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Meet Our Team

Experienced mortgage professionals dedicated to finding the perfect loan for your situation. No call centers β€” you work with a real person from start to finish.

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Michael Chen

NMLS #377740

Senior Mortgage Advisor & Branch Manager Β· Newport Beach Office

Michael leads Save Financial's Newport Beach office with over 15 years of mortgage industry experience. He specializes in jumbo financing and self-employed solutions for Orange County and South Coast clients. His background in finance and deep understanding of non-traditional income documentation has helped hundreds of business owners and entrepreneurs achieve homeownership.

β€œEvery client deserves a mortgage advisor who listens first and advises second. The right loan isn't always the one with the lowest rate β€” it's the one that fits your complete financial picture.”

Loans Closed

1,200+

Experience

15 years

Languages

English, Mandarin

Jumbo LoansSelf-EmployedBank Statement LoansHigh Net Worth
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Sarah Martinez

NMLS #377740

Senior Mortgage Advisor Β· Marina del Rey Office

Sarah manages Save Financial's Marina del Rey operations and is passionate about helping first-time homebuyers navigate California's competitive market. Her expertise in FHA, VA, and CalHFA programs has opened doors to homeownership for clients who thought buying in LA was impossible. She's known for her patient, educational approach.

β€œThe biggest barrier for first-time buyers isn't money β€” it's information. Once people understand the programs available to them, the path to homeownership becomes clear.”

Loans Closed

800+

Experience

12 years

Languages

English, Spanish

First-Time BuyersFHAVA LoansCalHFA Programs
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David Park

NMLS #377740

Mortgage Advisor β€” Investment Specialist Β· Newport Beach Office

David is Save Financial's investment property specialist with a personal portfolio of rental properties across California. His hands-on investing experience means he understands the investor's perspective β€” not just the lending side. He has deep expertise in DSCR programs, bridge loans, and multi-family financing.

β€œI'm not just a lender β€” I'm an investor too. I understand the numbers behind every rental deal because I run them for my own portfolio.”

Loans Closed

600+

Experience

10 years

Languages

English, Korean

DSCR LoansInvestment PropertyMulti-FamilyPortfolio Lending
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Jennifer Williams

NMLS #377740

Senior Mortgage Advisor Β· Marina del Rey Office

Jennifer brings 18 years of experience in residential mortgage lending, with particular expertise in luxury and jumbo transactions on the Westside. From Malibu beachfront to Beverly Hills estates, she navigates complex high-value transactions with precision and discretion. Her client relationships often span decades.

β€œIn luxury lending, the details matter. My clients expect a seamless experience, and I deliver it every time.”

Loans Closed

1,500+

Experience

18 years

Languages

English, French

ConventionalJumboRefinanceLuxury Properties
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Carlos Rivera

NMLS #377740

Mortgage Advisor Β· Newport Beach Office

Carlos specializes in serving California's diverse communities with ITIN, foreign national, and non-QM loan programs. Fluent in Spanish and English, he bridges the gap for borrowers who need specialized lending solutions and culturally sensitive guidance through the homebuying process.

β€œHomeownership should be accessible to everyone who works hard and pays their taxes. I help make that happen with the right programs and the right guidance.”

Loans Closed

500+

Experience

8 years

Languages

English, Spanish

ITIN LoansForeign NationalFHANon-QM
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Amanda Foster

NMLS #377740

Mortgage Advisor β€” VA Specialist Β· Newport Beach Office

Amanda is a Navy veteran who brings both military service experience and mortgage expertise to Save Financial. As a VA loan specialist, she understands the unique challenges military families face β€” PCS moves, deployment timelines, and BAH considerations. She serves clients at all California military installations.

β€œI served, so I understand. When a military family calls, they're talking to someone who's been through every PCS stress and knows the VA loan process inside and out.”

Loans Closed

700+

Experience

11 years

Languages

English

VA LoansMilitary RelocationConventionalRefinance

Ready to Work With Our Team?

Get matched with the right mortgage advisor for your specific situation β€” purchase, refinance, or investment.

Last updated: July 2026. Sources: FHFA, HUD, VA, CalHFA, CFPB, California DRE, California Association of Realtors. All loans subject to credit approval. Rates subject to change.

About This Website

Mortgage Education Written by Licensed Mortgage Professionals

Mortgage Guide California was created by licensed mortgage professionals to help California homebuyers and homeowners understand their options before they apply. This website itself is not a lender or a mortgage broker — it does not take applications, quote binding rates, or make credit decisions. The guides are written and reviewed by people who place loans for a living, and the site is sponsored and paid for by Save Financial, Inc., a California-licensed mortgage broker.

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Sponsored by Save Financial, Inc.
NMLS #377740 Β· DRE #01875766 Β· California Licensed Mortgage Broker

Save Financial is our recommended mortgage broker partner with 45 years of combined experience and access to 20+ wholesale lenders. They serve all of California from offices in Newport Beach and Marina del Rey. Their $500 Price Match Guarantee ensures you get the best rate available. The team speaks English and Spanish.

Get Free Expert Guidance β†’πŸ“ž (888) 703-1840Apply Online β†’

Mortgage Guide California is an educational resource sponsored and paid for by Save Financial, Inc. All mortgage services, rate quotes, and loan applications are handled by Save Financial, Inc. (NMLS #377740, DRE #01875766), a California-licensed mortgage broker. Equal Housing Lender. All loans subject to credit approval.

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