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Steinbeck Mortgage

Welcome to Steinbeck Mortgage, Inc.: Your Local, Trusted Mortgage Brokerage

Experience Exceptional Service with Steinbeck Mortgage, Inc., a locally owned and operated Mortgage Brokerage serving the Greater Central Coast and San Francisco Bay Area Regions. Our team is comprised of highly trained and ethical Mortgage Loan Originators who are dedicated to providing you with top-notch service and expert guidance.

We take pride in being voted The Best Local Mortgage Broker to Handle Your Home Financing, earning 1st Place in the Reader's Choice category by the Monterey County Herald Newspaper. Trust us to handle your mortgage needs with professionalism and care.

At Steinbeck Mortgage, Inc., we offer a wide range of home financing products and services tailored to meet your specific needs:

Conventional Home Loans: We believe homeownership should be within reach for everyone, even if you have limited funds for a down payment. Our conventional home loans come with the lowest mortgage insurance premiums available on the market. Contact us today for a quote.

Mortgage Refinancing: Take advantage of refinancing your current mortgage to eliminate monthly Private Mortgage Insurance (PMI) and explore options to buy the home you desire or simply refinance for better terms.

HomeSafe Reverse Mortgages: Discover the affordability and convenience of financing a home with a reverse mortgage. This innovative mortgage option is available to buyers aged 62 and older, offering new possibilities for upsizing, downsizing, or finding the perfect home for your ideal lifestyle.

HECMs (Home Equity Conversion Mortgages): If you're 62 or older and own a house, townhouse, or FHA-approved condominium, our HECM options provide flexible financing solutions, including fixed and adjustable rates.

VA Home Loans: We proudly serve those who have served our country. Our VA Loan Products offer exclusive benefits, including no required down payment, no monthly Mortgage Insurance (MI), and the lowest monthly payments available.

FHA Loans: If you're a first-time homebuyer, our FHA Loans can provide the financial solution you need. We'll guide you through the process, helping you find the best loan option to fit your needs.

USDA Loans: Make homeownership more affordable with our USDA home loans, requiring zero down payment and featuring low guarantee fees. If you're buying a home in a rural area, USDA home loans could be the perfect option for you.

Commercial Property Financing: We provide financing solutions for commercial properties, catering to the unique needs of businesses and investors.

CalHFA Preferred Broker: As a CalHFA Preferred Broker, we support equal access to affordable financing for low and moderate-income families throughout California.

Construction Financing: We offer financing solutions for construction projects, providing support and guidance every step of the way.

School Teacher and Employee Assistance Program (School Program): Our specialized program assists school teachers and employees in obtaining affordable home financing.

Wholesale Lending Products: As a Wholesale Mortgage Broker, we offer competitive rates and a wide selection of loan products. Our local Mortgage Loan Originators are available seven days a week to assist you.

Credit Upgrade and Customized Financial Plans: We provide customized financial plans to help you achieve homeownership and enhance your financial situation.

Realtor Assistance: We offer Realtor Assistance services, including on-site support at open houses, subdivision sale offices, and co-branded marketing materials. Turn prospects into clients with our off-site pre-approval services.

Chat with one of our knowledgeable Mortgage Loan Originators today and take the first step toward securing the ideal mortgage for your needs. Contact us at (831) 417-1000.

DRE 01937343 | NMLS ID 1091849

Our Mortgage Loan Originators


Catalina Perez, Mortgage Loan Originator

NMLS# 341394/CALDRE#01495909

Introducing Catalina Perez: An Award-Winning Mortgage Loan Originator

Catalina Perez is a highly acclaimed and accomplished Mortgage Loan Originator, recognized for her exceptional expertise and outstanding service in the mortgage industry. With an impressive track record of success, Catalina has earned numerous accolades and awards for her unwavering dedication to helping clients achieve their homeownership dreams.

With years of experience and a deep understanding of the mortgage landscape, Catalina possesses an unparalleled level of knowledge and skill. She has mastered the art of guiding individuals and families through the complex process of securing a mortgage, ensuring seamless transactions and favorable outcomes. Her commitment to providing personalized solutions tailored to each client's unique needs has earned her a reputation as a trusted advisor in the industry.

Catalina's passion for her craft is evident in her unwavering pursuit of excellence. Her unwavering attention to detail, meticulous analysis of financial scenarios, and ability to identify the best mortgage options have consistently positioned her as a top performer in her field. Through her strategic partnerships with leading financial institutions, she is able to offer her clients access to a wide range of competitive loan products and favorable rates.

Beyond her professional achievements, Catalina is admired for her exceptional customer service. She believes that transparent and open communication is key to fostering strong relationships with her clients. By actively listening to their goals and concerns, she provides expert guidance and ensures they are well-informed throughout the entire mortgage process. Catalina's genuine care for her clients and her unwavering commitment to their success set her apart as a true industry leader.

As a testament to her remarkable contributions, Catalina Perez has been honored with prestigious awards in recognition of her exceptional performance By The Scotsman Guide and countless Readers’ Choice Awards for client satisfaction. These accolades reflect her unwavering dedication to excellence and her tireless efforts in making the dream of homeownership a reality for countless individuals and families.

Whether you are a first-time homebuyer, looking to refinance, or in need of expert mortgage advice, Catalina Perez is the trusted professional you can rely on. With her proven track record, industry recognition, and unwavering commitment to client success, Catalina is poised to exceed your expectations and guide you through every step of your mortgage journey.

Richard Suarez


Ricky Suarez, Mortgage Loan Originator

NMLS# 1421977/CALDRE# 01986661

Ricky is a Mortgage Loan Originator at Steinbeck Mortgage, Inc. Licensed in California NMLS # 1421977.

Ricky graduated from UCLA in 2001 with a B.S. in applied mathematics. After graduating he worked at Cisco Systems until 2014 as a lease originator, business analyst and project manager. He joined the mortgage industry in 2015 and has since helped many local clients through the home purchasing and refinance process.

During his time in the industry Ricky has hosted countless real estate seminars to educate local agents and first-time homebuyers about industry changes and new opportunities. He prides himself on being available on weekends for his Realtor partners with instant pre-qualifications and loan informational handouts at their open houses.

Ricky is a resident of Gilroy, California and is married with 3 children. He has been very involved in youth sports since college and has served as a volunteer baseball and softball coach.  Ricky enjoys anything baseball and college football related.

Product Offered Through Approved Vendors. Steinbeck Mortgage, Inc. NMLS ID # 1091849 DRE 01937343 | Product not offered in all states. | Loans are subject to investor and business credit approval, appraisal and geographic location of the property and other underwriting criteria.  Loan amounts and rates vary depending upon loan type, LTV, verification of application information and other risk based factors.  Some products may not be available for property type or area. Application fees, closing costs and other fees may apply. 

Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, 
1094085 or Licensed by the Department of Business Oversight under the California Finance Lenders Law,
1094085, Licensed by the California Department of Real Estate, [DRE License #], 01937313