Pacific Mortgage Consultants

“Des was great to work with in financing our new mountain home.  He is professional, knowledgeable and organized!  He did an outstanding job in providing us with the best loan and is obviously well respected by his lenders.  We would certainly work with him again.”
- Janet and Bob, Kentfield CA – Tahoe Donner, Truckee, CA Homeowner

Following a successful 15 year career in high tech, Desmond and his family relocated to Truckee from Alamo in the Bay Area in 2002. With over 20 years of business and finance experience, Desmond owns the Truckee branch of Pacific Mortgage Consultants. Licensed in all 50 states and with access to over 150 lenders, Desmond’s core business is servicing primary and vacation home clients in the greater Bay Area.

“I’m passionate about the Mortgage lending industry. It’s a career I truly enjoy. Ensuring my client’s make solid financial decisions for their short and long term financial security is the most rewarding part of my job.  Whether I’m working on new home, construction refinancing or other type of project, my commitment is to exceed my client’s expectations and secure the best possible financing program for their distinct needs”, says Desmond.

Desmond’s proven expertise spans the home lending spectrum, supporting you through many different kinds of transactions:

• Purchasing or constructing your new home;
• Reducing monthly payments and improving cash flow by refinancing into an improved loan program;
• Refinancing cash-out for investment purposes, debt consolidation or home-improvement;
• Setting up an equity-building program to create a “debt free” retirement; or
• Solving multiple home financing issues.

Finding a home lending solution over the last year has become much more complicated given our economic conditions, state of major banks and the high number of foreclosures. Finding the most cost effective and advantageous solution can be difficult and require deep expertise and reach into the mortgage markets. Leveraging his high tech background, Desmond utilizes proprietary analytical tools that screen 150+ lenders to ensure that the loan scenario presented to you meets your financial parameters, is obtainable and cost effective.

Being actively involved as a trusted advisor in one of the largest purchases people make during their lifetime, Desmond understands that aligning the optimum mortgage plan for the purchase or construction of a new home – or refinancing your existing home – is critical to his client’s financial success.

“It’s imperative that the relationship between client and lender is based on trust and confidence. Personal service, communication and extensive lending expertise are core deliverables to my clients”, said Desmond. “My commitment is to partner with my clients to ensure every transaction provides positive results.”

Working with Desmond will ensure you will make a good home financing decision based on:

• Lender knowledge – and access to over 150 home lenders;
• Deep technical expertise to manage your loan through changing financing parameters, underwriting guidelines and narrow lender markets;
• Proprietary technology – deployment and use of analytical tools to determine best loan solutions and total cost comparisons.

“You have my personal and professional commitment that I will always strive to provide an overall level of service that will make the entire loan process as enjoyable and uncomplicated as possible. It would be my honor to celebrate the successful completion of your transaction, as well as assist – with the same energy and commitment – your friends and family members. I look forward to working with you.”

More Information About Desmond

Desmond holds a Bachelor of Science in Business Management from Cal State University Hayward. A long time Bay Area resident, Desmond, Alison and their two elementary age children have resided in Tahoe Donner, a subdivision in Truckee, California, since 2002. Desmond’s love of sports and children has him very involved in Little League as a Board Member, Coach and many other roles. Desmond and Alison are long time supporters of the KidZone Museum for Children and Truckee Elementary PTO and participants in the kid’s classrooms. Winters bring active involvement and support of the Northstar Race Team on which both Elder kids participate, along with downhill skiing and cross country skiing with Alison.

For assistance with your home financing needs, please contact Desmond Elder at 530.582.4238 or Desmond@PMloans.com.