senior Mortgage Consultant with American Pacific Mortgage helping SF Bay Area residents make successful, life-changing real estate finance decisions. With Eagle Scout integrity I find competitive loan opportunities available for my clients, pay attention to the details and keep my clients in the loop with clear and honest communication. 

Branch Address: 1777 N. California Blvd Suite 100, Walnut Creek, CA 94596

See what my customers are saying...

Paul Stella is an outstanding Mortgage banker and I have over a decade of working with him to back my perspective. His focused and caring attitude towards his clients is a distinguishing attribute, which sets him apart from others. He begins by learning what is important to you as a client of his and what YOU want the outcome to look like. Then he matches you with the best financial products that will help you achieve your goals. Once you have an accepted offer, then the real work begins and he manages each details and helps demystify the process, thereby removing the stress for his clients every step of the way. 

He is witty, smart, kind and sincerely cares about his clients. For nearly a decade I have referred my clients to Paul and have used him for my own family's personal mortgage needs. If you want an advocate and experienced mortgage banker on your-side, look no further. I highly recommend working with Paul Stella.

Marcus Miller, MA - Real Estate Broker

Paul Stella, 

Hardworking, Direct, does what he says he going to do. Working with Paul professionally I cannot ask for a better person to send my clients to. Working with him as a client, he was able to close my loan quickly and he made sure I was able to get the best rate for the day. I am happy to recommend and work with Paul Stella.

Tommy Gallegos - Realtor and Client

Besides being an all around great guy Paul really knows his way around the mortgage business. Getting a good loan is very difficult for self-employed person such as myself but Paul was able to secure us a great refi loan and helped us through the whole process. Can't express how much we are happy. Thanks Paul!

Garth Jordan - Business Owner

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Suits Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide between various loan options.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Home Buyer Blog

Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer may stand out in a competitive market. Keys on Time Guarantee Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Secure Lock Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Investor Advantage gives you purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing