Financing a home shouldn't be rocket science.

I'm Steve Hill, a mortgage broker with a background in math and astrophysics. Book a free Homebuyer Strategy Call and we'll work through your numbers together, with no pressure and no sales pitch.

Book my free strategy call

20+ years in the mortgage industry

Featured in the WSJ and on CNN

NMLS #339606

So who's the man behind the lab coat?

I'm Steve, also known as the Mortgage Scientist.

After more than 20 years in the mortgage industry, I noticed many of my clients had been misinformed about the process by big-box banks that put sales ahead of service.

So I created a place where buyers of every income level and goal can get a balanced perspective, without feeling pressured or judged.

I use my background as a mathematician and astrophysicist to break down complex mortgage concepts, so you can make an informed decision.

What we'll cover on your call

Whether it's your first home or your fortieth, you'll leave the call knowing your numbers and your next step.

What you can comfortably afford

As a monthly payment you're comfortable with, not just a purchase price.

Which loan programs fit you

The options that match your situation, and the trade-offs of each, in plain English.

How much cash you'll need

Down payment, closing costs, and the ways to bring that number down.

Your plan from here

Clear next steps, whether you're buying this month or next year.

Book your Homebuyer Strategy Call

A free, one-on-one call with Steve. Pick a time that works for you, and you'll get a confirmation by email right away.

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Families Steve has helped

Reviews from clients of SBC Lending, Steve's boutique brokerage in Southern California.

Refinance

After working with our bank to try and get a refinance done on our home, I got frustrated in just being another number. They would get back to me when they had time and didn't adjust to my family's needs. A friend told me about SBC and it was refreshing to have options presented and someone listen to our needs. These guys actually got my loan done and funded within 15 days!

The Namehas family

Home purchase

We had the right agent and that agent told us about SBC Lending! It was a true blessing that he did. SBC Lending explained the entire process to us and made us understand that getting prequalified was the first step in the home buying process. They made themselves completely available to us and educated us on the entire escrow process, so we knew exactly what laid ahead. We will never use anyone else for our home loan needs!!!

The Sanchez family

Repeat client

We have used SBC on several occasion and each time they have made the process smooth and easily understandable. I will never consider reaching out to another lender to handle my family's mortgage needs! They were over and beyond amazing!

The Lynggard family