California’s Trusted Finance, Insurance & Real Estate Partner

Personal and business banking, insurance, mortgages, loans, investments, and real estate services designed to help you build, protect, and grow your wealth.

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15+

Years Experience

5000+

Happy Clients

$2B+

Assets Managed

About Pear Finance Hub

Pear Finance Hub is a California-based financial services firm helping individuals and businesses make confident money decisions for more than 15 years.

We deliver personalized strategies across banking, insurance, investments, mortgages, and loans. With deep local market insight and a client-first approach, we provide clear guidance and accountable results.

Licensed & Regulated

Personalized Service

California Expertise

Proven Results

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Featured Services

Fully integrated solutions for personal and business finance

Personal Finance

Checking and savings, budgeting tools, and secure digital banking built for everyday life.

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Investment Management

Goal‑based portfolios, disciplined risk management, and research‑driven strategies to grow wealth.

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Mortgages

Conventional, FHA, VA, and jumbo mortgages with local expertise and competitive rates.

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Business Finance

Accounts, payments, working capital, and advisory support to power growth.

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Why Choose Pear Finance Hub?

Transparent advice, modern tools, and a team that puts you first

Expert Team

Credentialed specialists with deep experience across banking, insurance, mortgages, and investments.

Personalized Approach

Plans tailored to your goals, timelines, and risk tolerance—no one‑size‑fits‑all answers.

Security & Trust

Enterprise‑grade security and compliance standards to safeguard your information and assets.

Client Stories

Real results from California individuals and businesses

“Clear guidance and fast mortgage pre‑approval helped us secure our home.”

San Jose • First‑time buyer

“Working capital financing and advisory support accelerated our growth.”

Oakland • Retail business

“Bundled auto and home policies saved money while improving coverage.”

Sacramento • Family household

Frequently Asked Questions

Answers to common finance and insurance questions

How do mortgage rates affect monthly payments?

Rates determine interest costs. A lower rate reduces monthly payments and total interest.

Which insurance policies should I start with?

Most begin with life, health, auto, and property coverage based on their situation.

Do you offer business financing?

Yes—lines of credit, term loans, and advisory support for small and mid‑market firms.

Can I consolidate debt with a personal loan?

Personal loans can simplify payments and reduce interest if rates are lower than existing debt.

Resources & Articles

Guides to help you make informed decisions

Mortgage Basics

Fixed vs. adjustable rates, down payments, and closing costs explained.

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Insurance Checklists

Coverage essentials for life, health, auto, and property insurance.

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Business Finance

Financing options, cash flow tips, and tools for growing a company.

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Ready to Get Started?

Discuss your goals and get a plan for banking, insurance, mortgages, loans, investments, or real estate.