◈ Homepage — https://sierracapmortgage.com/Skip to main content Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email How can we help you? Play Video Check out our video I'm BuyingI'm Refinancing Linda & Roland Wilcox Loan Officers  //  Sierra Capital Mortgage Co Linda and Roland Wilcox provide clients throughout California with superior financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service.  We offer a full portfolio of mortgage products including Conventional, Jumbo, VA, and FHA loans (including Reverse Mortgages). Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. With over 50 years of combined experience and thousands of happy clients throughout California, we look forward to serving you! [email protected](626) 449-8545 GoogleYelpZillowFacebookLinkedIn Why work with us? We are an independent mortgage company that works with an extensive network of lending partners including commercial banks, credit unions, mortgage companies and other financial institutions. We find the best loan product and mortgage rate for our clients while guiding them through the loan qualification and loan approval process. Your hometown mortgage experts! Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money. First Time Homebuyers Buying your first home? We offer the guidance to get you started! Mortgage Walkthrough Guide Get educated! Learn exactly what happens every step of the process! Mortgage Calculator How much can you afford? What does that payment look like? Click here to view! Home Loan Options We're here to help fit the right mortgage product with your unique financial picture! Get started by using one of our FREE tools! Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Get a Purchase Pre-Approval Letter! If you're serious about purchasing a home, you'll find that you will need a pre-approval letter. You can start that process right now and it should only take 30 seconds! Get Pre-Approval LetterPress Enter ↵ 1 To start the process, what is your name? 2 Hi ! What purchase price are you hoping to be pre-approved for? 3 What is your expected down payment amount? A More than 20% B 20% C 5% D 3.5% E 0% Choose one option 4 How are you planning on using the property, ? A Primary Residence B Vacation Home C Rental Property Choose one option 5 Are you a first time homebuyer? A Yes B No Choose one option 6 , what is your employment status? A Employed With a Salary B Employed on Hourly Wage C Self Employed D Military E Other Choose one option 7 What is your gross annual household income? 8 Can you show proof of your household income? A Yes B No Choose one option 9 What is your estimated credit rating? A Over 800 B 740-800 C 680-739 D 620-679 E 580-619 F Below 580 Choose one option 10 Have you had a bankruptcy, short sale or foreclosure within the past 3 years? A Yes B No Choose one option 11 Are you working with a real estate agent? A Yes B No Choose one option 12 Are you or your spouse active or prior US Military? A Yes B No Choose one option 13 Is there anything we should know about? Do you have any specific questions? Shift ⇧ + Enter ↵ to make a line break. 14 Almost done, ! What is your email? 15 Last question! What is your phone number? 0% completed How the process works 1 Documentation There are a few critical documents we will need to verify to start your process. 2 Appraisal The appraisal insures the home you are buying is worth the price that is being offered. 3 Initial Underwriting The Underwriter will verify that all information is accurate and authentic. 4 Conditional Approval Conditional Approval is granted when the Underwriter approves the loan under certain conditions. 5 Clear To Close The Underwriter verifies that all documentation has been provided and all conditions have been met. 6 Closing Signing the final documentation and receiving the keys to your new home! Request A Call Over 40 years of experience and thousands of happy clients! “Do not bother going anywhere else! I had such a positive experience with Roland & Linda, I am recommending them to everyone! They are the nicest, most efficient and helpful professionals I have worked with in ages. And I got an incredible rate, saving me about $600 a month. Such great people. Please use them next time you need a mortgage or refi! Thank you!” Mary N. Los Angeles, CA See More Reviews Recent Posts Mortgage Market News Fed Holds Steady; Mortgage Rates Fall Read Article Mortgage Market News Good News on Inflation, But Don’t Expect a Fed Rate Cut Read Article Mortgage Market News Jobs Report Chases Rates Back Into The Range Read Article Mortgage Market News Calmer, Friendlier Week For Rates Amid Mixed Signals For Housing Read Article Mortgage Market News Rates Back to 7%. What Will It Take For Them to Drop? Read Article Mortgage Market News Some Uncertainty at The End of an Otherwise Decent Week Read Article View All Posts Ready to get started? Apply now or request a call today! Apply NowRequest A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Menu Close Menu Download our Homebuyer's Guide! Download Now! X ◈ Interior Pages — 42 pages crawledMortgage News Daily Blog - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X California Reverse Mortgages - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Loan Program California Reverse Mortgages Learn More Get started by using one of our FREE tools! Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Is a reverse mortgage loan right for you? If you’re a California homeowner nearing retirement, a reverse mortgage loan may seem like an attractive way to access your home equity. But is it the right choice for you? Before you decide, it’s important to understand the pros and cons. Reverse mortgages can provide additional income and are non-recourse loans, which means you or your heirs will never owe more than the home’s value. However, fees can be higher than traditional mortgages, and a reverse mortgage may impact your ability to leave your home to heirs. Consider your unique circumstances and reach out to us to see if this options makes sense for you. Benefits of a reverse mortgage loan A reverse mortgage is a type of loan that allows California homeowners to access their home equity without selling their homes. There are several benefits to consider. With a reverse mortgage, borrowers receive payments from the lender rather than making payments, and the loan is a non-recourse loan, meaning borrowers or their heirs will never owe more than the home’s value. Additionally, the loan does not need to be repaid until the last surviving borrower dies or sells the home. If you’re a California homeowner nearing retirement and need additional income, consider the benefits of a reverse mortgage and ask us if this would make sense for your unique financial picture. Never make another monthly mortgage payment Increase your cash flow Stay in your home Helps secure retirement Pay for healthcare expenses Enhance lifestyle, travel, and home upgrades Reverse mortgage loan eligibility requirements At least 55 or older Loans up to 4 million! Equity in your home The home must be your primary residence Ability to pay taxes, insurance, and HOA Contact us for more eligibility requirements and to see if this makes sense for your scenario! What are the Pros and Cons of a reverse mortgage? Pros Depending on your needs and financial goals, a reverse mortgage may benefit you in the following ways: Pulling cash out is TAX-FREE! Learn more on IRS.gov You remain the homeowner, and your name stays on the title. You can access your equity without selling the home or making a monthly mortgage payment. There are no credit score requirements, though your credit history will be reviewed during a financial assessment. You’re protected from declining home values since it’s a non-recourse loan. There are no restrictions on how proceeds are spent. In other words, you can use the funds on whatever you want or need. Even after the borrower dies, non-borrowing spouses who aren’t listed on the mortgage may still live in the home. If the loan comes due because you pass away and your heirs wish to keep the home, they can purchase the home for 95% of its appraised value or the balance of the loan – whichever is lower. They can also refinance that cost into a traditional mortgage. A reverse mortgage allows you as the homeowner to supplement your income for your retirement or other expenses. It’s also essential for you to know the eligibility and qualification requirements before settling on this option, as not everybody