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Sam Seps

VP of Mortgage Lending
1861 California Ave, Ste 102, Corona, CA 92881
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NMLS: 245119
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TestimonialsCustomer testimonials Read more

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, donýt 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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