Lower Rates        Less Fees        Lightening Fast Closings

Home Loans Simplified

Better Rates

Lower Fees

Lightening Fast Closings.

Rates As Low As

Home Loans Simplified

Better Rates

Lower Fees

Lightening Fast Closings.

Rates As Low As

Mortgage Brokers have relationships with many different lenders. They can save you time and money by looking for the best available deals for someone with your financial profile.”

How Much Do I Qualify For?

Get a rate & payment that won't change

Mortgage Calculator

What can you comfortably afford?

Refinance

Easily complete your application online

Get a Quote

Get a Quote

We’ve worked with Stephanie Smith for well over twenty years for both our real estate buy/sell transactions as well as mortgage refinance in more recent history. Stephanie can execute any transaction from start to finish with excellent communication, professionalism, and always with ethical fairness with client-centric focus. We’ve been through five seamless real estate transactions and she made the impossible, possible, with our latest refinance. We recently attempted to refinance and were turned down twice (as our home business made things a bit more complicated) and no one wanted to put in the needed extra effort. Of Stephanie’s superlatives, this one shines the brightest. She can make the seeming impossible happen because she relentlessly works for her client, putting in the extra efforts necessary to please her clients and accomplish what she sets out to do for her clients. Highly, highly recommended.

Kristine T. El Dorado Hills, CA

Stephanie did a fantastic job of getting us the best rate possible and did it fast! We were able to close on our home right on time and she kept us informed throughout the whole process.

Mr. and Mrs. Larazzi Carlsbad, CA

We were in the market for buying our first home and had no idea where to get started. Stephanie walked us through the whole process from start to finish. Stephanie took the time to get to know me and my situation so she could find what mortgage product was best for me. She even showed us how to get a higher credit score before our purchase. This ended up saving us thousands of dollars on interest! For any future mortgage we are going with Stephanie.

Andy & Deb Petaluma, CA

Exceptional, Talented & Genuine are just a few ways to describe Stephanie Smith. Passionate and in the know, Stephanie’s distinct and unique service will awe inspire any buyer, seller or borrower. After being denied by a well known mortgage company, Stephanie worked diligently on the refinancing of my two properties. She is humble and takes extraordinary pride in her work. A Million in One and Second to None, Stephanie is an enthusiastic and dedicated Real Estate Rockstar.

Chris Lorusso San Francisco, CA

There’s only one real estate and mortgage broker for me….”the Sensational and Stellar Stephanie Smith.” Stephanie has orchestrated various transactions on my behalf—all having gone impeccably smooth. Stephanie’s commitment to integrity and service to her clients is remarkable! She is brilliant and dynamic. ~ Tres Magnifique & Fantastique

~Claude Faugenet Fairfield, CA

We’ve worked with Stephanie Smith for well over twenty years for both our real estate buy/sell transactions as well as mortgage refinance in more recent history. Stephanie can execute any transaction from start to finish with excellent communication, professionalism, and always with ethical fairness with client-centric focus. We’ve been through five seamless real estate transactions and she made the impossible, possible, with our latest refinance. We recently attempted to refinance and were turned down twice (as our home business made things a bit more complicated) and no one wanted to put in the needed extra effort. Of Stephanie’s superlatives, this one shines the brightest. She can make the seeming impossible happen because she relentlessly works for her client, putting in the extra efforts necessary to please her clients and accomplish what she sets out to do for her clients. Highly, highly recommended.

Kristine T. El Dorado Hills, CA

Stephanie did a fantastic job of getting us the best rate possible and did it fast! We were able to close on our home right on time and she kept us informed throughout the whole process.

Mr. and Mrs. Larazzi Carlsbad, CA

We were in the market for buying our first home and had no idea where to get started. Stephanie walked us through the whole process from start to finish. Stephanie took the time to get to know me and my situation so she could find what mortgage product was best for me. She even showed us how to get a higher credit score before our purchase. This ended up saving us thousands of dollars on interest! For any future mortgage we are going with Stephanie.

Andy & Deb Petaluma, CA

Exceptional, Talented & Genuine are just a few ways to describe Stephanie Smith. Passionate and in the know, Stephanie’s distinct and unique service will awe inspire any buyer, seller or borrower. After being denied by a well known mortgage company, Stephanie worked diligently on the refinancing of my two properties. She is humble and takes extraordinary pride in her work. A Million in One and Second to None, Stephanie is an enthusiastic and dedicated Real Estate Rockstar.

Chris Lorusso San Francisco, CA

There’s only one real estate and mortgage broker for me….”the Sensational and Stellar Stephanie Smith.” Stephanie has orchestrated various transactions on my behalf—all having gone impeccably smooth. Stephanie’s commitment to integrity and service to her clients is remarkable! She is brilliant and dynamic. ~ Tres Magnifique & Fantastique

~Claude Faugenet Fairfield, CA

We’ve worked with Stephanie Smith for well over twenty years for both our real estate buy/sell transactions as well as mortgage refinance in more recent history. Stephanie can execute any transaction from start to finish with excellent communication, professionalism, and always with ethical fairness with client-centric focus. We’ve been through five seamless real estate transactions and she made the impossible, possible, with our latest refinance. We recently attempted to refinance and were turned down twice (as our home business made things a bit more complicated) and no one wanted to put in the needed extra effort. Of Stephanie’s superlatives, this one shines the brightest. She can make the seeming impossible happen because she relentlessly works for her client, putting in the extra efforts necessary to please her clients and accomplish what she sets out to do for her clients. Highly, highly recommended.

Kristine T. El Dorado Hills, CA

Stephanie did a fantastic job of getting us the best rate possible and did it fast! We were able to close on our home right on time and she kept us informed throughout the whole process.

Mr. and Mrs. Larazzi Carlsbad, CA

We were in the market for buying our first home and had no idea where to get started. Stephanie walked us through the whole process from start to finish. Stephanie took the time to get to know me and my situation so she could find what mortgage product was best for me. She even showed us how to get a higher credit score before our purchase. This ended up saving us thousands of dollars on interest! For any future mortgage we are going with Stephanie.

Andy & Deb Petaluma, CA

Exceptional, Talented & Genuine are just a few ways to describe Stephanie Smith. Passionate and in the know, Stephanie’s distinct and unique service will awe inspire any buyer, seller or borrower. After being denied by a well known mortgage company, Stephanie worked diligently on the refinancing of my two properties. She is humble and takes extraordinary pride in her work. A Million in One and Second to None, Stephanie is an enthusiastic and dedicated Real Estate Rockstar.

Chris Lorusso San Francisco, CA

There’s only one real estate and mortgage broker for me….”the Sensational and Stellar Stephanie Smith.” Stephanie has orchestrated various transactions on my behalf—all having gone impeccably smooth. Stephanie’s commitment to integrity and service to her clients is remarkable! She is brilliant and dynamic. ~ Tres Magnifique & Fantastique

~Claude Faugenet Fairfield, CA

Latest News

30 Year Fixed Mortgage Rates as low as 1.75% (2.024% APR) as of 12/10/2021
The loan is a 15-year fixed rate fully amortizing term. Not available in all states.

Assumptions:

  • Loan Amount: $568,320 based on 80% LTV (Home Value $710,400) Fixed Interest Rate: 1.75%
  • Annual Percentage Rate (APR): 2.024%
  • Monthly Payment: $3592.13/month for 180 monthly payments of principal and interest, plus taxes and insurance*
  • Loan Discount Points: 1.755
  • Borrower Credit Score: 780+
  • Home Type: Single Family, Primary Residence

*Taxes and Insurance not included. Actual monthly payment will be greater

.85% lower than today’s national average: 2.60%