can use this loan. Before applying for this type of mortgage, we recommend speaking with a professional. Cons Although there are a number of benefits that come with a reverse mortgage, the loan can also have some points that you will want to consider. Since you’ll be borrowing against the equity in your home, you’ll decrease your equity and increase your amount of debt. If you choose not to make payments, the loan balance will increase over time as interest accumulates. Depending on the type of loan you choose and how you handle your money, you may outlive your proceeds. While heirs will have a few options for keeping your home after you pass away, you may not be able to pass the home on to your heirs without a cost to them. The loan may come due for several reasons. For example, the loan must be for your primary residence. If you do not live in the home for more than 6 months out of the year, the loan could come due. On the same note, a reverse mortgage will come due if you move out of the home or pass away. It could also come due if you fail to uphold your loan responsibilities, including maintaining the house and paying your property taxes and homeowners insurance. As stated above, you must continue to pay property taxes and homeowners insurance. If you do not stay current on these expenses, your loan may come due. There may be high closing costs and fees associated with the loan. Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Torrance Mortgage Broker | Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Loans in Torrance View Loan Programs Request Mortgage Proposal No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best mortgage possible for your unique scenario! Conventional Learn More! FHA Learn More! VA Learn More! Jumbo Learn More! Rehab Learn More! USDA Learn More! How the process works 1 Documentation There are a few critical documents we will need to verify to start your process. Learn More 2 Appraisal The appraisal insures the home you are buying is worth the price that is being offered. Learn More 3 Initial Underwriting The Underwriter will verify that all information is accurate and authentic. Learn More 4 Conditional Approval Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More 5 Clear To Close The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More 6 Closing Signing the final documentation and receiving the keys to your new home! Learn More Request Mortgage Proposal Documentation: Appraisal: Underwriting: Conditional Approval: Clear to Close: Closing: DOWNLOAD OUR HOMEBUYER’S MORTGAGE GUIDE DOWNLOAD NOW DOWNLOAD NOW DOWNLOAD NOW All About Torrance Torrance, California Area and Location: Torrance covers roughly 21 square miles (12,312 acres) and is situated in south western Los Angeles County, bounded by the Pacific Ocean on the west. Torrance has 1.5 miles of lifeguard-patrolled beach, bath-house facilities and public parking. It also has 550 miles of sidewalks. Population: Incorporated in 1921, the population of Torrance is 146,860 with a peak daytime population that grows to 250,000 or more. Torrance is the eighth largest city in Los Angeles County and the 33rd largest city in California. Source Things To Do In Torrance: Come Spend A Day In Torrance! Torrance, California, is the ideal location to stay for your Southern California vacation. Discover Torrance for a getaway that’s filled with well-crafted experiences and well-kept secrets. Home to innovative craft breweries, leisurely shopping, exciting cuisine and an uncrowded local beach, Torrance comes alive with an easy-going, welcoming spirit all its own. A safe community ideally located in the SoCal landscape, Torrance is a hidden gem that’s also conveniently located within close proximity to popular Los Angeles attractions and destinations. Source Education in Torrance About Torrance Educational System The Torrance Education Foundation promotes and supports academic excellence for pre-kindergarten through 12th grade students in the Torrance Unified School District. TEF recognizes outstanding teachers and education contributors, develops strategic alliances with business organizations, parents and the community; nurtures innovation and curiosity; and champions an inspirational, well-rounded education for all young people served by the TUSD. TEF Mission: To enrich the educational experience for students of the Torrance Unified School District. TEF Vision: The Torrance Education Foundation is an essential link between the Torrance community and our students’ educational experience. Source Torrance Image Gallery History of Torrance: Torrance is rich in history! The City of Torrance is located in southwest Los Angeles County in a region known as the South Bay. A municipality with the eighth largest population in Los Angeles County, the City is bordered on the southwest by one mile of beach, on the west by the City of Redondo Beach, on the north by the community of Lawndale, on the east by the Cities of Los Angeles’ Harbor Gateway and Gardena, and on the south by the communities of the Palos Verdes Peninsula. The City is part of the greater suburban Los Angeles area. Prior to 1912, Torrance was part of a Spanish land grant belonging to the Dominguez family. The land was largely unpopulated, open, dusty plain. By 1912, a real estate developer from Pasadena named Jared Sidney Torrance had purchased 2800 acres to make his vision of a “Modern Industrial City” a reality. Police services during this period were provided by Los Angeles County in the form of a Constable stationed in Lomita. During these early years, the City’s physical layout followed Jared Sydney Torrance’s master plan. Source Torrance’s Neighborhood Check out Torrance’s Neighborhood Torrance covers roughly 21 square miles (12,312 acres) and is situated in south western Los Angeles County, bounded by the Pacific Ocean on the west. Torrance has 1.5 miles of lifeguard-patrolled beach, bath-house facilities and public parking. It also has 550 miles of sidewalks. The City of Torrance has a Class 1 rated Fire Department with 159 sworn fire employees and six fire stations. The Police Department includes 241 sworn police employees, one main police station, one police substation and three police community centers. Torrance is proud to serve the community with a robust Public Library system that includes six libraries. The City also has 46 Park and Recreation facilities, offering a range of activities and amenities. Incorporated in 1921, the population of Torrance is 146,860 with a peak daytime population that grows to 250,000 or more. Torrance is the eighth largest city in Los Angeles County and the 33rd largest city in California. Source Linda & Roland Wilcox Loan Officers // Sierra Capital Mortgage Co Linda and Roland Wilcox provide clients throughout California with superior financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service. We offer a full portfolio of mortgage products including Conventional, Jumbo, VA, and FHA loans (including Reverse Mortgages). Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. With over 50 years of combined experience and thousands of happy clients throughout California, we look forward to serving you! [email protected] (626) 449-8545 Google Yelp Zillow Facebook LinkedIn Recent Posts Mortgage Market News Fed Holds Steady; Mortgage Rates Fall Read Article Mortgage Market News Good News on Inflation, But Don’t Expect a Fed Rate Cut Read Article Mortgage Market News Jobs Report Chases Rates Back Into The Range Read Article Mortgage Market News Calmer, Friendlier Week For Rates Amid Mixed Signals For Housing Read Article Mortgage Market News Rates Back to 7%. What Will It Take For Them to Drop? Read Article Mortgage Market News Some Uncertainty at The End of an Otherwise Decent Week Read Article View All Posts Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Irvine Mortgage Broker | Sierra Capital Mortgage Co Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Loans in Irvine View Loan Programs Request Mortgage Proposal No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best mortgage possible for your unique scenario! Conventional Learn More! FHA Learn More! VA Learn More! Jumbo Learn More! Rehab Learn More! USDA Learn More! How the process works 1 Documentation There are a few critical documents we will need to verify to start your process. Learn More 2 Appraisal The appraisal insures the home you are buying is worth the price that is being offered. Learn More 3 Initial Underwriting The