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Cary Pearce

Branch Manager | Senior Loan Advisor | Riverside – Flagstar Home Loan Center, California

License/Certifications: NMLS 353895


Office: 951.228.7782

Cell: 951.750.7555

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Home > About Us > Our Team > Cary Pearce

My Story


Flagstar Bank helps clients make effective financial decisions by showing them a new way of thinking about their mortgage – not just as a loan based on rates, ratios and guidelines, but as something with the potential to dramatically shift their financial situation now and into the future. During the mortgage process, our advisors show clients new ways of looking at affordability that take everything they care about into consideration.


Our Mortgage Advisors do extensive work upfront to determine the best financing structure in each particular client situation. Through years of experience and industry knowledge, our advisors have the ability to anticipate and avoid potential obstacles, giving clients confidence and peace of mind throughout the process.


Flagstar Bank originates, underwrites, and funds loans with its own capital, maintaining control of the entire loan process. Flagstar Bank offers a full-range of competitively-priced loan programs and is knowledgeable in lender guidelines so we can match the best loan program to each client’s unique situation and needs. Our underwriters are well versed in local markets and we fund loans in-house, maintaining complete control to ensure fast turn-times and a smooth loan process.


Contact me to learn how I can help you with your real estate financing needs.



“Cary Pearce has helped us to obain mortgages and refinance for about 20 years. He is true to his word, he always works to make sure our loans are at the best available rates, and he responds to questions and concern quickly. We have always closed when expected. His staff is also extremely professional. In my opinion, obataining a loan through Cary is as smooth and efficient a process as possible.”
-Terri K.

“Cary has handled multiple loans for my family and has been amazing to work with. Him and his team go above and beyond to make sure the Home purchasing and refinancing we’ve done is as smooth as possible. Purchasing a home, and even refinancing a home, can be be extremely stressful. But, Cary made sure to answer any and every concern along the way. I could always rely on him to give a timely and honest answer. I’ve used Cary in the past, now the present, and I intend to look him up in the future. I couldn’t be happier with the services provided.”
-Douglass L.

“Mr. Pearce made my refinance process very quick and easy. He maintained professionalism and was always available when I had questions, even on the weekends.”
-Roman R.

“I recently worked with Cary on a home loan and couldn’t have been happier. He was easy to work with, transparent with every step of the process, and extremely fast to respond to the many questions I had.  He worked with me to get the best available interest rate and put us in a position to enjoy our home for years to come. Highly recommend!”
-Greg R.

“Imagine applying online for a mortgage loan refinance late on a Friday afternoon before a long holiday weekend and not expecting to think anymore about it until the next week. Think again. Not only did I get a response from the Branch Manager, Cary Pearce, that weekend, but it proved emblematic of the entire guided process. Cary and his supportive team worked with me detailing each step along the way. My competitive quoted rate at the beginning remained true to the end. The online application was easy to complete. The appraiser and escrow papers signing were completed at my convenience with frequent email updates during the process. I highly recommend Cary and his Flagstar team for any and all mortgage finance needs. It’s about more than money. They are cultivating business relationships.”
-Jerry P.

“Cary Pearce went above and beyond to be sure our refinance went smoothly. I have had 5 transactions with 5 different lenders and Cary was by far the best! His communication was stellar and he always got back to me quickly. My husband had an unexpected work trip before we signed our final docs but Cary still made it happen. I have many family members/friends in CA who have used him and now that he is available in WA, I had the pleasure to work with him. He met all expectations and more. Thank you Cary!”
-Stephanie C.

“Cary was amazing. Anytime I had a question he would answer in a timely manner. The whole process was very smooth with him. I would highly recommend him.”
-Ashley P.

“Cary and his team at Flagstar Bank made my home buying experience as pain free as possible. It amazed me how dedicated he was – even at 11 pm at night. Very dependable service that alleviated the added unnecessary stress of purchasing a home. 12 stars. Would recommend them to anyone.”
-Logan S.

“This is the second time we have called upon Cary Pearce for his services. The first time was several years ago when we bought our home and then just recently for a refinance. Our experiences each time were very positive. We would recommend Cary to our family and friends anytime!”
-Karlyn C.

“Cary, and his team, were extremely professional and helpful. They were sure to keep me informed through out the entire process and up to date on my loan status. They worked hard on a short deadline to the seller’s bank deadlines, and we actually closed earlier than expected! They made the loan process, easy and bearable. I will 100% recommend Cary and his team, to any and everyone! His is awesome!”
-Anna M.

“Cary and his team are professional, friendly and detail oriented. The were great to work with and made the process simple every step of the way. Cary was extremely responsive to every message or question.”
-Dana W.

Branch: Riverside – Flagstar Home Loan Center

7111 Indiana Ave, Suite 200

Riverside, CA 92504


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