Reem Misto
President/Broker
National Pacific Lending - Irvine,CA
I have a bachelor degree in Computer Science and Mathematics Major from Cal State University Fullerton. I graduated in 1987 and has been in the Mortgage industry since then. I am the President and the broker of record of National Pacific Le...... Show More
Location & Business Hours
Business Hours
Tues
8 AM to 5 PM
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
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Reviews from Web
I called National Pacific Lending based on good google reviews but I should have read the 1* reviews that are more true to my experience. Predatory lending is the right term to describe this business, especially towards minorities and women....
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Reply from Owner
June 5th, 2026 06:41 PM
National Pacific Lending takes compliance, transparency, and customer service extremely seriously. Every borrower receives federally required Loan Estimates and Closing Disclosures outlining all rates, fees, and terms prior to signing and funding....
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I am beyond grateful for everything Reem Misto and National Pacific Lending did for me during my home-buying journey. Buying a house in California while moving from Georgia felt extremely stressful and overwhelming, especially because I had...
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Reply from Owner
May 14th, 2026 08:06 PM
Thank you so much for your incredibly kind words. Reading your review truly means the world to me and my team at National Pacific Lending.Helping you purchase your beautiful home in Mission Viejo after relocating from Georgia was such an honor,...
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Dear Reem Misto,I would like to express my sincere gratitude and appreciation for all the hard work and effort you put into helping me complete the purchase of my home. Your professionalism, dedication, and attention to every detail made the...
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Reply from Owner
May 14th, 2026 08:26 PM
Thank you so much for your thoughtful and heartfelt review. It was truly a pleasure helping you through the home-buying process, and I’m so grateful for the trust and confidence you placed in me and my team at National Pacific Lending.Buying...
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I was pretty nervous going into the loan process, but Reem made the whole experience so much easier than I expected. From the start, she took the time to understand my situation and explain everything clearly without making me feel rushed or...
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Reply from Owner
May 14th, 2026 08:29 PM
Thank you so much for your kind words and for trusting me throughout your loan process. I know buying a home and going through financing can feel overwhelming, especially in the beginning, so it truly means a lot to hear that I was able to...
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One of my first transactions as a buyer's agent was with Zanub! She was amazing with her communication and availability. She was responsive to my clients needs and ensured that we closed on time!
Reply from Owner
March 6th, 2026 07:56 PM
Thank you so much for your kind words and for taking the time to share your experience. We truly appreciate your trust, especially on one of your first transactions as a buyer’s agent. Communication and responsiveness are incredibly important...
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I’m very happy after working with Reem and her team to refinance my mortgage. Reem was able to find rates offered at least .15% lower than other quotes I got, and she even helped me find a second lender that matched the low rate but lowered...
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Reply from Owner
March 6th, 2026 07:59 PM
Thank you so much for your thoughtful review. It truly means a lot to me and my team that you trusted us to help with your refinance. Our goal is always to make sure our clients receive not only a competitive rate but also the best overall...
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I recently refinanced with National Pacific Lending and had an exceptional experience. They monitored the market to advise me on the best time to apply based on my situation, then handled every step of the process for me.The entire refinance...
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I can't say enough great things about Reem Misto. She is truly excellent at what she does. Her knowledge, professionalism and attention to detail are outstanding. She makes the mortgage process feel smooth and stress free. She takes the time...
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Reply from Owner
December 18th, 2025 06:39 PM
Thank you so much for this wonderful 5-star review! I truly appreciate your kind words and your trust in me. It means a lot to hear that the process felt smooth and stress-free, that’s always my goal. I’m grateful for the opportunity to help...
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We had an incredible experience working with Reem on our home purchase. She was responsive, organized, and truly made the entire process feel seamless from start to finish. We highly recommend Reem to anyone looking for a lender they can trust....
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Reply from Owner
December 18th, 2025 06:40 PM
Thank you so much for your kind words! It truly meant a lot to be part of your first homebuying journey congratulations again on your new home! I’m so happy the process felt seamless, and I appreciate your trust in me. If you ever need anything...
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grear rate and service. Always available and ready to respond to our questions and updates. Highly recommended.
Reply from Owner
December 18th, 2025 06:42 PM
Thank you so much for taking the time to leave a review! I’m really glad you were happy with the rate and the service, and it was my pleasure to be available whenever you needed answers or updates. I truly appreciate your trust and your recommendation...
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About
I have a bachelor degree in Computer Science and Mathematics Major from Cal State University Fullerton. I graduated in 1987 and has been in the Mortgage industry since then. I am the President and the broker of record of National Pacific Lending.
Products & Services
Mortgage Broker
Specialities
First Time Homebuyers
FHA Loans
Jumbo
VA Loans
VA IRRRL
DSCR
Bank statement
P&L Only
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Search Rank ScoreLearn More →
221
/850
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Positions
- National Pacific Lending - Real Estate Broker Mortgage Loan Originator (MLO) Endorsement
Memberships
- Laguna Niguel Chamber of Commerce
- Orange County Realtors
- GBA Committe
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Addresses and Serving Areas
Year Started
1999
Licenses
- nmls 240746
Gallery
Achievements
- Bachelor of Science in Computer Science and Mathematics
- DRE Broker License
- Certified Mortgage Advisor
Hobbies
- pickleball
- Tennis
- Travelling
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Disclaimer
National Pacific Lending Equal Housing Lender licensed mortgage broker with Department of Real Estate License #01264348, nmls 240639. Reem Misto nmls 240746