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You Served Your Country With Honor, Let Us Serve You
California's Most Trusted Mortgage Broker of 25 Years
  • No Mortgage Insurance Requirements
    No monthly mortgage insurance premiums to pay. Unlike FHA loans that come with both an upfront and an annual mortgage insurance charge. Conventional home buyers generally need to pay for private mortgage insurance unless they are making a down payment of 20% or more.
  • Lower Average Interest Rates
    VA Loans consistently continue to have the lowest average interest rates of all the loan types.
  • No Pre-Payment Penalties
    VA Home buyers can pay off the loan early without any financial penalties.
"I specialize in making loans happen for Veterans, I am here to serve you to make sure your loan gets approved and goes smoothly. I personally enjoy seeing through the process of every loan."
-Steven Terzino - CalBRE #01133081 NMLS #879355
25 Years of Professional Mortgage Experience now serving you
Start your VA Loan Here
Take advantage of the VA Refinance program, also known as the Streamline IRRRL (Interest Rate Reduction and Refinance Loan)
No More Mortgage Payments Until 2018
Get a Refund from your Escrow
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100% Privacy Guaranteed | Steven Terzino Mortgage Banker, NMLS #879355, BRE #01133081 | Equal Housing Lender | VA Approved Lender | Not a Government Agency
See What Other Veterans are Saying About Us.
"He (Steven Terzino) takes the experience of refinancing your home and makes it into an easy streamlined process.
We were able to skip two payments, and get our escrows back, our payment was lowered by $412 by combining the HELOC into the first mortgage.
Thank you for helping our family!"
Ron & Stacey -San Diego, CA
"Very professional, polite, and a get it done attitude.
It was a pleasure all around.
You saved us on our monthly mortgage payment, now we have more money to enjoy life with.
He was even able to help me when I was overseas, talk about doing whatever it takes."
John S. - Los Angeles, CA
A Video to you about your VA entitlements
Steven Terzino: Veteran Mortgage Banker
With over 25 years of experience helping families get the right financing.
His father Ron Terzino served in the Navy, we are now able to use that experience to help other families who have served our country.

We have very low overhead, meaning we can pass the savings onto you. You Served your country with honor, now let us serve you.
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A VA Approved Lender; Not Endorsed or sponsored by the Department of Veterans Affairs or any government agency.
Steven Terzino - Mortgage Banker - NMLS #879355 | We never sell your information. Proudly Veteran Owned and Operated
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