Business Details
Your Trusted Mortgage Partner in Upland, CA
At Full Circle Home Loans, we prioritize building meaningful relationships while simplifying the home financing process. Our team is dedicated to making home buying and refinancing as seamless as possible through a user-friendly online document portal and personalized support. With decades of combined mortgage experience, we offer tailored loan solutions for first-time buyers, investors, and everyone in between. Our services span conventional, VA, FHA, and specialized programs like STR financing, ensuring clients receive competitive rates and terms.We are committed to environmental responsibility through paperless processes and sustainable office practices. Our mission is to create lifelong relationships by guiding clients through every step of homeownership, from initial purchase to investment properties. With offices across multiple states, we combine local market knowledge with national expertise to serve diverse client needs.
Services
First Time Homebuyer Loans
VA Loans
FHA Loans
Bank Statement Loans
STR Financing
Jumbo Loans
Medical Professional Loans
Down Payment Assistance
Vacation Property Loans
Investor Loans
Highlights and features
- We offer 15+ years of combined mortgage expertise across our team
- Our proprietary STR financing process simplifies vacation property investments
- We provide 24/7 client support through digital document portals and direct communication
- Our team includes a 14-time Airbnb Superhost for STR consulting expertise
- We maintain a paperless workflow with biodegradable office materials for sustainability
What people say
100s Of happy clients
15+ Years of Mortgage experience
Lifelong relationship
Best home loan
Smooth process
Services
First Time Homebuyer Loans
Specialized mortgage solutions for first-time buyers with competitive rates and down payment assistance options. Our team provides step-by-step guidance through the entire process. We help clients understand eligibility requirements and secure optimal financing for their first home purchase.
VA Loans
Exclusive mortgage programs for veterans and active military personnel with zero down payment options. We assist with VA loan applications and certification requirements. Our specialists ensure veterans receive the full benefits of their service-related home financing entitlements.
FHA Loans
Low-down-payment mortgage options insured by the Federal Housing Administration. We help clients with credit challenges qualify for FHA financing. Our process includes detailed counseling about FHA requirements and long-term affordability considerations.
Short-Term Rental Financing
Specialized loans for vacation rental properties with 10% down payment options. Our team includes an Airbnb Superhost consultant for operational guidance. We evaluate STR potential based on location, zoning regulations, and projected rental income.
Bank Statement Loans
Alternative documentation loans for self-employed borrowers using bank statements instead of tax returns. We help clients with non-traditional income qualify for mortgages. Our process focuses on cash flow analysis and financial stability assessment.
People
Seth Anapolsky
Owner/Broker
Mortgage industry veteran with over 20 years' experience. Specializes in relationship-based lending and sustainable business practices. Leads team with focus on client-first philosophy and innovative financing solutions.
Spencer Colburn
Loan Officer
Mortgage guidelines expert known for exceptional problem-solving skills. Manages complex loan scenarios with precision. Recognized for encyclopedic knowledge of underwriting requirements and regulatory compliance standards.
Summer Luszeck
Office Director
Client experience specialist with background in HR administration. Oversees operations and compliance. Brings unique perspective from personal experience as former client during her first home purchase journey.
Tiffany Katuls
Client Communications Manager
Airbnb investment specialist and STR consultant. Manages client relationships and educational initiatives. Provides expert guidance on vacation property investments and short-term rental management strategies.
Raquel Sanchez
Mortgage Loan Officer
25-year real estate veteran with accounting and finance expertise. Specializes in residential financing for families and investors. Known for meticulous attention to detail and clear communication throughout the loan process.
Questions
What loan programs do you offer?
We offer conventional, VA, FHA, USDA, jumbo loans, and specialized programs including STR financing, medical professional loans, and down payment assistance.
Do you help with vacation property investments?
Yes, we specialize in STR financing for vacation rentals with 10% down options and expert guidance from our Airbnb Superhost consultant.
How are you different from big banks?
As a mortgage broker, we access multiple lenders to find your best rate rather than offering one-size-fits-all products like traditional banks.
Do you offer eco-friendly services?
We maintain a paperless workflow and use biodegradable materials to minimize environmental impact while helping clients achieve homeownership.
