Vince J.
Attentive & helpful
Attentive & helpful, completed my loan in a timely manner and closed on schedule! Will definitely use in the future.

If you are self-employed or investing in rental properties, HomeLife Mortgage was built for your situation. Traditional mortgage programs require tax returns and W-2s — and they were never designed for the way you earn. HomeLife specializes in Non-QM lending: mortgage programs that qualify borrowers based on real income, real cash flow, and real property performance. Non-QM specialists since 1990. Over $4 billion funded.Darrin Seppinni, President of HomeLife Mortgage, has been in the mortgage industry since 1982 — over four decades. He is an author, has been quoted as a Non-QM mortgage expert by CBS News, and contributes to Housing Wire.Programs for Self-Employed Borrowers — California, Florida, and Texas:Bank Statement Loans — qualify using 12 to 24 months of personal or business bank deposits instead of tax returns. No W-2s. No pay stubs.Jumbo Bank Statement Loans — larger loan amounts for self-employed borrowers with strong deposits and complex income.Bank Statement Second Mortgage — access a fixed lump sum of equity without refinancing your existing first mortgage.Bank Statement HELOC — access equity through a flexible revolving line of credit while keeping your current first mortgage in place.Programs for Real Estate Investors — Nationwide:DSCR Loans — rental property financing based on the property's cash flow instead of personal income or tax returns.No-Ratio DSCR Loans — also called No DSCR Loans — investor financing when the property has no rent, no lease, or does not meet standard DSCR requirements today.Soft credit pull upfront. Pre-approvals in as little as 48 hours. No obligation.homelifemtg.com | 888-677-2526
HomeLife Mortgage (homelifemtg.com) has 153 customer reviews on Five Star Index, with an average rating of 5.0 out of 5.
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Investments & Wealth · Seal Beach, California
Excellent

Investments & Wealth · Calabasas, California
Excellent

Investments & Wealth · Orange, California
Excellent

Investments & Wealth · Los Angeles, California
Excellent
153 approved reviews, newest moderated first
Vince J.
Attentive & helpful, completed my loan in a timely manner and closed on schedule! Will definitely use in the future.
Omar
Jayne Seppini is the best mortgage loan officer you will ever want to work. After been given multiple broken promised, missed deadline and not closing on our home by another mortgage broker I gave Jayne a call on a Friday evening. We only had one shot to close this deal, and it needed to happen in three weeks. Immediately, Jayne understood the sense of urgency and started working on our approval. Without missing a single deadline and with the utmost attention to detail, we closed on our home in three weeks. She always responded to my emails and messages, never made me feel like I was bothering and delivered to us. I do recommend any person looking into home financing to look no further or any other place than Homelife and its team.
Jesse M.
I used Home Life To get a loan on a rental property and they were amazing to work with. They closed in under 3 weeks and had great communication the entire way. I plan to use them many more times as I build my rental portfolio!
Esther M.
Darrin and Jayne Seppini are top notch professionals, and what a dynamic duo they are! From the moment of our first introduction to each other via telephone and email you feel like a valued client and are in good hands. They are with you every step of the way and make everything seamless. So happy to have found them. I will definitely use them again. Thank you! When we thought we couldn’t get a loan, here they were with a great solution for us. They specialize in investment loans and have great product offerings.
Kevin D.
Being Self Employed and getting a refi can be very tough! Darren, Jayne and Carol made it super simple and found me a very good rate! They stayed in contact, were very responsive and it only took about 30 days to get funded! If you are looking to buy or refi give them a shot, they are very professional! Thanks!!
Rashid A M.
Darrin and his team at Homelife were great. They provided me with an incredible low rate and fees, that I couldn’t believe when comparing to other lenders I shopped with. My loan was for one of my investment properties and I didn’t have to provide any income documentation. It was fast and easy.
Jon M.
I was searching for a bank statement loan and that is where I learned of Homelife’s services via the internet. I was already under the gun with a home under contract and was working with another mortgage broker that surprised me with ridiculous fees and rates at the last minute. Not knowing much about Homelife, aside for researching them online, I gave them a chance to do better on my loan. They exceeded my expectations and I decided to secure my home loan with them. Jayne and family did a wonderful job servicing my loan. They were up front with my fees and the program they thought I was the best candidate for went through seamlessly. Anytime I had questions, they were completely accessible and responsive. Had to deal with conditions like any other loan but Homelife steered me through the underwriting jungle and now I happily sit in my single family home in South Florida. Definitely recommend them for a bank statement loan for a self employed entrepreneur. Sure they will do well for any loan you utilize their services for but my experience with them was for the bank statement loan and that I can attest to 100%!
Brandon B.
We recently funded two private money loans on luxury properties in southern California with Homelife Mortgage. Homelife was a pleasure to work with, they expedited our loans with prompt attention and professionalism. Many thanks to Darrin and his team!