Business Details
Your Trusted California Mortgage Partner
Acurus Home Loans has been dedicated to helping Californians achieve homeownership for over two decades. Our team of experienced loan officers specializes in a comprehensive range of mortgage solutions, including purchase loans, refinancing options, and niche programs tailored to unique financial situations. We prioritize honesty, integrity, and competence, ensuring clients receive competitive rates and personalized guidance throughout the loan process.With expertise in conventional, FHA, VA, USDA, and jumbo loans, we focus on overcoming financial roadblocks to deliver efficient closings. Our commitment to transparency and client satisfaction has established us as a trusted partner in the mortgage industry.
Services
Home Purchase Loans
Refinancing
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Reverse Mortgages
HELOC
Bank Statement Loans
Low FICO Loans
Highlights and features
- We offer over 20 years of mortgage expertise in California.
- Our loan officers provide personalized guidance throughout the process.
- We specialize in niche mortgage programs for unique financial situations.
- Our team ensures fast and efficient loan closings.
- We are committed to transparent communication and competitive rates.
Associations and certifications
- NMLS
- California Department of Real Estate
What people say
Extraordinary service
Smooth process
Prompt responses
Professional expertise
Fast closings
Services
Home Purchase Loans
We provide tailored home purchase loans for various property types, including single-family homes and condominiums. Our programs include conventional, FHA, and VA loans to suit diverse buyer needs. Clients benefit from competitive rates and dedicated support to streamline the homebuying process.
Refinancing
Our refinancing options help homeowners reduce monthly payments, access equity, or adjust loan terms. We offer conventional, FHA, and VA refinancing with personalized advice to maximize financial benefits while ensuring a transparent, hassle-free experience.
Reverse Mortgages
Designed for homeowners aged 62+, reverse mortgages allow seniors to convert home equity into tax-free funds. We guide clients through HECM programs with clear explanations of eligibility, payout options, and long-term financial implications.
HELOC
Our HELOC products offer flexible credit lines secured by home equity. Ideal for renovations or emergency expenses, we provide competitive rates and straightforward terms with no hidden fees during the draw or repayment periods.
Bank Statement Loans
Tailored for self-employed borrowers, these loans use bank statements instead of traditional income verification. We help clients with non-traditional income qualify for mortgages through streamlined documentation and flexible underwriting standards.
People
Paul Sterling
President
Paul Sterling, NMLS #271313, leads with 27 years of California mortgage expertise. Known for meticulous attention to detail and client advocacy, he ensures seamless loan processes while maintaining transparent communication throughout transactions.
Sean Stecker
Loan Officer
Sean Stecker, NMLS #2007340, specializes in guiding clients through complex mortgage scenarios. His focus on personalized service and market knowledge helps borrowers navigate financing options with confidence and clarity.
Questions
What loan programs do you offer for first-time homebuyers?
We provide FHA loans with low down payments, conventional loans with flexible requirements, and down payment assistance programs tailored for first-time buyers in California.
Can I refinance with bad credit?
Yes, we offer credit-flexible refinancing options, including FHA streamline programs and bank statement loans for borrowers with non-traditional income or lower credit scores.
How long does the mortgage process take?
Our average closing timeline is 30-45 days, with expedited options available for qualified borrowers needing faster closings without compromising compliance.
Do you offer jumbo loans?
Yes, we provide jumbo loans exceeding conforming limits, with competitive rates for high-value properties in California's premium real estate markets.
What documents are required for pre-approval?
Basic pre-approval requires income verification, asset statements, and credit authorization. Self-employed applicants need tax returns and profit/loss statements for the past two years.
How can I improve my mortgage approval chances?
Maintain stable employment, reduce debt-to-income ratio, and avoid new credit inquiries. Our team provides personalized guidance to strengthen your financial profile before application.
