Business Details
34 Years
experience
Trusted Mortgage Brokers in Thousand Oaks, CA
Summit Mortgage has been dedicated to helping clients achieve their real estate goals since 1992. Our client-led approach prioritizes personalized service, leveraging over 30 years of combined experience to create seamless transactions. We specialize in a wide range of mortgage solutions, including home purchases, refinancing, reverse mortgages, and commercial loans, serving clients across California. Our team of seasoned professionals, including certified loan officers and property management experts, provides tailored guidance through every step of the process. With more than $1 billion in mortgage financing arranged, we combine industry expertise with a commitment to lifelong client relationships. Our services extend beyond traditional lending, offering innovative solutions like cash-out refinancing, jumbo loans, and SBA financing to meet diverse financial needs.We maintain strong partnerships with local real estate professionals to ensure comprehensive support for buyers and investors. Our dedication to transparency and ethical practices has earned us the trust of thousands of clients throughout our history. By staying at the forefront of mortgage industry trends, we deliver competitive rates and customized strategies that adapt to evolving market conditions. Whether you're a first-time homebuyer or a seasoned investor, our mission remains focused on empowering clients to achieve their real estate aspirations.
Services
Home Loans
Refinancing
Reverse Mortgages
Commercial Loans
SBA Financing
Jumbo Loans
Construction Loans
Property Management
Cash-Out Refinance
First-Time Buyer Programs
Details
- Year established: 1992
Highlights and features
- We offer 30+ years of mortgage industry experience with $1B+ in financing arranged
- Our team provides personalized loan programs for unique financial situations
- We maintain direct lender relationships to secure competitive mortgage rates
- Our consultants combine local market expertise with national lending standards
- We offer comprehensive services spanning residential, commercial, and investment properties
What people say
Personalized service
Expertise
Seamless process
Trustworthy professionals
Industry knowledge
Services
Home Loans
Summit offers comprehensive home loan programs tailored to individual financial situations. Our services include conventional mortgages, FHA/VA loans, and jumbo financing up to $20 million. With competitive rates and flexible terms, we help first-time buyers and experienced homeowners achieve their real estate goals through personalized loan solutions.
Reverse Mortgages
Our reverse mortgage specialists help homeowners aged 55+ access home equity while maintaining property ownership. These retirement-focused solutions eliminate monthly payments and provide cash options for living expenses, medical costs, or home improvements while ensuring compliance with all regulatory requirements and tax considerations.
Commercial Loans
Summit provides commercial financing for apartment complexes, office buildings, and industrial properties up to $25 million. Our SBA and traditional loan programs support business owners seeking to purchase or refinance investment properties with tailored solutions that optimize cash flow and growth potential.
Refinancing
We offer cash-out refinancing, rate-and-term adjustments, and debt consolidation solutions. Our programs help homeowners reduce monthly payments, access equity for debt elimination, or shorten loan terms while providing expert guidance on tax implications and mortgage insurance considerations.
Construction Loans
Our construction loan programs support residential and commercial building projects with flexible terms for new construction, ADUs, and property renovations. We provide specialized financing for custom homes, multi-family developments, and commercial properties with dedicated support through every building phase.
People
Eric Rolph
Founder / Broker
With 30+ years in real estate finance, Eric Rolph specializes in strategic mortgage solutions. His client-focused approach combines Ironman triathlon discipline with financial expertise to deliver personalized service and long-term relationships.
Julie Langer
Property Manager
Julie Langer brings two decades of property management experience to Summit. Her technological proficiency and attention to detail ensure accurate accounting and optimal maintenance for residential and commercial real estate investments.
Duane Espinosa
Mortgage Operations
Duane Espinosa oversees mortgage operations with 20+ years of underwriting expertise. He develops streamlined processes that simplify complex loan requirements while maintaining strict compliance with evolving industry regulations.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans with low down payments, conventional mortgages with flexible terms, and local bond programs with down payment assistance for qualified first-time buyers.
Can I refinance my home to pay off high-interest debt?
Yes, our cash-out refinancing programs allow homeowners to consolidate credit card debt, auto loans, and other obligations into a single mortgage payment with potential tax benefits.
How do reverse mortgages work for retirement planning?
Reverse mortgages let homeowners aged 55+ convert equity into tax-free cash while maintaining ownership. No monthly payments are required until the home is sold or no longer occupied as primary residence.
What commercial financing options do you offer?
We provide SBA loans, traditional commercial mortgages, and 1031 exchange financing for properties up to $25 million, including apartments, office buildings, and industrial facilities.
How quickly can you process a mortgage application?
With our streamlined digital process and experienced underwriting team, we typically complete mortgage transactions within 30-45 days from application to closing.
