Steinbeck Mortgage, Inc. is a locally owned and operated Mortgage Brokerage. The company is comprised of highly trained, ethical and top-producing Mortgage Loan Originators providing wholesale conventional, governmental and VA financing.

Through the years, Steinbeck Mortgage, Inc. has grown to become one of the most productive, independent mortgage brokerages on the Greater Central Coast and San Francisco Bay Area Regions.

Voted The Best Local Company to Handle Your Home Financing, 1st Place-Reader's Choice Monterey County Herald Newspaper, 2018-2021

Home Financing Products & Services We Offer:

• Conventional Home Loans-Homeownership is within your reach, even if you don't have much to put toward a down payment. We've got you covered with the lowest mortgage insurance premiums available on the market. Contact us to get a quote today

• Refinance Your Current Mortgage-Eliminate monthly Private Mortgage Insurance (PMI) and get options to buy the home you want or to refinance. 

• HomeSafe Reverse Mortgages-Whether you are looking to upsize, downsize, or “right-size,” financing a home with a reverse mortgage can make it easier and more affordable. This innovative mortgage option can open a huge new market of buyers 62 and older, allowing them to purchase a primary residence that suits your ideal lifestyle—without having monthly mortgage payments.* 

• HECMs-Available to homeowners age 62 and older whose primary residence is a house, townhouse, or FHA-approved condominium. We offer a full suite of flexible options to meet a variety of needs, including fixed and adjustable rates.

• VA Home Loans-With our VA Loan Products, get exclusive, well-earned benefits, like no required down payment, no monthly Mortgage Insurance-MI and our lowest monthly payments. We're Honored to Serve Those Who Have Served.

• FHA Loans-It’s natural to feel a little confused or unprepared when buying your first home. We’re here to help. We’ll work with you to find the best financial solution to fit your needs. Did you know you could get into a new home with as little as 3% down?

• USDA Loans-Owning a home just got more affordable. We offer USDA home loans for zero down with low guarantee fees. Buying a home in a rural area? USDA home loans could be the perfect option. Get pre-approved today.

• Day 1 Certainty gives our lenders freedom from representations and warranties plus greater speed and simplicity, and enables an improved borrower experience.

• CalHFA Preferred Broker. CalHFA promotes equal access to affordable financing for all low and moderate families throughout the state of California.

• Limited 203(k) Options. Up to $35,000 for minor remodeling and nonstructural repairs. Additional benefits: First-time homebuyers use our Limited 203(k) option with: CalPLUS FHA with ZIP for up to 3% closing cost assistance, or use CalHFA FHA or Cal-EEM + Grant 

• MyHome Assistance Program – deferred payment junior loan for down payment and/ or closing costs.

• School Teacher and Employee Assistance Program (School Program) – Up to 4% of the home’s sales price in a deferred payment loan for teachers and staff serving California’s public schools

• Wholesale Lending Products-We are a Wholesale Mortgage Broker. Shop rates with us. Local Mortgage Loan Originators on call 7 days a week.

• Customized Financial Plans to obtain home ownership

• Realtor Assistance-We offer Realtor Assistant 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 local Mortgage Loan Originators Today!

(831) 417-1000

Our Mortgage Loan Originators

Catalina Perez, Mortgage Loan Originator

NMLS# 341394

Catalina is a highly experienced Loan Officer with over 20 years of expertise in mortgage loan origination. She is exceptionally well-versed in a variety of financing options, and here to help you achieve the best possible program and rate.

She has a passion for providing exceptional customer service and takes time to understand her clients’ needs in order to find the best mortgage solution. From first time home buyers to investors and experienced home buyers, she treats each transaction as if it were her own. Catalina always keeps her clients’ best interests as her top priority. Whether you are refinancing a mortgage or buying property for the first time, Catalina will provide a smooth, respectful and personable transaction. Catalina’s professional service is founded on the bedrock of your long term financial security and wealth accrual.

When Catalina is not working for you, she is a mother of 5 children, a grandmother and a friend to many. Let her put her competitive and warm spirit to work for you in securing the home of your dreams!

Kelly Shatto, Associate Broker/Mortgage Loan Originator

NMLS# 1971267/CALDRE# 01974771

Kelly's background is immersed in family, art, community service. Having eight children has made her not only experience the joys of motherhood but it has also given her the self determination to strive for treating everyone like her family.  Kelly homeschooled many of her children all the while working as artist teaching others her glass artistry.

Kelly has served many years as a liaison for the homeless to community organizations. She brought the homeless into her home to help them to get back on to their feet and to integrate them back into our community.

Working with many different personality types has given Kelly the ability to see needs quickly and how to appropriate the right course of action. Her passion in real estate comes from working in the vacation rental industry for many years.  

She has worked with many homeowners to make their interiors and exteriors feel like home but also adhering to safety protocols for the guests while they were visiting.

Seeing the fine details of a property is what enables Kelly to have a greater sense of what will please a buyer but also what will help a seller to achieve their financial goals as well. She has a down-to-earth personality, most would say, is driven to succeed in her goals.

Give Kelly a call to help you in achieving your goals today!

Ricky Suarez, Mortgage Loan Originator

NMLS# 1421977/CalDRE# 01986661

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.

Ricky 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 also enjoys watching, living and breathing anything baseball and college football. He prides himself on being available most weekends for his clients and assisting his Realtor partners with instant pre-qualifications at their open houses.

Product Offered Through Approved Vendors. Steinbeck Mortgage, Inc. NMLS ID # 1091849 | 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.  Application fees, closing costs and other fees may apply.