Business Details
34 Years
experience
Trusted Mortgage Services in Thousand Oaks, CA
Summit Mortgage has been dedicated to providing personalized mortgage solutions since 1992. Our team of experienced professionals prioritizes client relationships, offering tailored real estate financing options that meet diverse needs. With over $1 billion in mortgage financing arranged, we combine decades of industry expertise with a commitment to lifelong client partnerships. Our services span residential and commercial loans, reverse mortgages, and specialized programs for unique financial scenarios. We distinguish ourselves through transparent communication, innovative strategies, and a deep understanding of California's real estate market.Our consultants work closely with clients to visualize and achieve their property goals while leveraging proven best practices. As a client-led organization, we maintain a balance between direct lending capabilities and broker flexibility to ensure optimal outcomes. Our reputation for reliability is built on consistent service excellence and a focus on long-term financial well-being for our clients.
Services
Mortgage Loans
Refinancing
Reverse Mortgages
Commercial Loans
Construction Loans
FHA Programs
Jumbo Financing
Details
- Year established: 1992
Highlights and features
- We have over 30 years of experience in mortgage services across California
- Our team offers personalized loan solutions tailored to client financial situations
- We provide a wide range of mortgage options including jumbo, FHA, VA, and reverse mortgages
- Our consultants have decades of combined experience in real estate financing
- We prioritize client satisfaction with transparent communication and dedicated support
What people say
Experienced professionals
Smooth process
Tailored solutions
Knowledgeable consultants
Professional service
Services
Mortgage Loans
Summit offers comprehensive mortgage loan solutions for residential and commercial properties. Our experienced team helps clients secure financing options that match their specific financial situations and property goals. We provide personalized guidance through the entire loan process from pre-approval to closing, ensuring competitive rates and terms that align with each client's unique needs.
Reverse Mortgages
Our reverse mortgage programs help qualified homeowners access their home equity while maintaining property ownership. Designed for clients aged 55+, these solutions provide financial flexibility through cash payments or credit lines while eliminating monthly mortgage obligations. We ensure clients understand all program requirements and implications before proceeding.
Refinancing
Summit's refinancing options help homeowners reduce monthly payments, consolidate debt, or access home equity. We evaluate each client's financial situation to determine optimal refinancing strategies, including cash-out options and accelerated payment plans. Our process simplifies rate locks and ensures transparent communication throughout the refinancing timeline.
Commercial Loans
We provide specialized commercial financing for apartment buildings, office spaces, and industrial properties. Our SBA and conventional loan programs accommodate various property types and investment strategies. With expertise in 1031 exchanges and multi-million dollar transactions, we deliver tailored solutions for real estate investors and business owners.
Construction Loans
Our construction loan programs support residential and commercial development projects. We offer financing for new construction, ADUs, and property renovations with flexible terms that match project timelines. Our team coordinates with builders and contractors to ensure smooth funding disbursements and timely project completion.
People
Eric Rolph
Founder / Broker
With 30+ years in real estate finance, Eric specializes in creating customized mortgage solutions. His client-focused approach combines triathlon discipline with financial expertise to deliver successful outcomes.
Julie Langer
Property Manager
Julie brings two decades of property management experience, ensuring accurate accounting and maintenance oversight. Her technological proficiency streamlines landlord-tenant operations while maintaining personal service standards.
Duane Espinosa
Mortgage Operations
Duane's 20+ years in lending established efficient underwriting systems. His expertise in mortgage guidelines ensures smooth loan processing and regulatory compliance for diverse loan products.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans with low down payments, state bond programs with down payment assistance, and conventional loans with flexible qualification requirements for first-time buyers.
Can I refinance my current mortgage to get a lower rate?
Yes, our refinancing specialists evaluate market conditions and your financial profile to determine if rate reduction refinancing would benefit your specific situation.
How do reverse mortgages work for retirement planning?
Reverse mortgages allow qualified homeowners to convert equity into tax-free funds while eliminating monthly payments, providing financial flexibility for retirement.
What documentation is needed for mortgage approval?
Typical requirements include income verification (pay stubs/W-2s), asset statements, ID, and property information. Our team guides clients through the specific documentation needed.
Do you offer construction loans for custom homes?
Yes, we provide construction-to-permanent financing with flexible terms for residential and commercial building projects, including ADUs and major renovations.
