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Sam Seps

VP of Mortgage Lending
1484 E. Second St, Suite A, Beaumont, CA 92223
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NMLS: 245119
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This was quick, easy and painless. Sam Seps was awesome

Jean Marie B. - August | 2017

Sam Seps and his team made buying a house extremely smooth. We were in a rush and they understood that. A little over two weeks we already closed escrow. This is my first time buying a house and I am using a VA loan. I've heard it can take forever but this was just perfect. My family and I are very thankful for this team and I am already talking to coworkers about my experience. Thank you for helping us we really appreciate it. I can't say enough about how happy we are with this process.

Joshua M. | August 2017

Sam and his team were great to work with during the process! Highly recommended them for all home loan needs!

Amanda P. 7/25/17

Sam Seps and his team did a great job for me!

Jeffrey H. - July | 2017

Sam Seps is always the best.

Karen H. - July | 2017

Sam Seps is always the best.

Karen H 7/19/17

Sam Seps was amazing. Professional, honest, and and pleasure to do business with.

Christina R. 7/19/17

Sam and his team are great! He is now helping us with another project. I would not recommend any one else. Thank you Sam and your team!

John P. | July 2017

Our Loan Officer Sam Seps really made the loan process comfortable answering all our questions along the way!

Adelyn P. | 06/27/2017

Had a great experience and dealing with Sam Sepps was a pleasure

Anthony A. | 06/21/2017

Sam Sepps made the entire process easy and is extremely trust worthy. I will be recommending him to anyone I know.

Maurice S. | 06/07/2017

Sam saved my whole home buying experience. I initially was in the process with another lender who completely dropped the ball. At last minutes while my other loan was almost to underwriting, I made the call to Sam to see if he could meet the deadline only giving him about 19 days start to finish with my loan. Sam made it happen and was an absolute pleasure to work with. I bragged and bragged about him to my realtor who urged me not to switch lenders at this stage in the process. My realtor was...

Daniel A. | 05/24/2017

Sam Seps is the best loan officer I've ever worked with! I've already given his name to several people. He made the process so easy!

Linda S. | 05/08/2017

I could not have asked for a better team to work with on this entire loan process. Sam Seps and Sarah Hayes worked very diligently to help move my loan process as smoothly and efficiently from start to finish. Their prompt responses to all of my questions, their flexibility to work around my busy work schedule, the ease of signing documents when it was convenient for me (during the late night hours at the end of my work day), to just their professionalism and knowledge, was all top notch. Thank...

Carlito G. | 05/01/2017

Sam Seps did an amazing job with our loan! We can't say enough about our appreciation and how he provided excellent service 24 hours per day, 7 days per week. I rarely refer business unless it exceeds my expectations, and I have extremely high expectations, but Mr. Seps is absolutely on that short list. My family is lucky to have Sam looking out for our best interest and he has earned our business for life

Daniel L. | 05/04/2017

Sam is a wonderful individual that can work with anyone. I look forward to working with Sam again.

Lisa K. | 04/26/2017

Sam Seps and his team are truly amazing! Made this home loan the easiest we have ever experienced! Completed the loan in 21 days! Answered calls before and after hours!!!! Every time we had concerns, Sam and his team was there to explain! We have and will continue to refer people to Guaranteed Rate because of Sam and his team. We will use Guaranteed Rate for all our purchases in the future.

Perry R. - 2/28/2017

From start to finish Sam Seps and his team were incredible. They were professional throughout the process, answered our questions along the way, and did everything they could to close the loan as quickly as possible. I could not have imagined the loan process being any more seamless and easy. Thank you!

David R. - February | 2017

I worked with Sam Seps throughout the process of buying my first home. He was incredibly helpful and made himself available at all times. Anytime I would contact him, he responded immediately! He always answered my questions, and overall made this entire process stress free!

Jamileth I. - 1/23/2017

The process was the quickest, simplest and easiest process ever. We so appreciated the updates and quick closing. Thanks to all the professional gang at Guaranteed Rate

John E. - 1/12/2017

Sam Seps and his staff were extremely accommodating to both the seller and buyer. They went out of their way to meet with both at times that were convenient whether during normal business hours or other times as needed. They kept track of the progress of the loan on a regular basis and notified us well in advance of anything that was needed from either the buyer or the seller. We would be very happy to recommend their office for any needs of our family/friends.

Ephrem L. - 1/10/2017

You never know what tomorrow will bring, fate is the weight of circumstances, and circumstances can change. It's nice to know you have options... Thank You you for a fast, smooth, loan process!

David S. - 12/27/2016

Everything went really smooth, hassle free, and convenient.

Andrey A. - 12/12/2016

Sam Seps was very helpful, always there for questions and with great follow up. I am very happy to have worked with him on my loan.

