Business Details
34 Years
experience
Your Trusted Mortgage Partner in California
Summit Mortgage has been dedicated to building lifelong relationships with clients since 1992, prioritizing personalized service over impersonal financial institutions. Our client-led approach focuses on understanding individual goals and concerns to create seamless mortgage transactions. With over 30 years of experience, we have helped thousands of Californians achieve their real estate objectives, offering expertise in home purchases, refinancing, and investment properties.Our team of seasoned professionals combines decades of industry knowledge with innovative strategies to design tailored financial solutions. We pride ourselves on transparency, ethical practices, and a commitment to staying at the forefront of mortgage innovation while maintaining the trust of our community.
Services
Mortgage Loans
Refinancing
Reverse Mortgages
Commercial Loans
Construction Loans
SBA Financing
Jumbo Mortgages
FHA/VA Programs
Details
- Year established: 1992
Highlights and features
- We offer 30+ years of mortgage expertise with $1B+ in financing arranged.
- Our team provides personalized loan programs tailored to individual financial goals.
- We combine direct-lender efficiency with broker-like flexibility for competitive rates.
- Our consultants specialize in complex transactions including 1031 exchanges and ADU financing.
- We maintain long-term client relationships through transparent communication and ethical practices.
What people say
Above and beyond
Honest and professional
Make it easy
Industry knowledge
Timely communication
Services
Mortgage Loans
Summit Mortgage offers customized mortgage solutions for primary residences, investment properties, and commercial real estate. Our loan officers help clients choose between fixed-rate, adjustable-rate, and specialty programs like FHA/VA loans. With access to hundreds of loan products, we ensure competitive rates and personalized service throughout the application process.
Refinancing
Our refinancing services help homeowners reduce monthly payments, consolidate debt, or access equity through cash-out options. We specialize in eliminating high-interest obligations while offering tax-deductible mortgage interest solutions. Our team guides clients through rate-and-term adjustments and accelerated payment schedules tailored to financial goals.
Reverse Mortgages
Designed for homeowners aged 55+, our reverse mortgages convert home equity into tax-free income without monthly payments. These programs allow retirees to maintain ownership while accessing funds for living expenses or medical costs. We provide detailed counseling about eligibility requirements and long-term financial implications.
Commercial Loans
We offer commercial financing for office spaces, retail centers, industrial properties, and mixed-use developments up to $25 million. Our SBA loan programs require as little as 15% down payment while providing favorable terms. Experienced underwriters specialize in 1031 exchange transactions and investor portfolio financing.
Construction Loans
Our construction loans cover residential and commercial projects with terms up to 12 months. We finance ADUs, guest houses, and major renovations through conventional or prefabricated construction methods. Borrowers receive dedicated support from loan approval through permanent mortgage conversion upon project completion.
People
Eric Rolph
Founder / Broker
With 35+ years in real estate, Eric Rolph has helped thousands achieve property goals through attentive listening and strategic execution. He networks with financial professionals to optimize client outcomes and maintains a loyal following through ethical practices.
Julie Langer
Property Manager
Julie Langer brings 20+ years of property management experience, leveraging technology for accurate accounting and maintenance oversight. Her background in bookkeeping ensures meticulous financial handling for residential and commercial landlords.
Duane Espinosa
Mortgage Operations
Duane Espinosa specializes in underwriting complex mortgage products with 20+ years of lending expertise. He has developed streamlined processes to simplify loan approvals while maintaining compliance with evolving industry regulations.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans with low down payments, state bond programs, and conventional financing options specifically tailored for first-time buyers.
Can I refinance to eliminate private mortgage insurance?
Yes, we offer loan programs that allow you to refinance and remove PMI when you reach 20% equity in your property.
Do you offer mortgage solutions for investment properties?
We provide financing for residential and commercial investment properties including multi-family units, office spaces, and retail centers.
What documentation is required for mortgage pre-approval?
Basic pre-approval requires income verification, asset statements, and credit history. Our loan officers will guide you through specific requirements.
How do reverse mortgages affect home ownership?
Reverse mortgages allow you to retain ownership while accessing equity, with repayment deferred until the property is sold or no longer your primary residence.
