Mortgage your dreams
Mortgage Solutions Tailored To Your Special Situation
Trust & Transparency
We build lifelong relationships through honest communication, clear terms, and complete transparency in every mortgage process.
Customer-Centric Service
Our clients come first — from consultation to closing, we guide you through every step to make homeownership simple and stress-free.
Expertise & Innovation
Combining years of industry experience with modern tools to deliver faster, smarter, and more flexible mortgage solutions.
Welcome to SI MTG, the mortgage division of SI, a premier one-stop-shop real estate and mortgage brokerage serving Northern California.
About Us
Mortgage Solutions Tailored To Your Special Situation
Welcome to SI MTG, the mortgage division of SI, a premier one-stop-shop real estate and mortgage brokerage serving Northern California. With over 20 years of experience in the real estate and mortgage industry, we are dedicated to helping you secure the lowest rates on the market with efficient and personalized service.
24 HOURS SERVICE AVAILABLE
Call Us: 510-786-8739
Our Latest Services
What Kind of Services We are Offering
Residential
Mortgage Solutions Tailored for You The first-time home buyerAt SI MTG, we offer a range of mortgage...
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Commercial
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Frequently Asked Questions
How can we help you?
A fixed-rate mortgage keeps the same interest rate for the entire loan term, meaning your monthly payments remain consistent. An adjustable-rate mortgage (ARM), on the other hand, starts with a lower rate that may change periodically based on market conditions, which can increase or decrease your payments over time.
The typical down payment is 20% of the property value, but many loan programs allow as little as 3%–5% down. For example, FHA loans often require only 3.5% down, while VA and USDA loans may offer 0% down options for qualified borrowers.
- Recent pay stubs (last 2 months)
- W-2 forms or tax returns (last 2 years)
- Bank statements (last 2–3 months)
- Photo ID and proof of residence
- Information on debts and existing loans
Providing complete documentation speeds up the approval process significantly.
Yes, you can get pre-approved for a mortgage. This process allows the lender to review your financial information and give you a conditional approval for a specific loan amount. It helps you:
- Understand your buying budget
- Strengthen your home offer to sellers
- Identify potential credit issues early
We are here to answer your questions 24/7
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Our Core Strength
Key Points That Define Us
Our Best Review’s
Customer’s Feedback
““The team at HomeTrust Mortgage made the process so simple! They guided me every step of the way and explained all the details clearly. I closed on my first home without stress or confusion.””
Sarah Johnson
First-Time Homebuyer
““I refinanced my mortgage through them and got a much better rate than I expected. The communication was clear and professional throughout the process.””
Michael Lee
Refinance Client
““As an investor with multiple properties, I appreciated how efficient their approval process was. They understand the market and move quickly to get deals done.””
Emily Davis
Real Estate Investor
““Being self-employed, I was worried about getting approved. Their loan officer took the time to review my business income and found the perfect mortgage option for me.””
Robert Thompson
Self-Employed Borrower
““Exceptional service! They answered all my questions with patience and made me feel confident in my decision. I highly recommend them to anyone buying a home.””
Jessica Martinez
New Homeowner
““I used my VA loan benefit through this company, and the experience was outstanding. They handled everything quickly and respected my service. Truly professional team.””
David Wilson
Veteran Home Loan Client
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