About Shawn Carvin
Shawn Carvin is a senior mortgage banker with Pacific Lending, LLC in Torrance, California. As a Fannie Mae, Freddie Mac, FHA, and VA mortgage lender, Pacific Lending offers the most competitive interest rates available in the Greater Los Angeles market. 
Shawn handles all types of residential mortgages, mortgage refinancing, and reverse mortgages for home buyers with all credit and income profiles, including jumbo loans of up to $2 million.
One of Shawn’s specialties is working with clients who are underserved, overlooked, or even outright dismissed by traditional banks and other large lenders. Most lenders have tightened their underwriting requirements to cherry-pick only the lowest-risk borrowers. This has left many worthwhile home buyers with what mainstream lenders consider unacceptable risks — ‘average’ credit, income challenges, self-employment — standing on the sidelines.
“Nothing is more rewarding to me than working with a client who is excited about getting the opportunity to buy a house they want, especially when other lenders might not have given them the same chance,” says Shawn.
With nearly 20 years of experience in the mortgage industry, Shawn is an expert loan officer who works tenaciously to get his clients’ mortgage loans funded as quickly and smoothly as possible. Don’t just dream about owning a home – let Shawn work with you to turn your fantasies into reality.
Why Choose Shawn?
Personal Attention
Banks and national lenders look at you as a number. But Shawn treats you as an individual and will work with you to find the best mortgage solution for your unique needs.
Creative Lending
Large banks and national mortgage companies have limited flexibility. If you don’t fit neatly into a round hole, they often can’t help you. Instead, Shawn takes a problem-solving approach and develops creative lending solutions to help his clients make their dream of home ownership a reality.
Mortgage Industry Expertise
When you choose a big-name lender, you’ll typically work with a representative who is little more than an order-taker. Many lenders even outsource customer service to call centers. But when you choose Shawn, you’ll work directly with a mortgage industry veteran who has successfully closed hundreds of loans over nearly 20 years.
Zero Points
Most borrowers pay no points when financing home purchases with Shawn. 
With home prices in the Los Angeles averaging $600,000, this benefit can save you thousands at your closing. That means keeping more cash in your bank account, where it belongs.
Shawn is a rock star lender! Shawn was able to get our loan approved even though it was not easy since I am self employed. I would recommend Shawn to anybody who needs to finance a new home or refinance their existing home.
Shawn was a breath of fresh air in getting my wife and me situated with the loan approval process for our downtown Long Beach condo. He goes out of his way to provide you with advice in such a genuine and unselfish manner and has worked in the lending industry for quite some time.
I guess I would qualify as an experienced purchaser, having purchased in excess of a dozen properties over the years. Thanks to Shawn, this was our easiest and best experience of all. We received final loan approval in only 8 days and closed escrow in 11 days.
Mr. Shawn Carvin assisted me with securing my VA loan. [He] was available at any time for any questions I had regarding the loan process. I consider myself his customer for life and will always have Mr. Carvin assist me with any home mortgage needs. I will refer all my friends to him as well for any related needs.
My son recommended Shawn Carvin when he heard I started my refinance application at my own bank. I got a fast approval, but after I looked at the offer it was not to my benefit. The closing cost was around $15,000 and I [would] be paying my home loan for another 30 years. I cancelled the offer and went to meet with Shawn. He got me a 15 year loan @ 3.5% interest [and] saved me over $10,000 in closing costs. I recommend Shawn for his excellent professional service.
Shawn is a wonderful blessing! He really took the time to listen to my home-buying needs and provided options to those needs. He got me approved immediately so I could go house shopping. When I found a place, he got me through all the loan paperwork and closed. He exhibits great integrity and character. I have already referred several people to him. Thank you Shawn for helping me get my new home – forever grateful!
I was trying to refinance my home and pull money out to pay off credit cards and do needed repairs. My own mortgage company would not consider it due to my debt. Shawn took over and helped me qualify, advising me on every step of the transaction. He is always available, and, I might add, optimistic. I can’t thank him enough for all his help. I am sleeping much easier these days. I highly recommend him.
I recently had the pleasure of transacting business for a 2nd time with Mr. Shawn Carvin through a streamline refinance. Shawn has proved himself to me as being a man of great conscience and integrity over the multiple times now that I’ve worked with and trusted him in business. I strongly would recommend to anyone to transact business with him in trust.
I can’t say enough about Shawn at Right Start. If it were not for him, we would not be in our house. He was able to get us a better rate than the other banks we checked with and made the process super easy. Shawn is my go to lender and I highly recommend him to anyone needing a mortgage.
Shawn helped me buy my house about a year ago. His knowledge and expertise made it all possible, because I had a bit of a challenge related to income from self-employment, which many lenders shy away from. I doubt I’ll be buying another house anytime soon, but I wouldn’t waste my time talking with anyone else if I needed a mortgage again in the future.
Shawn did a refi for me and followed the loan through the whole process making sure it wasn’t getting held up. He delivered what he promised. My wife and I were very pleased with the level of service Shawn provided. He is now helping me get a HELOC in place for some home renovations. I will definitely use Shawn again and will recommend him to my friends.
I was already working with another lender, but my brother suggested talking to Shawn “just to see” if I had better options out there. Boy, am I glad I did. Not only did Shawn get me a better interest rate, but he also saved me a few hundred dollars off my monthly mortgage payment. I was very impressed with his service, personality and enthusiasm. He cares and it shows in how he goes above and beyond. I highly recommend Shawn because now I know he’s my lender for life!
Extremely professional and helpful. Excellent communication throughout the loan process and no question was too small. He really was a breath of fresh air and would highly recommend his services to anyone in need of a mortgage. Thanks Shawn for all your help!