Underwriter will verify that all information is accurate and authentic. Learn More 4 Conditional Approval Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More 5 Clear To Close The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More 6 Closing Signing the final documentation and receiving the keys to your new home! Learn More Request Mortgage Proposal Documentation: Appraisal: Underwriting: Conditional Approval: Clear to Close: Closing: DOWNLOAD OUR HOMEBUYER’S MORTGAGE GUIDE DOWNLOAD NOW DOWNLOAD NOW DOWNLOAD NOW All About Irvine Irvine, California Irvine is a city in Orange County, California. To the east, Orange County Great Park features an antique carousel and a giant, anchored helium balloon. Visitors can ride the balloon up for aerial views. Trails wind past ancient sycamore trees in Bommer Canyon. The Pretend City Children’s Museum has a kid-size post office, cafe and farm. Impressionist art from around California is displayed at the Irvine Museum. Source Things To Do In Irvine: Come Spend A Day In Irvine! Call up your friends! It’s time to make some weekend plans. One of the best parts of owning a home at MDL is that you’re within 10 minutes of Irvine’s best places to shop, eat, learn, and just have plain ol’ fun. To save you time and overwhelm, here’s our curated list of the top 10 places to go and things to do in Irvine. Named the Orange County Register’s Number 1 shopping destination in Orange County, this outdoor retail and dining center is at the top of local and tourists’ Irvine must-do lists, alike. A diverse collection of more than 130 specialty stores, restaurants and entertainment venues, The Spectrum, as it’s called by locals, features beautiful courtyards and fountains, a whimsical carousel, 108-foot ferris wheel, I-MAX movie theater and major retailers such as Nordstrom, Target and H&M. Source Education in Irvine About Irvine Educational System The Irvine Unified School District (IUSD)(link is external) consistently ranks among the finest educational systems in the nation. Irvine schools offer innovative educational programs, open-style classrooms, team-teaching, some schools with year-round terms, and excellent community involvement. IUSD educates a diverse student population numbering over 36,000 (TK-12), in 24 elementary schools, one early childhood learning center, four K-8 schools, six middle schools, five comprehensive high schools, and one alternative high school.​ Source Irvine Image Gallery History of Irvine: Irvine is rich in history! Archeological research establishes prehistoric man in the Irvine area at least 12,000 years ago, possibly even 18,000 years ago. Scattered evidence of early campsites and rock shelters can be seen in the undeveloped parts of the city. Gabrielino Indians moved into the Irvine area 2,000 years ago, establishing dozens of villages. One village was located near the present San Joaquin marsh and another near the San Joaquin golf course. The Gabrielinos were of the Shosonean language group. They enjoyed an abundant food supply of shellfish, waterfowl and land animals. They lived in round, woven huts and were excellent basket weavers and makers of seashell and stone jewelry. Source Irvine’s Neighborhood Check out Irvine’s Neighborhood Great Park Neighborhoods is taking shape around the perimeter of the Orange County Great Park in Irvine. It’s a collection of signature parks, surrounded by distinctive homes. With convenient access to the best Orange County has to offer. Top-ranking schools. Miles of walking and biking trails. And community gatherings that connect you with your neighbors. Speaking of neighbors, we have arguably the best one of all—the Orange County Great Park. Source Linda & Roland Wilcox Loan Officers // Sierra Capital Mortgage Co Linda and Roland Wilcox provide clients throughout California with superior financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service. We offer a full portfolio of mortgage products including Conventional, Jumbo, VA, and FHA loans (including Reverse Mortgages). Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. With over 50 years of combined experience and thousands of happy clients throughout California, we look forward to serving you! [email protected] (626) 449-8545 Google Yelp Zillow Facebook LinkedIn Recent Posts Mortgage Market News Fed Holds Steady; Mortgage Rates Fall Read Article Mortgage Market News Good News on Inflation, But Don’t Expect a Fed Rate Cut Read Article Mortgage Market News Jobs Report Chases Rates Back Into The Range Read Article Mortgage Market News Calmer, Friendlier Week For Rates Amid Mixed Signals For Housing Read Article Mortgage Market News Rates Back to 7%. What Will It Take For Them to Drop? Read Article Mortgage Market News Some Uncertainty at The End of an Otherwise Decent Week Read Article View All Posts Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Linda Wilcox - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Linda Wilcox Loan Officer // NMLS #245204 Linda is a top mortgage executive with over 30 years of experience. Linda has a proven track record of closing loans in a timely manner while providing superior terms and customer service. Linda has a Bachelor’s Degree in Economics from the University of Rochester in Rochester, NY. [email protected] (626) 449-8545 Google Yelp Zillow Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Step 2: Appraisal - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Process Step #2 Appraisal Stage Learn More Understanding Residential Real Estate Appraisals Understanding Residential Real Estate Appraisals A critical component to buying a home is the appraisal. An appraisal is a third-party professional evaluation of the value of a property that is used to help determine the amount of a loan. In compliance with government regulation, appraisers hired for a mortgage transaction on a conforming loan are chosen from a pool of qualified appraisers at random. Neither the borrower nor lender have the flexibility of deciding which appraiser will inspect your home. Mortgage Loan Process Step 1: Documentation Step 2: Appraisal Step 3: Underwriting Step 4: Conditional Approval Step 5: Clear To Close Step 6: Closing Please feel free to contact us at any time if you have any questions about your loan status or next steps in the process. Appraisals 101 A few key components of an appraisal The Site: Location, view, topography, lot size, utilities, zoning, external factors, highest and best use, landscaping features… Design: Quality of construction, finish work, fixed appliances, and any defining features… Condition: Age, deterioration, renovations, upgrades, added features… Health and Safety: Structural integrity, code compliance… Size: Above grade and below grade improvements… Neighborhood: Is the property comparable to others in the neighborhood? Functional Utility: Is the property functional as built – style and use? Parking: Garages, carports, shops, etc.. Other Factors in Determining Value: Curb appeal, lot size, and conforming to the neighborhood are obvious to the appraiser when they drive down into the neighborhood and pull up in front of your home. Ready to learn more? Review the previous step in the mortgage process. Documentation Stage Learn about the next step in the mortgage process. Underwriting Stage Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Sierra Capital Mortgage - Linda & Roland Wilcox Mortgage Team Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email How can we help you? Play Video Check out our video I'm Buying I'm Refinancing Linda & Roland Wilcox Loan Officers // Sierra Capital Mortgage Co Linda and Roland Wilcox provide clients throughout California with superior financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service. We offer a full portfolio of mortgage products including Conventional, Jumbo, VA, and FHA loans (including Reverse Mortgages). Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. With over 50 years of combined experience and thousands of happy clients throughout California, we look forward to serving you! [email protected] (626) 449-8545 Google Yelp Zillow Facebook LinkedIn Why work with us? We are an independent mortgage company that works with an extensive network of lending partners including commercial banks, credit unions, mortgage companies and other financial institutions. We find the best loan product and mortgage rate for our clients while guiding them through the loan qualification and loan approval process. Your hometown mortgage experts! Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money. First Time Homebuyers Buying your first home? We offer the guidance to get you started! Mortgage Walkthrough Guide Get educated! Learn exactly what happens every step of the process! Mortgage Calculator How much can you afford? What does that payment look like? Click here to view! Home Loan Options We're here to help fit the right mortgage product with your unique financial picture! Get started by using one of our FREE tools! Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Purchase Pre-Approval Refinance Analysis Download Mortgage Guide How the process works 1 Documentation There are a few critical documents we will need to verify to start your process. 2 Appraisal The appraisal insures the home you are buying is worth the price that is being offered. 3 Initial Underwriting The Underwriter will verify that all information is accurate and authentic. 4 Conditional Approval Conditional Approval is granted when the Underwriter approves the loan under certain conditions. 5 Clear To Close The Underwriter verifies that all documentation has been provided and all conditions have been met. 6 Closing Signing the final documentation and receiving the keys to your new home! Request A Call Over 40 years of experience and thousands of happy clients! “Do not bother going anywhere else! I had such a positive experience with Roland & Linda, I am recommending them to everyone! They are the nicest, most efficient and helpful professionals I have worked with in ages. And I got an incredible rate, saving me about $600 a month. Such great people. Please use them next time you need a mortgage or refi! Thank you!” Mary N. Los Angeles, CA See More Reviews Recent Posts Mortgage Market News Fed Holds Steady; Mortgage Rates Fall Read Article Mortgage Market News Good News on Inflation, But Don’t Expect a Fed Rate Cut Read Article Mortgage Market News Jobs Report Chases Rates Back Into The Range Read Article Mortgage Market News Calmer, Friendlier Week For Rates Amid Mixed Signals For Housing Read Article Mortgage Market News Rates Back to 7%. What Will It Take For Them to Drop? Read Article Mortgage Market News Some Uncertainty at The End of an Otherwise Decent Week Read Article View All Posts Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X FHA Mortgage - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Loan Program FHA Home Loans Learn More Get started by using one of our FREE tools! Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Is a FHA loan right for you? Worried about a low credit score or not being able to afford a large down payment? With less strict requirements, a FHA home loan may be the right loan for you. Request A Call Benefits of a FHA loan FICO Flexibility: The FHA home loan has less strict FICO score requirements, allowing more people to qualify for a home loan. Gift Funds Allowed: Gift funds are allowed for the down payment, which means your family can help. Flexible Qualification: Requirements for an FHA loan are generally more relaxed compared to other loans. Request A Call FHA loan eligibility requirements Credit score higher than 500 with 10% down Credit score higher than 580 with 3.5% down Ability to cover 3.5% down payment Reasonable debt-to-income ratio Home must be the borrower’s primary residence Request A Call Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X HomeReady Mortgage - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Loan Program HomeReady Mortgage Loans Learn More Get started by using one of our FREE tools! Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Is a HomeReady Mortgage loan right for you? Our low down payment HomeReady Mortgage is designed to help lenders confidently serve today’s credit-worthy low-income borrowers. Request A Call Benefits of a HomeReady Mortgage loan Low income friendly First-time or repeat homebuyers are eligible Only 3% required for down payment Credit scores as low as 620 are eligible! Borrowers with credit scores over 680 may get even better pricing Available for purchase or refinance Request A Call Conventional loan eligibility requirements Homeownership Education: If all borrowers are first-time homebuyers, then at least one borrower is required to take homeownership education, regardless of LTV. Good credit score of 620 or higher Down payment which can be as little as 3% Request A Call Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Loan Programs - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Home loan programs we offer View Loan Programs Request A Call No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best rate possible! Conventional Learn More! FHA Learn More! VA Learn More! Jumbo Learn More! Reverse Mortgages Learn More! Additional Loan Programs Learn More! Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Non-Conventional Loans - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Loan Program Non-Conventional Loans Learn More DSCR (Debt-Service Coverage Ratio) Borrowers may secure financing based on the property’s actual income and expenses. Bank Statement Borrowers may secure financing based on bank statements instead of tax returns. Foreign National borrowers located abroad may secure financing on a property located in the United States. Commercial Property (Office, Industrial, Mixed-Use) Get started by using one of our FREE tools! Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Understanding Your Credit - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Understanding your credit What does your credit report say about you? Learn More What does your credit say about you? Not knowing what your credit report says about your finances may cost you more when trying to obtain a mortgage. Even those who pay everything on time might have an unaddressed credit issue that is hurting their credit! It is possible for incorrect information to be reported on your credit report, and it is important to identify any issues and correct them before you apply for a mortgage. Request A Call What makes up your credit report? Your credit score is a numerical representation of your trustworthiness in paying back debt. Each bureau will present you with a credit score based on the data they have. What is reported? A few of the items reported on your credit may include: Credit Cards Department store cards Gas cards Bank cards Airline cards Installment Loans Mortgage loans Auto loans Student loans Utilities Rent (sometimes) Collections or judgements Bankruptcies What does your credit history look like? Credit history is a record of the health of each reporting credit line. Your credit score is created from the list below. Payment History 35 % Time Existing 15 % Debt 30 % Account Variety 10 % New Credit 10 % Linda & Roland Wilcox Loan Officers // Sierra Capital Mortgage Co Linda and Roland Wilcox provide clients throughout California with superior financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service. We offer a full portfolio of mortgage products including Conventional, Jumbo, VA, and FHA loans (including Reverse Mortgages). Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. With over 50 years of combined experience and thousands of happy clients throughout California, we look forward to serving you! [email protected] (626) 449-8545 Google Yelp Zillow Facebook LinkedIn Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Conventional Mortgage - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Loan Program Conventional Home Loans Learn More Get started by using one of our FREE tools! Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Is a conventional loan right for you? If you’re looking for a mortgage with low fees, a conventional home loan may be a good option for you. If you are eligible, there are a number of benefits. Request A Call Benefits of a conventional loan Save Money: With a down payment of 20% or more, you won’t need to pay for mortgage insurance. Flexible Terms: Choose what mortgage term works best for you! Options include 30, 20, 15, and 10 year terms. Low Down Payment Option: It’s possible to take out a conventional loan with a down payment of just 3%. Request A Call Conventional loan eligibility requirements A good credit score of 620 or higher A down payment which can be as little as 3% Consistent and documented income A low debt-to-income ratio Request A Call Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Step 4: Conditional Approval - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Process Step #4 Conditional Approval Learn More Underwriting has conditionally approved your loan file! Underwriting has conditionally approved your loan file! The “Conditional Approval” milestone is an important step in the purchase loan process because is means that an underwriter has reviewed your complete file and is giving us a list of final documentation to submit prior to closing. While we handle most of the steps at this stage of the process, we ask that you keep your financial documents handy in case we need them. That’s about it! Just remember not to make any major changes to your finances, such as large purchases or new lines of credit. This is great time to start planning for any utilities and services you may need to set up, as well as the physical move itself. So sit back and relax…we’ve got this part covered and we’ll let you know if we need anything! Mortgage Loan Process Step 1: Documentation Step 2: Appraisal Step 3: Underwriting Step 4: Conditional Approval Step 5: Clear To Close Step 6: Closing Please feel free to contact us at any time if you have any questions about your loan status or next steps in the process. Ready to learn more? Review the previous step in the mortgage process. Underwriting Stage Learn about the next step in the mortgage process. Clear To Close Stage Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X VA Mortgage - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Loan Program VA Home Loans Learn More Get started by using one of our FREE tools! Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Is a VA loan right for you? VA loans are government-backed loans intended to help eligible service members, veterans, and military spouses to purchase homes. These loans come with great rates and payment terms, and require no down payment. Are you an active military member, veteran, reservist, or surviving spouse? You may be eligible for a VA loan! Request A Call Benefits of a VA loan No money down: Purchase or refinance at 100% of the home’s value. Fast processing: Let our VA team guide you through a fast and easy process. Multiple uses: Use your VA loans to purchase property, refinance an existing loan, and even to build or improve your home. Save on mortgage insurance: VA loans don’t require mortgage insurance no matter how much deposit you put down. Request A Call VA loan eligibility requirements Qualifying military member or veteran Satisfactory credit Sufficient income Purchased property must be primary residence Request A Call Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Step 6: Closing - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Process Step #6 Closing Learn More Congratulations! You’ve done it! At the closing table, you will be signing the final documentation, signing your title documents, and receiving the keys to your new dream home. Going forward, always feel free to reach out with any questions you may have about real estate in general. We would love to work with you again on your next purchase or refinance, so please stay in touch if there’s anything we can do for you in the future! Mortgage Loan Process Step 1: Documentation Step 2: Appraisal Step 3: Underwriting Step 4: Conditional Approval Step 5: Clear To Close Step 6: Closing Please feel free to contact us at any time if you have any questions about your loan status or next steps in the process. Ready to learn more? Review the previous step in the mortgage process. Clear To Close Stage Go back to the overall mortgage process. Mortgage Process Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Roland Wilcox - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Roland Wilcox Loan Officer // NMLS #245214 Roland is a seasoned Mortgage Broker with over 20 years of experience. Roland has an MBA from the University of Southern California and a Bachelor’s Degree from the Eastman School of Music in Rochester, NY. Prior to his career in Real Estate, Roland was a manager at EarthLink and Mattel. Prior to business school, Roland was a professional musician in Los Angeles, having worked on numerous studio sessions and, most notably, with Doc Severinsen and The Tonight Show Band. [email protected] (626) 449-8545 Google Yelp Zillow Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Refinance - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Refinancing Is refinancing right for you? Learn More Is refinancing right for you? Here are the most common reasons for refinancing: You have a fixed-rate mortgage with a high interest rate, and are looking to get a lower interest rate You have an adjustable rate mortgage (ARM) and are looking to get a fixed rate You have two mortgages and would like to consolidate them into one You have a long-term loan and would like a shorter-term loan so you can pay it off and build equity more quickly You have a short-term loan and would like a longer-term loan so as to reduce your monthly payments You want to move from an interest-only mortgage to a loan that pays down the principal You want some extra cash to make a purchase or to pay off other debt Request A Call Benefits of refinancing Refinancing makes sense if you fit into one of the categories listed above. If you’re curious about your specific scenario, reach out today and we’ll take a look! Request A Call Four common refinancing options: Cash-Out or Cash Back Refinance This plan allows you to refinance your mortgage for more than you currently owe. The difference and the equity is converted into cash for the homeowner. Lower Fixed-Rate Loan If you currently have a high fixed-rate mortgage and the rates have dropped due to market conditions, then you may want to refinance to a low fixed-rate loan. Also, if you have an ARM, you might consider this option in order to get the security of a fixed rate. Even if your adjustable rate is low now, it is not guaranteed to remain that way; but if you get a low fixed-rate loan, then you lock that low rate in for the life of the loan. This option is a good choice if you are not planning on moving within the next five years. Shorter-Term Loan If your main goal is to quickly build up equity and to pay off your mortgage sooner, then the shorter-term loan is probably your best choice. A lot of times, if you refinance to this type of loan, your monthly payments will be higher, but you will pay substantially less interest and your mortgage will be paid off sooner. Also, you would benefit from a larger tax deduction on interest if you move from a 30-year fixed to a 15-year fixed loan. There are some cases, however, in which you may be able to refinance to a shorter-term loan without raising your monthly payment -if you’ve had your current mortgage for enough years. Longer-Term Loan If your current monthly payments are higher than is comfortable for your financial situation, then you might want to consider refinancing to a longer-term loan. This will result in a decrease in your monthly payments, since you will have more time to repay the loan. Examining your current mortgage and knowing how you would like to improve it are the first steps you need to take when starting the refinancing process. Once you know this, you can choose the option that will best help you achieve your goals. Linda & Roland Wilcox Loan Officers // Sierra Capital Mortgage Co Linda and Roland Wilcox provide clients throughout California with superior financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service. We offer a full portfolio of mortgage products including Conventional, Jumbo, VA, and FHA loans (including Reverse Mortgages). Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. With over 50 years of combined experience and thousands of happy clients throughout California, we look forward to serving you! [email protected] (626) 449-8545 Google Yelp Zillow Facebook LinkedIn Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Step 3: Underwriting - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Process Step #3 Underwriting Stage Learn More What to expect from processing & underwriting What to expect from processing & underwriting As soon as your purchase offer has been accepted by the seller, the clock starts ticking on a number of tasks that have to be completed within the “due-diligence” period, a timeline detailed in the purchase contract. A full underwritten approval by the lender, an appraisal, and home inspections (depending on the loan type and contract) are the first three major requirements that need to be met when purchasing a home. A few items obtained during the underwriting stage: Appraisal Updated Title Escrow Amounts Loan Payoffs Additional Property Liens Taxes HOA Paperwork Additional Loan Paperwork Mortgage Loan Process Step 1: Documentation Step 2: Appraisal Step 3: Underwriting Step 4: Conditional Approval Step 5: Clear To Close Step 6: Closing Please feel free to contact us at any time if you have any questions about your loan status or next steps in the process. Things to know It’s important to have all of your updated paperwork ready to go as soon as possible. This may mean providing updated pay stubs and bank statements the moment they become available throughout the underwriting process. The underwriters will evaluate the property, title, and the information and documents you provided once your final loan package has been submitted. This can take anywhere from a few days to several weeks to determine final approval and a conditions list, which could include a final letter of explanation for findings on a credit report, an official verification of employment, and an updated hazard insurance policy provided by your home insurance agent. Please do not make changes to credit or employment, such as: No major movement in your bank accounts No new credit applications or paying off old collections No financing new furniture and/or appliances No changing your employment status Ready to learn more? Review the previous step in the mortgage process. Appraisal Stage Learn about the next step in the mortgage process. Conditional Approval Stage Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Santa Ana Mortgage Broker | Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Loans in Santa Ana View Loan Programs Request Mortgage Proposal No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best mortgage possible for your unique scenario! Conventional Learn More! FHA Learn More! VA Learn More! Jumbo Learn More! Rehab Learn More! USDA Learn More! How the process works 1 Documentation There are a few critical documents we will need to verify to start your process. Learn More 2 Appraisal The appraisal insures the home you are buying is worth the price that is being offered. Learn More 3 Initial Underwriting The Underwriter will verify that all information is accurate and authentic. Learn More 4 Conditional Approval Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More 5 Clear To Close The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More 6 Closing Signing the final documentation and receiving the keys to your new home! Learn More Request Mortgage Proposal Documentation: Appraisal: Underwriting: Conditional Approval: Clear to Close: Closing: DOWNLOAD OUR HOMEBUYER’S MORTGAGE GUIDE DOWNLOAD NOW DOWNLOAD NOW DOWNLOAD NOW All About Santa Ana Santa Ana, California Santa Ana is a city in Orange County, California. It’s home to the Santa Ana Zoo, with its monkeys, mini-train and walk-through aviary. In a Mission Revival–style building, the Bowers Museum displays a large collection of Native American art. The Discovery Cube Orange County is a children’s museum with hands-on science exhibits. The Heritage Museum of Orange County features restored 1890s homes set amid gardens. Source Things To Do In Santa Ana: Come Spend A Day In Santa Ana! The city of Santa Ana in Orange County, California is a beautiful city that is located next to the Santa Ana River and just ten miles from the Californian coast. The climate in Santa Ana is ideal, with warm, dry summers and mild, wet winters. The warm summers mean a lot of outdoors activities take place as the people make the most of the beautiful scenery that Orange County has to offer. The city itself is very densely populated, with the downtown area being the main arts and entertainment hub. Let’s take a look at the best things to do in Santa Ana. Source Education in Santa Ana About Santa Ana Educational System The Santa Ana Unified School District (SAUSD) is the 7th largest school district in California, and the largest in Orange County. Visit the SAUSD website for more information. The mission of the Rancho Santiago Community College District is to provide quality educational programs and services that address the needs of our diverse students and communities. Visit the District website for more information. Source Santa Ana Image Gallery History of Santa Ana: Santa Ana is rich in history! The Santa Ana area was explored in 1769 by a Spanish expedition led by Gaspár de Portolá. The first people who came to the area named the newly founded settlement Rancho Santiago de Santa Ana in honor of Saint Anne. It quickly became apparent that the ground was fertile for crops and cattle grazing. The city grew to become a farming community that fed the area. Many of the original settlers used the area for crops while a small portion raised cattle. As more people came to the area in the early 1860s, it was determined that there would need to be a plan for the city’s layout. The community was officially laid out in 1869, and the plans for the city’s development went into effect. Following implementation of the plan, the city was renamed Santa Ana. With major growth in new arrivals to the area, local industries continued to grow as well. Santa Ana was chosen to be the seat of Orange County. Santa Ana quickly became a center for commercial, financial, and manufacturing businesses that today produce numerous electronic parts, sporting goods, and aerospace equipment. Source Santa Ana’s Neighborhood Check out Santa Ana’s Neighborhood Santa Ana’s neighborhood associations have been a very effective vehicle to encourage citizen participation for over thirty-five years. The experience of each neighborhood in our community is different whether that be in the areas of their history, leadership, the built environment or current issues and concerns. Each neighborhood is able to receive support from Santa Ana’s Planning and Building Agency and is able to access assistance in the areas of capacity building and leadership training. Santa Ana residents typically find that they are able to focus on what they have in common through their neighborhoods and through their association, magnify the impact of their efforts. Information is available on each Santa Ana Neighborhood Association. Refer to the attached citywide neighborhood map. Source Linda & Roland Wilcox Loan Officers // Sierra Capital Mortgage Co Linda and Roland Wilcox provide clients throughout California with superior financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service. We offer a full portfolio of mortgage products including Conventional, Jumbo, VA, and FHA loans (including Reverse Mortgages). Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. With over 50 years of combined experience and thousands of happy clients throughout California, we look forward to serving you! [email protected] (626) 449-8545 Google Yelp Zillow Facebook LinkedIn Recent Posts Mortgage Market News Fed Holds Steady; Mortgage Rates Fall Read Article Mortgage Market News Good News on Inflation, But Don’t Expect a Fed Rate Cut Read Article Mortgage Market News Jobs Report Chases Rates Back Into The Range Read Article Mortgage Market News Calmer, Friendlier Week For Rates Amid Mixed Signals For Housing Read Article Mortgage Market News Rates Back to 7%. What Will It Take For Them to Drop? Read Article Mortgage Market News Some Uncertainty at The End of an Otherwise Decent Week Read Article View All Posts Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan P Mortgage Glossary of Terms - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Glossary of Terms Glossary Of Terms Abstract Of Title A summary of the public records relating to the title to a particular piece of land. An attorney or title insurance company reviews an abstract of title to determine whether there are any title defects which must be cleared before a buyer can purchase clear, marketable, and insurable title. 1 0 Acceleration Clause Condition in a mortgage that may require the balance of the loan to become due immediately. This may occur if regular mortgage payments are not made or for breach of other conditions of the mortgage. 0 0 Adjustment Interval On an adjustable rate mortgage, the time between changes in the interest rate and/or monthly payment, typically six months, one, three, or five years, depending on the mortgage terms. 