Mortgage Broker in Carmel, CA
Mortgage solutions for Carmel homebuyers, homeowners, self-employed borrowers and real estate investors.
- 20+ Years Experience
- Specialty Mortgage Options
- Carmel Office
45+ Google Reviews · Santa Cruz
20+ Years
Mortgage Broker Experience
60+ Google Reviews · Carmel
NMLS #279284
Licensed Mortgage Professional
Mortgage Solutions for Carmel Homebuyers, Homeowners & Investors
From purchasing or refinancing a home to financing an investment property or more complex transaction, SV Mortgage Group helps Carmel borrowers explore mortgage options based on their financial profile, property and goals.
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Homebuyers & Homeowners
Explore mortgage options for purchasing a home, refinancing an existing property or navigating a transaction that may require a more flexible financing approach.
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Self-Employed Borrowers
Business owners, independent professionals and other self-employed borrowers may have mortgage options that evaluate income differently from traditional documentation.
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Real Estate Investors
Explore financing for qualifying rental properties, investment purchases, renovation projects, land and other real estate investment opportunities.
Tell Us About Your Mortgage Needs
Loan Programs for Carmel Borrowers
Whether you're financing a home, investment property or a transaction that requires a more specialized approach, SV Mortgage Group can help you explore loan options based on your financial profile, property and goals.
Bank Statement Loans
Mortgage options for qualifying self-employed borrowers and business owners using bank statements to help document income.
Explore Bank Statement LoansDSCR Loans
Investment property financing that may qualify primarily based on the property's rental income and cash-flow profile.
Explore DSCR LoansBridge Loans
Short-term financing for qualifying homeowners and investors when the timing between a new purchase and another property sale matters.
Explore Bridge LoansHard Money Loans
Short-term real estate financing for qualifying investment purchases and other time-sensitive property transactions.
Explore Hard Money LoansFix & Flip Loans
Financing for investors purchasing and renovating qualifying properties for resale or another planned investment exit.
Explore Fix & Flip LoansLand Loans
Financing options for qualifying vacant land, raw land and residential lot purchases throughout California.
Explore Land LoansNot sure which financing option fits your scenario? SV Mortgage Group can review your property, financial profile and goals to help identify mortgage options worth considering. View All Loan Programs →
Mortgage Options for Different Types of Borrowers
SV Mortgage Group works with Carmel borrowers across a range of financial profiles, property types and real estate goals. The right mortgage option depends on more than the property alone.
Whether you're buying or refinancing a home, self-employed, investing in real estate or navigating a transaction that doesn't fit standard mortgage guidelines, Shane can help evaluate financing options based on the details of your individual scenario.
Why Work With a Mortgage Broker in Carmel?
Working with a mortgage broker gives you the opportunity to explore financing across multiple lending sources and loan programs instead of relying solely on the options available from one bank or mortgage lender.
One Lending Institution
Working With a Single Lender
A bank or direct lender generally evaluates your mortgage application using its own available loan programs, lending guidelines and qualification requirements.
- Access to that institution's available loan programs
- Qualification based on that institution's guidelines
- Available alternatives depend on that lender's product lineup
SV Mortgage Group
Working With a Mortgage Broker
SV Mortgage Group can evaluate your borrower profile, property and financing goals across multiple lending sources, helping you explore mortgage programs that may fit both straightforward and more specialized scenarios.
- Access to multiple lending sources and mortgage programs
- Traditional and specialty financing options to consider
- Direct guidance from one experienced mortgage professional
Mortgage programs and qualification requirements vary by lender. Comparing options across multiple lending sources can be especially useful when your income, property or financing needs require a different approach.
Mortgage Financing for the Carmel Real Estate Market
Financing a property in Carmel can require a different approach depending on the home, borrower, purpose of the purchase and overall structure of the transaction.
SV Mortgage Group helps Carmel homebuyers, homeowners and real estate investors explore financing for primary residences, investment properties and transactions that may benefit from access to more specialized mortgage options.
Primary Residences
Mortgage options for qualifying home purchases and refinances in Carmel.
Investment Properties
Financing for qualifying rental properties, investment purchases and other real estate opportunities.
Unique Properties & Scenarios
Financing options to consider when the property, borrower or transaction doesn't fit a standard mortgage profile.
Time-Sensitive Transactions
Financing structures to consider when purchase, sale or closing timelines are an important part of the transaction.
Mortgage Solutions for More Complex Financing Scenarios
Some borrowers, properties and real estate transactions don't fit neatly within standard mortgage guidelines. SV Mortgage Group can help evaluate specialty financing options based on the details of your scenario.
Self-Employed Income
Business owners and self-employed borrowers may have mortgage options that evaluate income differently from a traditional documentation approach.
Real Estate Investors
Financing may be available for qualifying rental properties, investment purchases, renovation projects and other real estate investment strategies.
Unique Properties & Transactions
Land, certain condominium situations, property conditions and other less typical transactions may require a different financing approach.
Alternative Financing Needs
Bridge loans, hard money and other specialty structures may provide options when a conventional mortgage does not fit the transaction.
