Loan Officer

NMLS# 459915

Licensed In California




41856 Ivy Street, Suite #103, Murrieta, CA 92562

Tobie is your mortgage loan originator, who works side by side with a strong team that shares the same devotion to excellence.

Experienced, knowledgeable, and always up to date on the industry's latest products, Tobie strives to exceed the customers' expectations in each and every transaction.

Whether it's time for you to:

  • Purchase your first home
  • Purchase your next home or a second home
  • Purchase and investment property
  • Refinance an existing mortgage

Tobie has the know-how to find the perfect product for you!

Call today or click on the link below to get started!

Application Documentation Checklist


Sureshbhai P.

June 16, 2018

June 16, 2018
What I love about Tobie and her team is that when a difficult situation arises in a transaction, everyone works together for a positive outcome!
John O.

June 16, 2018


June 14, 2018
Tobi and team were awesome ! It couldn’t of gone any smother for us as first time home buyers From start to finish throughout the process their assistance was flawless.

June 08, 2018
My only complaint is that Noriko and me have funded almost $1,000,000.00 worth of property through you and your team and we have never met In Person:) Really, I kid, looking forward to stopping by next week when we return from Maui and saying hi. We felt the “Love” :) Thank you Tobie, Melanie and LeAnn
Alisa H.

May 31, 2018
Excellent friendly staff made my refinance process quick, easy and painless! Would definitely recommend to friends and family
Lois H.

May 20, 2018
First time home buyers and Toby helped and guided us through the whole process.
Ryan H.

May 17, 2018
I was a nervous first time home buyer in the beginning and I was guided through the process perfectly. I had a total understanding of what was happening and was explained the entire process in a professional manner to which I’m now a much more educated home owner. Thanks for your hard work a dedication to our home loan process.
Susana O.

May 13, 2018
The highest score rating available to select was "Great" however there should be an "Amazing" option because that is what Tobie Love has been to me during my home buying process. She was always available to answer my questions, she always kept me informed, she made the entire process seamless.
Thomas O.

May 10, 2018
Thank you for helping us buy our first home..
Robert T.

March 29, 2018
We were very happy with Tobie Love's help and advice in obtaining our mortgage loan. She and her team took the extra steps and efforts to make it happen. Thank you Tobie Love and team (especially Melanie and Gary) for all of your help!

March 16, 2018
I have worked with Tobie Twice and will do it a 3rd if I need to.

March 15, 2018
From the beginning, when we first contacted her, all the way through our closing Tobie and her team were easy to get ahold of and prompt at getting back to us. Our financing was a bit complicated and Tobie walked us through all the information and aswered all the questions we had. We asked Tobie if she could recommend a real estate agent to help us find a home and the person she recommended was perfect for us. We were pleased with the whole process.

March 15, 2018
Good experience overall

March 12, 2018
I will only use Tobie in our transactions!

March 12, 2018
Constant communication, thorough explanations and advice when needed, prompt attention and responsiveness. A truly exceptional team of staff members committed to service the customerâ??s needs. Will use and refer them for years to come. Proven trustworthiness with family upon referral and experienced same levels of service.

October 01, 2017
THANK YOU TOBIE!!! We searched and searched and simply could not get approved. My husband and I were becoming frustrated with lenders who said they could but then really couldn't. Well, then we found Tobie who said she could, got past all obsticles and as I write this I am sitting in my NEW HOME thanks to Tobie and her Team. Everyone was professional, expedicious and knowledgable. Melanie was AMAZING as well. I am forever grateful for South Pacific and their wonderful staff.

September 28, 2017
Tobie walked my wife and I through the process of purchasing a home with great skill. We reccommend her to everyone who desire to purchase a home.

September 27, 2017
Tobi and her team got us the perfect loan for our family and worked diligently to get us through the escrow process as quick as possible. Her team was very thorough and made this process pleasant.
Kaitlin W.

September 11, 2017
Tobie is the BEST!! She made sure every question we had was answered. We were those late night/weekend people that didn't really have much time during the day, and she was always available no matter what time. Even while on vacation in Hawaii! She made everything so easy for us!

September 11, 2017
Tobie, you and your team worked tirelessly for me. You guys are amazing. Thank you for all your work and I'll make sure to recommend your team every chance I get.

August 15, 2017
The Tobie Love Team is the best. your team made it possible. They stuck with me all the way. They helped me make the right decisions. I have a great deal of respect for you & your team. You & your team never gave up. It was the best experience of my life.

July 23, 2017
Service was wonderful. Very helpful and responsive. I highly recommend Tobie and her team if you are in the market for a mortgage!

July 21, 2017
Have worked with Tobie Team on multiple loans. Always top notch and professional. Very responsive.
Eliezer R.

July 12, 2017
The refinancing went so smoothly and I was always informed of how it was goin and if anything was needed.Me and my wife are super satisfied with your service.Thank you .

July 06, 2017
Tobie and her team are WONDERFUL! We are repeat clients and will never go anywhere else for mortgage needs. They are efficient and truly have the best interest of us in mind. Cannot recommend enough!

July 06, 2017
Everyone we worked with was very friendly, easy to talk to, extremely knowledgeable, and worked quickly and efficiently. They made everything very easy on us. We highly recommend South Pacific Financial to anyone.

July 03, 2017
Excellent communication given by Michelle Gomez. Thank you!!

July 02, 2017
All your team always ready to answer all my questions very helpful they were there to guide me with the electronic part. Excellent team congratulations my expiriance working with you guys was great!!! I would recommend you guys at anytime. Thank you specially to Michelll, and Melanie

June 28, 2017
A very pleasant experience with Tobie and her team. They were exceptionally professional and genuinely interested in my needs. The entire process was fast and easy. I would definitely recommend the great experience I had with Tobie and her team. I give them a five star rating.

June 24, 2017
Tobie and her team were great at communicating and helping me navigate through the process. My loan was very complex but they took the time to do it right and explain the process to me.

June 24, 2017
It was an excellent and speedy process. They were helpful ever step of the way.

June 21, 2017
Thank you so much for you and your team to make this stressful process easy even with the many hurdles at the end.

June 06, 2017
The team as a whole were great. First time buyers and it went well

June 06, 2017
One word. Awesome

May 25, 2017
The Office really went out of there way to make transaction run smoothly during trying times.

May 22, 2017
Tobie and team where very professional and on top of everything for our housing needs we closed earlier then expected due to how proficient they worked together I would diffidently recommend them for future clients and any other Real Estate needs for myself, fiends, and family. THANKS TOBIE AND YEAM AWESOME JOB!

May 22, 2017
Great knowledge and done in a very timely manner. Delighted to have Tobie and her team take care of our initial mortgage and recent refinance.

May 16, 2017
The customer service was amazing! The whole process was so easy due to all the wonderful employees at Pacific Financial. Thank you!!

May 03, 2017
Tobie and her team were fantastic. My experience with them was the best I have ever had. They asked for everything in advance and by the time it went to underwriting it was approved and no additional info was requested. Awesome experience. Michelle Gomez is the best she kept me updated on everything and I was never stressed out. Couldn't be happier. Thank you!
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