Business Details
19 Years
experience
Your Trusted Mortgage Partner in Rancho Cucamonga
Esteem Mortgage was founded in 2007 by Sandra Johnson during one of the most challenging periods in the mortgage industry. Initially operating as an independent broker, the company transitioned to a banker role with Mt West Financial in 2010 while maintaining its brand identity. Since 2010, the company has returned to its independent broker roots to better serve clients with competitive pricing and tailored solutions. Our team of loan officers brings over a decade of experience in conventional, FHA, VA, USDA, Jumbo, and Reverse Mortgages, supported by dedicated operations staff specializing in loan origination, processing, and closing. We pride ourselves on innovative programs like Bank Statement loans and High Balance loan solutions for underserved markets such as the Inland Empire.Our commitment to excellence has earned national recognition, including Top 1% Fastest Closing Loan Officer and Top 1% Fastest Growing Loan Originator awards in 2019. With multilingual capabilities in Spanish and Vietnamese, we serve diverse client needs while maintaining a focus on timely closings and personalized service. Our leadership team, including CEO Sandra Johnson, has decades of combined experience navigating market cycles and regulatory changes. We maintain rigorous operational standards through documented processes that ensure consistency and reliability across all transactions. Esteem Mortgage remains dedicated to evolving with industry trends while upholding our core values of transparency, expertise, and client-centric service.
Services
FHA Loans
VA Loans
Conventional Loans
Jumbo Loans
Reverse Mortgage
Cash-Out Refinancing
First Time Homebuyer Programs
Bank Statement Loans
Details
- Year established: 2007
Highlights and features
- Our loan officers average 10+ years of mortgage industry experience
- We offer 7 distinct mortgage product lines including specialty programs
- Award-winning track record for fastest loan closings nationwide
- Multilingual support in Spanish and Vietnamese available
- Proven processes ensure consistent, reliable transaction outcomes
Associations and certifications
- NMLS #330369
- NMLS #1821361
Services
FHA Loans
FHA loans provide accessible homeownership opportunities with low down payment requirements and flexible qualification criteria. Ideal for first-time buyers, these government-backed mortgages offer competitive interest rates and lenient credit score requirements. Our experienced team guides clients through the entire FHA loan process from pre-approval to closing.
VA Loans
VA loans offer exclusive benefits for veterans, active military personnel, and eligible family members. These zero-down payment mortgages feature competitive rates and no private mortgage insurance requirements. Our specialists help military families navigate the VA loan process with expertise and appreciation for their service.
Conventional Loans
Conventional loans provide flexible financing options for home purchases and refinancing. Available with fixed or adjustable rate structures, these mortgages suit borrowers with strong credit profiles seeking competitive rates. Our team offers conventional loan solutions for primary residences, investment properties, and second homes.
Jumbo Loans
Jumbo loans serve high-value property purchases exceeding standard conforming loan limits. These specialized mortgages accommodate luxury home buyers and unique real estate investments. Our jumbo loan program offers tailored underwriting and competitive pricing for premium properties in high-cost markets.
Reverse Mortgage
Reverse mortgages provide financial flexibility for homeowners aged 62+. These specialized loans convert home equity into tax-free funds while allowing borrowers to remain in their homes. Our counselors explain all options to help seniors make informed decisions about their retirement finances.
People
Sandra Johnson
CEO & President
Sandra Johnson founded Esteem Mortgage in 2007 and has led its evolution through changing market conditions. With decades of mortgage industry experience, she oversees strategic direction while maintaining hands-on involvement in client service standards.
Questions
What mortgage programs do you offer?
We offer FHA, VA, Conventional, Jumbo, Reverse, USDA, and specialty loans including Bank Statement and High Balance programs for unique situations.
Do you serve first-time homebuyers?
Yes, we specialize in first-time homebuyer programs with low down payment options and flexible qualification requirements.
Are you a direct lender?
Yes, we operate as an independent mortgage broker with direct lending capabilities through multiple funding sources.
Do you offer multilingual support?
Our team provides mortgage services in English, Spanish, and Vietnamese to better serve diverse communities.
What areas do you serve?
While based in Rancho Cucamonga, we provide mortgage services throughout California's Inland Empire and surrounding regions.
How quickly can you close a loan?
Our streamlined processes consistently deliver among the fastest loan closings nationwide, with award-winning efficiency since 2019.