Michael V. | 12/15/2016

The loan officer, Sam Seps, who handled my loan was the most courteous and professional individual I have done business with in a long time.

Andrew M. | December 2016

Sam was great and I would recommend him to anyone looking for a lender.

Kyle B. - 11/14/2016

Sam Seps is wonderful to work with! Thank you!

Travis M. | 11/30/2016

Sam and his crew did a great job, hit my loan in a timely manner and did everything he said he would. GOOD JOB!

Mitchell F. - 11/17/16

Sam was awesome! Always on top of it and kept us updated through the whole process. Thank you again Sam, as always, you were great!

Garrett M. | November 2016

Sam Seps is a top notch person, his team and follow up are excellent!

Alex Z. | November 2016

The process from application to approval and funding of our loan was professional, personable and efficient. The prompt and direct communication with our Loan Officer kept us well informed throughout all phases of our loan. Without a doubt, I highly recommend Guaranteed Rate as my number one lending institution! Thank you!

Michael C. - 11/4/2016

Our loan officer Sam Seps was outstanding! He explained what was happening in real time and explained what was going to occur. We really can't say enough great things about him and the rest of the team that he works with. I would personally like to thank you all for making this home buying experience painless and easy!

Max N. - 10/25/2016

Thanks to Sam Seps, everything went smooth and was very easy to refinance my home. I saved over two-hundred dollars a month and got my interest lowered. Thank you!

James S. | October 2016

Sam was very easy to work with and very knowledgeable about the loan process. I felt at ease and found it easy to trust the process. Sam made himself available for any questions or concerns that I had and communicated with me personally to make sure my concerns were dealt with. The process was smooth and professional with every contact. Thank you.

Jerry H. - 9/28/2016

Sam Seps did an awesome jod guiding my wife and I through the refi process. Answered all my questions and made himself available at all times of the day. Would definitely recommend friends and family to contact Sam for there mortgage needs. Thank you very much Sam and Guaranteed Rate for your undivided attention to our needs.

Luis D. - 9/30/2016

We've used Sam, our loan officer, on a previous loan and would use him again, and again!

Matthew V. | 09/07/2016

Great experience. Sam Steps is a great combination of friendly and professional. Explained information and steps along the way. Great guy!

Angela S. -Hemet, CA | AUG 2016

Sam Seps did a amazing job. I'm glad he was able to make this experience with Guaranteed Rate the best one I have had. Thank you Sam!!! I will tell everyone I know to use Guaranteed Rate.

Roosevelt J. - Long Beach, CA | AUG 2016

About Sam

I have been in the real estate business for over 20 years starting from the day I purchased my first home. Not long after that my father and I started purchasing investment properties, so my mortgage background comes firsthand.

This knowledge has lead me to a career in mortgage lending and I have been in the field for over 13 years. Experience has given me the opportunity to help all of my clients individually achieve home ownership or refinance their home to benefit their personal needs the best.

As a mortgage lender with many years of investing, I can confidently give sound advice to my clients. It is exciting to see many of my clients with equity in their home which is an investment they may have thought they never could achieve.

Sam interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
With the ever changing market, I will always use my loan resources and listen to you and your specific needs to help me find the best loan product for you. I will always provide as many options as I can to ensure you are given the options, as well as keep you in control of your loan through the entire process.
What advice would you give new or first time home buyers?
The soundest advice I give a new or first time home buyer is the same as I will give my son when his time comes to purchase his first home - always think about the future. This could mean, don't take on more debt than you can handle or know your long and short term goals and expectations of this home and I'll help keep the process as realistic as I can. I want to educate them from the initial shopping of a home through the loan process and finally the purchase
What can borrowers do to insure a smooth mortgage underwriting process?
The underwriting process is all about telling a story. I think the most important steps to ensure a smooth mortgage underwriting process would be: Provide any documents your loan team asks you for as quickly as possible, making sure the documentation is clear and legible Do NOT purchase anything new on credit or allow anyone to run your credit Do NOT deposit any cash to your accounts. These items could delay or can even make your loan unable to be approved. Always talk to your loan team and give them the most information you can so they can provide you with options for keeping the transaction as seamless as possible.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I am a very health and fitness conscious individual so in my spare time, I love to do anything outdoors. I love to fish and hike with my family in Lone Pine. We also love to ride our off road vehicles in the desert and camp.
Tell us something that makes you unique or something wacky, yet interesting about you?
In my 20s and 30s, I was in many body building competitions and to this day, I still train as if I am competing. At the age of 38 I entered my 1st powerlifting meet with my father and I broke an American record on the bench press while my dad broke a WORLD record on the deadlift. This is one of the most memorable days of my life.

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