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Home Purchase
Pre-approval strategy, offer readiness and financing built around your purchase goals.
25+ YEARS OF MORTGAGE EXPERIENCE
More options. Clear answers. A mortgage strategy built around you.
Whether you're buying, refinancing, consolidating debt or your last lender said no, I'll help you understand what's possible before you count yourself out.
25+ years experience
Multiple lender options
Personal guidance
WHY AN INDEPENDENT MORTGAGE BROKER
More choices. One experienced mortgage resource.
I can compare available lending options across multiple lenders and help you understand which path best fits your goals, rather than forcing every borrower into the same box.
More lender options
Access to multiple lending sources can create more possibilities when one lender's guidelines don't fit.
A strategy built around you
We look at the complete picture, income, assets, credit, property and goals, before choosing a direction.
Experienced guidance
You get one experienced point of contact to help explain the numbers, tradeoffs and next steps.
MORTGAGE SOLUTIONS
Start with your goal, not a loan product.
I'll review your full picture, compare available options and explain the tradeoffs in plain language.
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Refinance
Review your rate, payment, term and overall mortgage strategy.
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Cash Out
Explore available home equity for debt consolidation, improvements or other financial goals.
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HELOC
Flexible access to home equity when a revolving line of credit fits your needs.
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FHA Loans
Government-backed financing with flexible qualification options for eligible borrowers.
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VA Loans
Financing options and benefits for eligible veterans, service members and qualifying spouses.
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USDA Loans
Eligible borrowers may have access to low- or no-down-payment financing in qualifying areas.
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Jumbo Loans
Financing options for higher-value properties that exceed applicable conforming loan limits.
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Non QM Loans
Alternative financing solutions for self employed borrowers, investors and unique financial situations.
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Hard Money Loans
Short-term financing options for real estate investors and time sensitive opportunities.
WHY WORK WITH STEVEN
Experience is most valuable when it gives you better choices.
After more than 25 years in mortgage lending, I know that the right answer isn't always the first answer. As an independent broker, I can look across multiple lending options and help you make a well informed decision.
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Straight answers
Clear explanations without unnecessary jargon.
Clear explanations without unnecessary jargon.
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More possibilities
Access to multiple lenders and loan programs, including purchase, refinance and specialty options.
Access to multiple lenders and loan programs, including purchase, refinance and specialty options.
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Responsive communication
You and your agent stay informed throughout the process.
You and your agent stay informed throughout the process.
SIMPLE PROCESS
A clearer path from question to closing.
Tell me what you're trying to accomplish.
A short conversation helps me understand the goal before we talk products.
A short conversation helps me understand the goal before we talk products.
We review your options together.
I'll explain the numbers, tradeoffs and next steps.
I'll explain the numbers, tradeoffs and next steps.
Move forward with confidence.
When you're ready, complete the secure application and I'll guide the process through closing.
When you're ready, complete the secure application and I'll guide the process through closing.
REAL ESTATE PARTNERS
Your Clients. My Mortgage Expertise. One Trusted Resource.
Give your clients a mortgage expert they can count on from pre-approval through closing. With 25+ years of mortgage experience and access to multiple lending options, I help your clients navigate financing with clear answers, responsive communication, and a strategy designed around their goals.
Second opinion financing
A fresh review when another lender says the borrower doesn't qualify.
Strategic pre-approval
A careful review of the buyer's complete picture before they write an offer.
Communication that matters
Responsive updates from pre-approval through closing so you know what is happening.
Broker flexibility
Multiple lender and program options when a conventional path isn't the right fit.
CLIENT EXPERIENCE
The mortgage process should feel informed, responsive and personal.
Real client experiences from Google reviews.
“I highly recommend Steven R. Barone at Promise Home Loans. He was incredibly helpful throughout my home buying process, offering great programs like a temporary rate buydown that significantly lowered my initial payments. Steven was always responsive, transparent, and guided me through every step of the mortgage process with excellent personalized service.”
Ardit Dine★★★★★ Google review“We had my load closed in about 8 days. He was really easy to talk to. He helped me by explaining how it was going to work. I did everything from out of state. My job keeps me out of my home state alot.”
Shannon Walker (Shan)★★★★★ Google review“Couldn’t have gotten this done or gone through it without Steve. A very knowledgeable, professional and caring person who would go to any lengths to assist his clients. Looking forward to doing business with him again and would recommend him to friends and relatives any day of the week. Thanks Steve you’re the best.”
Desroy Anthony★★★★★ Google review
LET'S TALK
Don't count yourself out before seeing what's available.
Tell me what you're trying to accomplish. I'll help you determine the best next step and whether I may have an option worth exploring.
Phone: 949-633-5462
Email: sbarone@promiseloans.com
FAQ
Questions borrowers ask me all the time.
Should I talk to you before I start shopping for a home?
Yes. An early review can help you understand your price range, payment comfort and any items worth addressing before you make an offer.
Can you help if another lender already declined me?
Possibly. A decline from one lender doesn't always mean every option has been exhausted. I'll review the scenario and tell you plainly whether another path may exist.
Do I have to apply before speaking with you?
No. We can begin with a conversation. When a secure application is appropriate, I'll guide you to the next step.
Do you offer Non QM and investor financing?
Yes. Depending on the scenario and property, I can explore Non QM, jumbo and short term investor financing options in addition to traditional mortgage programs.
Can you help self employed borrowers?
Yes. Self employed income can require a more detailed review, and I can help identify programs and documentation approaches that may fit the scenario.
Do you work with real estate investors?
Yes. I work with investors on financing strategies that may include conventional, jumbo, Non QM and short term options, subject to program guidelines.