R. P.
Jayne was phenomenal in helping us get …
Jayne was phenomenal in helping us get our loan. She always made herself available to any questions we had and helped us through this process. Extremely knowledgeable. Customer service at its best.

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
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Showing 152 reviews with 5 stars · Clear filters
R. P.
Jayne was phenomenal in helping us get our loan. She always made herself available to any questions we had and helped us through this process. Extremely knowledgeable. Customer service at its best.
Dane J.
Working with HomeLife made a huge difference for us. We had another company drop the ball and almost caused us to lose our dream home. Jayne came through for us & closed our loan with no trouble. Highly recommended!!
J T.
This guys are really good. They have helped me with a few private money transactions and were fast and very reliable. THANK YOU!!
Jason W.
This was my 2nd time to get help from Homelife Mortgage and Jayne was very helpful to assist my family with all the troubles and got a very good rate on my refine. 5 Stars for Jayne not only she's very knowledegable but also very efficient. I have also referred my co-worker to Jayne and received a strong positive feedback from her. So if you having trouble finding the right person. Jayne won't disappoint you.
Toni & Chris C.
We ONLY use Homelife Mortgage! They have completed at least 5 full transactions for us over the years. They are the only ones that we trust. Jayne and her team and quick to respond and always go the extra mile. We do most of our communication through email which makes it so convenient for us. I would highly recommend that you give them a call or send them a quick email just to see if they can help you! You won't be disappointed!
Yolanda T.
Jayne and her staff were very helpful and caring at my time of doing a refinance. She is very knowable and professional, I would highly recommend Homelife Mortgage.
Raymond & Dorothy G.
Yes I just did this past Tuesday and it was to someone I care very dearly about. I would recommend MR Seppolini and the very knowledgeable and unbelievable customer oriented staff he surrounds himself with, all top of the line professional, courteous, and down to earth individuals whom truly go above and beyond to get the best possible outcome for us, their clients. I Raymond Gannon and my wife of 48 years Dorothy whom have purchased, refinanced, and sold six homes - located in Haskel NJ - MIRA Mesa CA - Wayne NJ - Highland Lakes NJ - Little Egg Harbor NJ and our current home here in Portola Hills section of Lake Forest Orange County CA. The reason I and my wife are so impressed and satisfied with MR Seppolini and his outstanding organization is as follows. I am A veteran of the United States Army who served from 1964 thru 1967 and I had never in all the time prior to meeting MR Sepppolini used my VA benefits for anything whatsoever. After A tortures year of looking into refinancing our present home I could not come to an arrangement with any financial institutions in Orange County whom I had discussed refinancing my home with and there were many. They just could not provide me with A sensible reason why I would want to refinance, in other words they just did not understand my reason for wanting to refinance, after all this is A big decision to make and especially at our ages preparing to go into retirement. I actually gave up for A while. Then when I realized what I needed to get the refinance that would not only work for us then but also would allow us to live worry free now I decided to use my VA benefits and that is when I met MR seppolini and he took us thru every step, made the things we needed to happen ( HAPPEN ) to make our lives stable enough to begin to plan our retirements, in other words he saw and understood what the others had not, he saw my wife and I as two people who were unsure to say the least, about what was ahead of us and were we making the right decision. I am grateful to have this opportunity to let others who are going thru what we as far as our specific circumstance were experiencing at that time know, That in MR Seppolini all who come to know him will find much, MUCH more than A mortgage broker, they will find A man who truly cares about the needs of his clients and will do whatever is in his power to do, to help them make the right choices that are in their best interest and provide them with an answer to every question no matter how trivial it may appear to others, to him it is the most important question to his clients.
Desiree M.
Homelife Mortgage and its team are definitely trust worthy. They are both professional and attentive to borrower needs. I would recommend this company in a heartbeat.