Business Details
20 Years
experience
Your Trusted Mortgage Partner in Southern California
Established in 2006 by Southern California native Brian Barre, SPEC Home Loans has redefined mortgage industry standards through transparency and client-centric service. Our team of seasoned professionals combines decades of collective experience with a commitment to simplifying the loan process for homebuyers across multiple states. We leverage deep industry knowledge to deliver competitive rates and tailored financing solutions, maintaining rigorous compliance with regulatory requirements through our NMLS and California Finance Lenders Law licenses.Our operational philosophy emphasizes clear communication, eliminating hidden fees, and providing comprehensive guidance throughout every stage of the mortgage journey. With a proven track record of funding over $1 billion in loans, we maintain active engagement with local real estate markets while supporting clients through evolving financial landscapes.
Services
Home Purchase Loans
Refinance Loans
First Time Buyer Programs
VA Loan Services
Jumbo Conforming Loans
USDA Rural Financing
Reverse Mortgage Options
Asset Depletion Mortgages
Details
- Year established: 2006
Highlights and features
- 10+ years serving Southern California mortgage needs
- Access to industry-leading loan programs and rates
- Fully transparent fee structures and processes
- Team of NMLS-licensed professionals with $1B+ funded
- Client-first approach with personalized loan guidance
What people say
Best rates available
Excellent communication
Professional team
Transparent process
Quick approvals
Services
Home Purchase Loans
Our home purchase loans provide tailored financing solutions for first-time buyers and experienced homeowners. With access to conventional, FHA, and USDA programs, we help clients secure competitive rates matching their financial profiles. Our process includes personalized rate consultations and documentation guidance to streamline home acquisitions.
VA Loan Services
Specialized mortgage programs for eligible veterans and service members feature zero down payment options and favorable terms. Our VA-certified specialists navigate benefit utilization while maintaining compliance with military lending regulations. We handle both standard VA loans and IRRRL refinances for existing VA mortgage holders.
Jumbo Conforming Loans
Designed for premium property purchases exceeding conventional loan limits, our jumbo loans offer competitive pricing for high-value transactions. We service loans up to $10 million with flexible underwriting standards, catering to unique financial situations while maintaining risk-appropriate terms for luxury home acquisitions.
Reverse Mortgage Options
Tailored solutions for homeowners aged 62+ convert home equity into tax-free funds without requiring property relinquishment. Our HECM-certified counselors explain program requirements, including mandatory counseling requirements, while comparing alternatives like proprietary reverse mortgage products for specific financial needs.
Asset Depletion Mortgages
Ideal for clients with significant liquid assets but non-traditional income streams, these mortgages calculate repayment capacity using asset reserves. We guide clients through documentation requirements that demonstrate sustained asset availability while structuring terms that align with long-term financial planning objectives for high-net-worth borrowers.
People
Brian Barre
Founder, Mortgage Banker
Established SPEC Home Loans in 2006 after graduating from USC with a degree in Public Policy. Recognized for industry excellence through consistent sales performance and client satisfaction. Holds active mortgage banking licenses in multiple states while maintaining operational oversight of company growth strategies.
Keith Iwanabe
Branch Manager
Licensed mortgage professional with 18+ years experience across diverse financial sectors. Joined SPEC in 2021 for its client-focused model after successful tenures at major financial institutions. Personally funded $1B+ in residential loans while maintaining active involvement in realtor partnership development.
Kiley Pena
Funding/Post Closing Department
Mortgage industry veteran with 12 years experience transitioning from banking and escrow operations. Joined SPEC in 2015 to streamline post-closing processes. Specializes in coordinating complex transaction requirements while ensuring compliance with evolving regulatory standards across multiple state jurisdictions.
Bradley Wyatt
Setup Specialist
Marketing graduate with specialized expertise in mortgage operations systems. Provides technical support for loan origination software while maintaining client communication protocols. Focuses on optimizing digital workflows to reduce processing times without compromising documentation accuracy.
Questions
What mortgage programs do you offer for first-time homebuyers?
We provide FHA loans with low down payments, USDA zero-down options for rural properties, and state-specific first-time buyer grants. Our specialists help determine eligibility for down payment assistance programs across our service areas.
Can I refinance my existing mortgage through SPEC?
Yes, we offer conventional refinancing, VA IRRRL, FHA Streamline, and HARP 2.0 programs. Our team analyzes current loan terms to identify potential savings through rate reduction or term adjustments while considering closing costs.
What documentation is required for jumbo loan applications?
Jumbo loans require standard income verification (W-2s, pay stubs) plus asset documentation (bank statements, investment accounts). We may request additional liquidity proofs for loans exceeding $3 million or properties valued above typical market benchmarks.
How does the reverse mortgage process work?
The process includes mandatory counseling, property appraisal, and financial assessment. We explain different payment options (lump sum, monthly, or line of credit) while ensuring clients understand implications for property ownership and future obligations.
Are there any prepayment penalties on your mortgage products?
No, our standard mortgage products do not include prepayment penalties. We provide loan estimates detailing all potential fees during application, ensuring complete transparency about long-term financial commitments.
