Steve Chavarria

Sr. Loan Officer

Through technology, experience & transparency we help people find the best home financing for their unique situation

BRE 01705348 | NMLS 354667

"We're here to guide you through the many steps of lending. With the ability to choose from approximately 20 different banks, our lending is agile, straight forward and transparent. 

Stay organized, receive regular updates and get a dedicated Loan Officer working with you for the entire process."


From standard Conventional to government loans and even private hard money programs. We work with virtually every program available on the market.

Your Personal Portal

Each client of ours receives their own portal where you can securely upload your documents, submit feedback and conveniently check the status of your loan.

Experience & Creativity

With 17+ years of experience in the mortgage industry, there aren't many scenarios that we haven't seen. We are creative in our approach to ensure the best possible outcome.


We pride ourselves on our updates. You will receive fun and educational updates every step of the way. You'll actually hear from your loan officer many times throughout the process... 

Mortgage Services


Whether you're pulling out some of your equity or simply lowering your rate or term. Through technology and transparency we'll make sure you're getting the best loan for your needs

mortgage planning

So you're not quite ready to buy your new home. Not to worry, we'll meet to create a thorough game plan to help you achieve homeownership in the quickest time possible

Interactive Calculators

Registration Not Required

Mortgage Checkup Calculator

How's your mortgage performing? This handy tool will help determine if you're in the best loan possible.

Neighborhood Stats and Sales Trends

Wondering about sales trends in your neighborhood? Type in any address to check it out.

Rent vs. Buy Calculator

Should you keep renting or is it time to buy? Use our calculator to find out.

Your Loan Options will be presented with a Detailed Loan Analysis

With so much information, you need a clear way to understand it all...

Through the use of our detailed presentation analysis tool we can provide clear advice, simple charts, and detailed options. All to ensure the right choice is always made for the people we serve.

  • Compare options side-by-side
  • Confidence through knowledge
  • Gain insights through strategies
  • Tax Benefits
  • Value appreciation 
"I'm eager, motivated and ready to begin working on your financing." 

Look What Our Clients are Saying...


Steve helped us about 2 years ago when we were purchasing our home and now we're refinancing. He is always polite, courteous, patient and very informative. Never pushy and made us feel very comfortable and confident in our decision making. We will continue to look for him in our mortgage needs and highly recommend him! Thank you!

Noe & Val Aguilera

Ontario, CA / Nov. 2017


We can say that his quality of work is outstanding! Buying a home was very stressful but having Steve working so hard and professionally was very relieving to have working with us and not against us. His work ethic is awesome and we hope to work with him in the future to come.

Jessica Duran 

Fullerton, CA / March 2017


Steve is one of the BEST lenders in the business. He and his team are nothing but professional, efficient, and well-experienced in the real estate lending industry. When in need of a real estate loan, you want the BEST. You want someone who handles the unforeseen bumps in the process without delay. You want someone to give you the best options to maximize your real estate decisions and someone that you can actually talk to when you have questions.

Mera Chaney

Fontana, CA / May 31, 2018 


Thank you for the best communication I’ve seen with a Lender and Selling Agent!  I truly appreciate your service. 

Julie Thompson | Listing Agent

Mammoth Lakes, CA / Oct. 2019


Please to work with!

We've worked with Steve on several loans. He's to work with and definitely on top of it. Regular Communication made it easy for us to track and follow progress. Thank you Steve!

Christy & David Vargas

Mammoth Lakes, CA / Nov. 2019

Zillow Review



Steve explained every detail of before, during and after purchasing my house. attentive to detail and very patient with all my questions. Steve made sure the process went smoothly. 

Akbar Sanchez

Adelanto, CA / Aug 2019 

Direct: (951) 662-3389 |

a FOF Enterprise, Inc. Company. DRE: 02012912 NMLS 1569054

Local Office: 9431 Haven Ave Ste. 232 Rancho Cucamonga, CA 91730