Contra Costa County
Mortgage Broker in San Ramon, CA
Wholesale mortgage broker for San Ramon, Danville, Dublin, Pleasanton and the rest of the East Bay. One application, 30+ lenders, a loan officer who answers the phone.
Financing in San Ramon
San Ramon's Bishop Ranch, Windemere and Gale Ranch neighborhoods sit well above the conforming loan limit, so most purchases here are jumbo or high-balance loans, and a growing share of buyers are self-employed professionals, tech employees with stock compensation, and investors buying rentals in the Tri-Valley.
Our office is in San Ramon, at 3130 Crow Canyon Place, Suite 415. SiFi Lending is the lending brand of Simonich Financial, Inc. (NMLS #2563307), founded by Scott Simonich, who built and sold Bay Area mortgage banks over three decades before opening SiFi. Because we broker rather than lend, we price every San Ramon scenario across our wholesale panel and place it with the lender whose guidelines and pricing fit, whether that is a jumbo purchase, a self-employed refinance or an investor loan on a rental.
Programs San Ramon borrowers use most
- Jumbo and high-balance purchase loans
- Bank statement loans for self-employed borrowers
- Asset-based qualifying for stock and RSU income
- DSCR loans for Tri-Valley rentals
- HELOCs to tap equity without refinancing a low first mortgage
Loan options
Residential Purchase
Traditional and non-traditional home purchase financing. From first-time buyers to luxury estates, we offer competitive rates and flexible qualifying.
DSCR
Debt Service Coverage Ratio loans for real estate investors. Qualify based on property cash flow, not personal income. Ideal for rental portfolios.
HELOCs
Home Equity Lines of Credit to unlock your property's value. Flexible draw periods, competitive rates, and quick access to funds.
Bank Statement
Qualify using 12-24 months of bank statements instead of tax returns. Perfect for self-employed borrowers and business owners.
Refinance
Rate-and-term or cash-out refinancing. Lower your payment, shorten your term, or access equity. Conventional, FHA, VA, and non-QM options.
Fix & Flip
Short-term financing for property investors. Fast closings, interest-only payments, and up to 90% LTV. Fund your next renovation project.
San Ramon mortgage FAQs
Do I need to come to your office to get a loan in San Ramon?
No. Our office is in San Ramon, at 3130 Crow Canyon Place, Suite 415. Most clients complete the entire process online and by phone, and we meet in person whenever it helps.
What loan programs are most common in San Ramon?
Jumbo and high-balance purchase loans, Bank statement loans for self-employed borrowers, Asset-based qualifying for stock and RSU income, DSCR loans for Tri-Valley rentals, HELOCs to tap equity without refinancing a low first mortgage. We price each scenario across 30+ wholesale lenders and show you the options side by side.
Is SiFi Lending a bank or a broker?
A broker. Simonich Financial, Inc. dba SiFi Lending (NMLS 2563307) arranges loans with wholesale lenders rather than lending its own money, which is what lets us compare pricing and guidelines instead of selling one product.
Do you finance rental properties in San Ramon?
Yes. DSCR loans qualify on the property's rent rather than your income, allow LLC vesting and have no cap on financed properties.
Which states are you licensed in?
California, Arizona, Colorado, Florida and Texas.
Also serving: Danville, Walnut Creek
Simonich Financial, Inc. dba SiFi Lending, NMLS #2563307. 3130 Crow Canyon Place, Suite 415, San Ramon, CA 94583. Licensed in AZ, CA, CO, FL, TX. Programs and terms vary by lender and are subject to credit approval. This is not a commitment to lend. Equal Housing Opportunity.