Honor Mortgage Solutions

Mortgage, Real Estate, and Concierge Services

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About Us

A Southern California-based boutique mortgage agency providing custom mortgage, real estate, and concierge services for first-time home-buyers to luxury real estate investors, ensuring clients attain their financial goals of home ownership and investment while navigating the mortgage experience with ease and enjoyment.

Our Loan Specialties

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  • A conventional conforming loan is a type of mortgage that meets the guidelines set by Fannie Mae and Freddie Mac, and is not backed by a government agency. These loans are the most common type of mortgage and are offered by most lenders

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  • The Department of Veterans Affairs (VA) offers loan programs to help servicemembers, veterans, and their families buy homes.

Services

  • A HELOC is a line of credit backed by the equity you have in your home: the value of your home minus what you owe on your mortgage. A HELOC uses your home equity as collateral and lets you borrow against it.

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  • Cash flow lending is a type of unsecured loan that is used by businesses for day-to-day operations. Generally, the loan is used to finance working capital, such as payments for payroll, rent, inventory, and so on, and is paid back by your business’s incoming cash flows. This means that you’ll be borrowing from revenues that you’re expecting to receive in the future.

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  • A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan in 2024 is $766,550 in most counties, as determined by the Federal Housing Finance Agency (FHFA).

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  • A physician loan or “doctor loan” is a mortgage specifically for medical professionals that usually doesn't require a down payment. With other loan types, lenders often want borrowers to pay private mortgage insurance (PMI) if they're making a down payment of less than 20%.

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  • This loan type allows homebuyers to finance the purchase of a home or homeowners to refinance a current mortgage, combining the cost of renovations, repairs, or remodeling into a single loan.

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  • A hard money loan uses the "hard" asset of the actual real estate, whereas a private money loan analyzes both the property and borrower's financial strength. Hard money loans are often used for short-term financing while private money loans may have longer terms.

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  • A Federal Housing Administration (FHA) loan is a home mortgage that is insured by the government and issued by a bank or other lender approved by the agency.

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  • A reverse mortgage is a mortgage loan, usually secured by a residential property, that enables the borrower to access the unencumbered value of the property. The loans are typically promoted to older homeowners and typically do not require monthly mortgage payments.

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  • A bank statement loan allows you to apply for a mortgage without having to prove your income via pay stubs, W-2s or tax returns. Instead, lenders use recent bank statements to assess your earnings.

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Meet Steve

With over 35 years working in the real estate industry, Steve saw firsthand the need for a different way of doing things in the mortgage space. Steve founded Honor Mortgage Solutions in an effort to provide genuine and upfront services to everyone from first-time home buyers to seasoned investors and luxury home buyers. At Honor Mortgage Solutions, clients feel safe and assured that Steve is always looking after their best interests.

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Who We Work With

  • We love coming alongside first-time homebuyers to ensure their experience is as smooth and comfortable as possible. With more than 35 years in the industry, Honor Mortgage Solutions is the expert you want by your side!

  • We provide exemplary service to luxury home-buyers in and around South Orange County and San Diego County.

    Whether this is a first, second, or third home, we are prepared to provide the white-glove service you and your family deserve.

  • We love working with savvy real estate investors. Backed by 35+ years in the industry, we’re prepared to provide solutions for even the most complicated real estate investments.

    Whether you’ve been in the investment industry for years, or are just getting started, we’ll be by your side every step of the way.

What Sets Us Apart

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    Honesty

    We operate with complete honesty and transparency when communicating with our clients. Reflective of our name, we strive to operate with honor and class in every aspect of what we do.

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    Customization

    We offer an individualized, customized, white-glove approach to engaging with clients, ensuring that their needs are always met.

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    Integrity

    We operate with complete integrity, always keeping our client's best interests in mind. This means we won't push products or loans that aren't the absolute best fit for a client.