805-504-3919

Start Your Ideal Mortgage Journey Here

Open the door to your dream home today

Explore a range of mortgage options tailored to your goals. From first time buyers to seasoned homeowners, we provide clear guidance and steady support throughout the entire homebuying process.

Unlock the financial benefits of refinancing

Maximize the advantages of mortgage refinancing through strategic timing and leveraging benefits such as lower interest rates, reduced payments, accessing home equity, and adjusting loan terms.

Secure the funds for your next property

Unlock financing solutions for your commercial property needs. Whether you're purchasing, refinancing, or expanding, we offer tailored loan options to help your business thrive.

Flexible financing for unique income situations

Explore Non-QM loan options for borrowers who don’t fit traditional guidelines. Whether you’re self-employed, have variable income, or need alternative documentation, we offer solutions that consider your full financial picture.

Build your vision from the ground up

Secure a construction loan tailored to your project, from custom homes to major renovations. With flexible draw schedules and steady guidance, we help keep your financing on track with your timeline and budget.

Real Experiences. Real Confidence.

Michelle did an amazing job helping us with the purchase of our first house. She was very knowledgeable about the process and helped us whenever we needed it. Michelle even assisted us on rainy days to tour many prospective homes for us to choose from. She always provided us with helpful advice and recommendations to make our process of choosing a home very smooth. Michelle was very easy to get a hold of whenever we needed and she would always get back to us as soon as she could.

Camarillo, California

Michelle is highly knowledgeable in the field and very responsive to inquires. During the selling process, she will take time to explain each document to thus making the selling process enjoyable for first time home sellers. She was always on top of deadlines and will follow up if something was running behind or late. It was a pleasure in working with her!!

Newark, California

Professional, knowledgeable and caring .She was amazing. Fast responses, always kept us informed, answered all our questions and explained everything throughly. She was a pleasure to work with. Would definitely recommend her to anyone.

Fountain Valley, California

I’m so happy that i chose Michelle to be my agent. She’s work hard to meet all my expectations. Fast response and give good advice is what i like about her, she doesn’t rush me to chose, but instead she listen of what i like or dislike to guide me to a correct direction. Thanks to her now i had own a house that i like.

San Fernando, California

First off, is six stars even possible? Michelle made the home buying process easy and smooth. She is patient, knowledgeable, and always available. She helped our family understand the process of buying, important deadlines and she also made sure that there were no unexpected issues with the closing. We recommend Michelle to any family looking to buying a home.

Oxnard, California

I have never experienced such a hard working agent. Michelle was continually updating us on changes in the market and notifying us immediately when new listings became available. She is knowledgeable and caring, and provided a wonderful experience for us.

Westlake Village, California

Michelle brings a wealth of valuation knowledge to the home selling process. She was an amazing agent during the recent sale of our home in Simi Valley, CA. She knows the market, understands the trends, is perceptive of the interests of the various stakeholders in the process. She goes above and beyond what I would expect a realtor to do on many fronts. Her many years as an appraiser was very instrumental in obtaining a very high sale price, much more than the recent comps in our area. I can not recommend Michelle highly enough.

Simi Valley, California

Loan Options Built Around You

Whether you're buying your first home, refinancing, or investing, we’ll help you choose a loan that fits your goals.

Fast Pre-Approval

Get pre-approved quickly with just a few clicks—no waiting, no stress. Start your home search knowing exactly what you can afford.

Flexible Loan Options

From first-time buyers to refinancing, we’ve got loan options that match your needs and goals—simple, smart, and flexible.

Easy Online Process

Apply, upload docs, and track your loan online—anytime, anywhere. No office visits or paperwork headaches.

Helpful Support Team

Need help? Our real people are here for you—no bots, no scripts. Just honest support whenever you need it.

A Smarter Approach for Homebuyers and Investors

Step 1 — Connect

We start with a real conversation about your goals, timeline, and financial picture. Every loan begins with understanding what matters most to you.

Step 2 — Guide

We review your options across a wide range of mortgage and commercial products and explain them clearly, so you can make informed decisions with confidence.

Step 3 — Close

From processing to final approval, our in house team and technology work together to keep your loan moving smoothly all the way to closing.

Ready to Take the Next Step?

Discover fast approvals, flexible options, and a dedicated team ready to help you every step of the way.

Ready to Take the Next Step?

Discover fast approvals, flexible options, and a dedicated team ready to help you every step of the way.

Whether it’s your first home, dream home or your investment home loan…We bring you home!

ESummitLoans Inc. is a licensed mortgage broker. All loan programs are subject to credit approval. Rates and terms are subject to change without notice.