Expert Mortgage Guidance for Carmel Borrowers
With more than 20 years of mortgage experience, Shane Valente helps Carmel homebuyers, homeowners, real estate investors and self-employed borrowers evaluate financing based on their financial profile, property and goals.
20+ Years of Experience
Decades of mortgage experience navigating traditional transactions as well as more complex borrower, property and financing scenarios.
Access to Multiple Financing Options
Explore mortgage programs from multiple lending sources, including traditional and specialty financing options for a range of borrower and property needs.
A Customized Approach
Financing options are evaluated around your financial profile, property and objectives rather than taking a one-size-fits-all approach.
Local, Responsive Guidance
Work directly with an experienced mortgage broker with a local office in Carmel and personalized guidance throughout the financing process.
What Carmel Clients Say About SV Mortgage Group
See what borrowers have shared about working with Shane Valente and SV Mortgage Group for home purchases, refinancing and more complex financing scenarios.
Google Review
“Shane and his team made our refinance process incredibly easy and straightforward. They took the time to explain every step, answered our questions promptly, even late at night and showed so much patience throughout. We truly appreciate their thoroughness and the peace of mind they gave us. It couldn’t have been a smoother experience. Thank you Shane & Team!”
Google Review
“Shane was a great help in every step of the way with our purchase. He was very helpful and informative and above all a good person that was available to any questions I had. As a first time home buyer he helped catch me up to speed on how this all works. I would definitely recommend Shane.”
Google Review
“Shane and his team were great to work with. Shane was by far the best at communication compared to other lenders we spoke with. He was always available and prompt throughout our home buying processing, which was important because things move and change quickly when negotiating. He’s also very knowledgeable and was always willing to explain anything we had questions about.”
Google Review
“Our purchase was on the brink of collapsing until SV Mortgage Group set up a flawless bridge loan for us. They moved with absolute precision and kept us updated daily so our anxiety stayed completely manageable.”
Google Review
“Shane structured a private loan for my investment when every retail bank told me 'no'. His access to alternative capital literally saved my project and set us up for a great return.”
Google Review
“We were going through a different mortgage broker and they were unable to secure a loan due to an unusual property type. Shane advised us about how to approach the loan and help us correct our application. Jeanette was great as the task master with clear and prompt communication.”
Common Questions About Mortgages in Carmel
Mortgage options can vary based on your financial profile, property and the purpose of the transaction. Here are answers to common questions about working with a mortgage broker and financing real estate in Carmel.
A mortgage broker helps borrowers evaluate financing options from multiple lending sources rather than being limited to the programs offered by a single bank or mortgage lender. A broker can review your financial profile, property and financing goals, identify programs that may fit your scenario and help guide you through the mortgage process.
Working with a mortgage broker gives you the opportunity to explore financing across multiple lending sources. This can be useful when purchasing or refinancing a home in Carmel, financing an investment property or navigating a scenario that may not fit the guidelines of a single lender. Available programs will depend on your qualifications, property and transaction.
Financing options may be available for primary residences, refinancing, self-employed borrowers, rental properties and other real estate investments. Depending on the borrower and transaction, specialty options may also include bank statement, DSCR, bridge, hard money, fix-and-flip and land loans.
Explore SV Mortgage Group's loan programs to learn more about the different financing categories available.
Yes. Qualifying self-employed borrowers may have mortgage options using traditional documentation as well as programs that evaluate income differently. Depending on the program and borrower profile, bank statements may provide an alternative way to evaluate qualifying income for certain business owners and self-employed borrowers.
Learn more about bank statement loans for qualifying self-employed borrowers and business owners.
Real estate investors may have financing options for qualifying rental properties, property acquisitions, renovation projects, land and other investment scenarios. Depending on the property and transaction, options may include DSCR loans, bridge financing, hard money or fix-and-flip financing.
For qualifying rental properties, DSCR loans may use the property's cash flow as part of the qualification process.
A mortgage broker may be particularly useful when the borrower, property or transaction falls outside standard mortgage guidelines. Access to multiple lending sources can provide additional programs to evaluate for self-employed income, investment properties, certain condominium situations, land, renovation projects and other less typical financing scenarios.
SV Mortgage Group can review the borrower, property and transaction together to help identify financing options that may be worth considering.
Depending on your qualifications and the properties involved, bridge financing may provide a way to purchase another home before your current property has sold. Bridge loans are generally designed as short-term financing, and the appropriate structure depends on the borrower, available equity, properties and overall transaction.
Learn more about bridge loans and how they may fit certain purchase and sale timelines.
Start by sharing a few details about the property, financing you need and what you are trying to accomplish. Shane Valente can review your scenario and help you explore mortgage options based on your financial profile, property and financing goals.
Contact SV Mortgage Group to discuss your financing needs or call the Carmel office at 831-200-8435.
Ready to Discuss Your Mortgage Needs?
Tell us about the property, financing you need and what you're trying to accomplish. Shane Valente can review your scenario and help you explore mortgage options based on your financial profile, property and goals.