0 0 Adjustable Rate Mortgage (ARM) A variable or flexible rate mortgage with an interest rate that adjusts periodically according to the financial index it is based upon plus a margin. To limit the borrower¹s risk, the ARM may have a payment or rate cap. 0 0 Annual Percentage Rate (APR) The cost of credit expressed as an annual rate. It must be calculated by using a formula set by Federal law and disclosed to the borrower to aid in comparing different credit plans. 0 0 Percentage Rate (APR) The cost of credit expressed as an annual rate. It must be calculated by using a formula set by federal law and disclosed to the borrower to aid in comparing different credit plans. 0 0 Application A printed form used by a Mortgage lender to record necessary information concerning a prospective Mortgage. 0 0 Application Fee A sum of money paid towards estimated initial Mortgage processing expenses such as appraisal and credit report. 0 0 Appraisal An expert judgment or estimate of the quality or value of Real Estate as of a given date. 0 0 Appreciation A property’s increase in value due to inflation or economic factors. 0 0 As Separate Property Ownership in real property which is to be specifically excluded from community property. 0 0 Assessed Valuation The value that a taxing authority places on real or personal property for the purpose of taxation. 0 0 Assessment Charges levied against a property for tax purposes or to pay for municipality or association improvements such as curbs, sewers, or grounds maintenance. 0 0 Assignment A means of transferring a contract right or other asset to another person or entity. 0 0 Assumption of Mortgage An obligation undertaken by the purchaser of property to be personally liable for payment of an existing Mortgage. In an assumption, the purchaser is substituted for the original mortgagor in the mortgage instrument and the original mortgagor is to be released from further liability in the assumption, the mortgagee’s consent is usually required. The original mortgagor should always obtain a written release from further liability if he/she desires to be fully released under the assumption. Failure to obtain such a release renders the original mortgagor liable if the person assuming the Mortgage fails to make the monthly payments. An “Assumption of Mortgage” is often confused with “purchasing subject to a Mortgage .” When one purchases subject to a mortgage, the purchaser agrees to make the monthly mortgage payments on an existing mortgage, but the original mortgagor remains personally liable if the purchaser fails to make the monthly payments. Since the original mortgagor remains liable in the event of default, the mortgagee’s consent is not required to a sale subject to a mortgage. Both “Assumption of Mortgage” and “Purchasing Subject to a Mortgage” are used to finance the sale of property. They may also be used when a mortgagor is in financial difficulty and desires to sell the property to avoid foreclosure. 0 0 Balloon Mortgage A mortgage that has level monthly payments which are insufficient to amortize the loan so that a balloon, or lump sum payment is due at the end of the term. Frequently, balloon mortgages contain an opportunity to refinance when the balloon payment is due. 0 0 Bankruptcy A proceeding in a federal court in which a debtor (who owes more than his/her assets or cash flow) is relieved from the payment of debts. This can affect the borrower’s personal liability or the mortgage debt but not the lien of a mortgage. 0 0 Basis Points Used to describe mortgage yield, one basis point equals one 100th of 1% or 0.01%. A mortgage yield increase from 9.50 to 9.75% is an increase of 25 basis points. 0 0 Binder or “Offer to Purchase” A preliminary agreement, secured by the payment of earnest money, between a buyer and seller as an offer to purchase Real Estate. A binder secures the right to purchase Real Estate upon agreed terms for a limited period of time. If the buyer changes his mind or is unable to purchase, the earnest money is forfeited unless the binder expressly provides that it is to be refunded. 0 0 Blanket Mortgage A mortgage covering at least two pieces of Real Estate as security for the same mortgage. 0 0 Borrower (Mortgagor) One who applies for and receives a loan in the form of a mortgage with the intention of repaying the loan in full. 0 0 Bridge Loan A loan, usually a second Mortgage , that is collateralized by the borrower’s present home (that is usually for sale). 0 0 Building Line of Setback Distances from the ends and/or sides of the lot beyond which construction may not extend. The building line may be established by a filed plat of subdivision, by restrictive covenants in deeds or leases, by building codes, or by zoning ordinances. 0 0 Buy-Down Where the buyer pays additional discount points in return for a below market interest rate; or the buyer or seller deposits sufficient funds with the lender to reduce the rate during the first one to three years of the loan; or pays closing costs such as the origination fee. During times of high interest rates, buy-downs may induce buyers to purchase property they may not otherwise have purchased. 0 0 Cap A limit on how much an adjustable rate mortgages monthly payment or annual interest rate can increase. A cap is meant to protect the borrower from large increases and may be a payment cap, an interest cap, a life-of- loan cap or periodic cap. A payment cap is a limit on the monthly payment. An interest cap is a limit on the amount of the interest rate. A life-a-loan cap restricts the amount the interest rate can increase over entire term of the loan. A periodic cap limits the amount the interest rate can change each interest rate adjustment date. 0 0 Cash to Close Liquid assets that are readily available to be used to pay the closing costs involved in a closing of a Mortgage transaction. 0 0 Certificate of Occupancy (CO) Written authorization given by a local municipality that allows a newly completed or substantially completed structure to be inhabited – not to be confused with “Notice of Completion.” 0 0 Certificate of Reasonable Value (CRV) A Veteran’s Administration appraisal that establishes the maximum VA Mortgage loan amount for a specified property. 0 0 Certificate of Title Document rendering an opinion on the status of a property’s title based on public records. 0 0 Closed End Mortgage A mortgage principal amount that is fixed and can not be increased during the life of the loan. 0 0 C Consumer Grievance Policy - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Consumer Grievance Policy We have a policy in place should a consumer have a complaint. You may fill out complaint on our Contact Form and speak to any member of management. The complaint will be routed to the appropriate department and responded to within a few business days. An “in-person” meeting may be offered to you as well. Every reasonable effort will be undertaken to satisfy the customer’s complaint. A complaint forwarded by a State Department of Banking & Finance will be promptly reviewed and a response provided to the Department within a few weeks of the receipt of the complaint by the company. Credit Report Issue? You can go directly to the credit bureaus and apply for a free credit report once a year at www.annualcreditreport.com . If the complaint is about a credit report, you can dispute the inquiry by writing Certified Credit, Avantus Credit or informative Credit. Once a you receive a credit report, you can dispute transactions either by E-mail or by phone with the contact information listed on your report. Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Los Angeles Mortgage Broker | Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Loans in Los Angeles View Loan Programs Request Mortgage Proposal No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best mortgage possible for your unique scenario! Conventional Learn More! FHA Learn More! VA Learn More! Jumbo Learn More! Rehab Learn More! USDA Learn More! How the process works 1 Documentation There are a few critical documents we will need to verify to start your process. Learn More 2 Appraisal The appraisal insures the home you are buying is worth the price that is being offered. Learn More 3 Initial Underwriting The Underwriter will verify that all information is accurate and authentic. Learn More 4 Conditional Approval Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More 5 Clear To Close The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More 6 Closing Signing the final documentation and receiving the keys to your new home! Learn More Request Mortgage Proposal Documentation: Appraisal: Underwriting: Conditional Approval: Clear to Close: Closing: DOWNLOAD OUR HOMEBUYER’S MORTGAGE GUIDE DOWNLOAD NOW DOWNLOAD NOW DOWNLOAD NOW All About Los Angeles Los Angeles, California Los Angeles is a sprawling Southern California city and the center of the nation’s film and television industry. Near its iconic Hollywood sign, studios such as Paramount Pictures, Universal and Warner Brothers offer behind-the-scenes tours. On Hollywood Boulevard, TCL Chinese Theatre displays celebrities’ hand- and footprints, the Walk of Fame honors thousands of luminaries and vendors sell maps to stars’ homes. Source Things To Do In Los Angeles: Come Spend A Day In Log Angeles! Things are looking up, Los Angeles! Over 2.5 million vaccines have been administered in LA County so far, and more are on the way. Someday, in a fantasy world called the future, we can start taking advantage of everything our fine city of Los Angeles has to offer again—like touring one of our world-class museums, loading up our calendar with festivals and concerts, or seeing a show in an actual theater. In the meantime, many outdoor activities—from patio dining to zoo-going are back—and there are still plenty of things you can safely do outdoors or at home virtually. We’ll let you know when this is over. In the meantime, here are a dozen ideas to get you through spring. Source Education in Los Angeles About Los Angeles Educational System Los Angeles is one of the United States’ premier centers for higher education. Within the city limits are several top-ranked colleges and universities, including the University of California at Los Angeles (UCLA), and the University of Southern California (USC). Los Angeles is also home to the Los Angeles Trade Technical College and Pacific States University, among several other schools. In addition, the city of Los Angeles supports the Los Angeles Community College District, boasting nine campuses across the city, many of which are geared toward preparing students for entry into the University of California or California State University systems. Source Los Angeles Image Gallery History of Los Angeles: Los Angeles is rich in history! Los Angeles is the largest city in California and the longtime nexus of the worldwide entertainment, film and television industries. U.S. Census Bureau estimates put the city’s population at more than 3.9 million residents in 2019, which was larger than many states. Los Angeles is among the world’s most ethnically diverse cities, with Hispanics forming a distinct plurality at nearly 48.6% of the population, as of 2019, in addition to 11.6% of people identifying as Asian and nearly 8.9% identifying as African American. About 52.4% of the population identified as white. Source Los Angeles Neighborhood Check out Los Angeles Neighborhood Los Angeles isn’t a single compact city like San Francisco, but a sprawling suburbia comprising dozens of disparate communities located either on the ocean or on the flatlands of a huge desert basin. Ocean breezes push the city’s infamous smog inland and through mountain passes into the sprawl of the San Fernando and San Gabriel valleys. Downtown L.A. is in the center of the basin, about 12 miles east of the Pacific Ocean. Most visitors spend the bulk of their time either along the coastline, in Hollywood, or on the city’s ever-trendy Westside. Source Linda & Roland Wilcox Loan Officers // Sierra Capital Mortgage Co Linda and Roland Wilcox provide clients throughout California with superior financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service. We offer a full portfolio of mortgage products including Conventional, Jumbo, VA, and FHA loans (including Reverse Mortgages). Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. With over 50 years of combined experience and thousands of happy clients throughout California, we look forward to serving you! [email protected] (626) 449-8545 Google Yelp Zillow Facebook LinkedIn Recent Posts Mortgage Market News Fed Holds Steady; Mortgage Rates Fall Read Article Mortgage Market News Good News on Inflation, But Don’t Expect a Fed Rate Cut Read Article Mortgage Market News Jobs Report Chases Rates Back Into The Range Read Article Mortgage Market News Calmer, Friendlier Week For Rates Amid Mixed Signals For Housing Read Article Mortgage Market News Rates Back to 7%. What Will It Take For Them to Drop? Read Article Mortgage Market News Some Uncertainty at The End of an Otherwise Decent Week Read Article View All Posts Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Privacy Policy - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Privacy Policy Collection of Information: We collect non-personally identifiable information about you in a number of ways, including tracking your activities through your IP address or most-recently-visited URL. However, we do not collect any personally identifiable information about you unless you voluntarily submit contact information to us, such as name, phone, email address, and mailing address by filling out a form or survey, registering your email address with us or emailing us. We may also collect personal information from you at other points on our site that state that personal information is being collected. Disclosure of Information: We do not sell or rent your personally identifiable information to any third parties. Use of Information: We use personally identifiable and non-personally identifiable information for internal marketing purposes, for trend analysis, for pattern detection, and for site administration. However, we do not use personally identifiable information collected from the website to send unsolicited mailings to you. Of course, if applicable, we do use personally identifiable information to perform the services for which such data was collected (i.e., if you sign up for an email newsletter, we will send the email newsletter to the address you provide us). We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference on by clicking on the unsubscribe link contained in the footer of the email. If you no longer wish to receive our newsletter and promotional communications, you may opt-out of receiving them by clicking on the unsubscribe link in the footer included in each newsletter or communication or by emailing us at the reply address of the email or you may contact us by phone at 800-270-3416. Third Party Sites Review and Removal of your Personally Identifiable Data: If you provide us with personally identifiable information to have us perform ongoing services to you, we will provide you with a way to review the information we have on file and either change or remove such data. To do so, please notify us via post or email at the address above and we will provide you with your contact information for review. To make changes, send us the changes and we will respond to your request for access within thirty (30) days of the request. Unfortunately, to the extent that such information is also stored in other databases, we cannot always ensure that such corrections or deletions will reach the other databases. If you wish to have information you provided to us online removed from our records, please provide us with the information as you submitted it to us at the address above. We will use all reasonable efforts to ensure that your information is removed from our records. Cookies and other Tracking Methods: When you view our website, we might store some information on your computer. This information will be in the form of a “cookie” or similar file. Cookies are small pieces of information stored on your hard drive, not on our site. Cookies, which are tied to personal information, do not spy on you or otherwise invade your privacy, and they cannot invade your hard drive and steal information. Rather, they help you navigate a website as easily as possible. Cookies can help us provide information that is targeted to your interests and they allow us to better understand how users use our site, which in turn helps us focus our resources on features that are most popular with our users. You are always free to decline our cookies if your browser permits, but some parts of our site, including our registered customer account web sites may not work properly in that case. Third Party Tracking: We use a third-party tracking service from Google Analytics that uses cookies to track information about visitors to our site in the aggregate on page visits, time on page, and visitor bounce rates to enable our making the site better and more informative to our visitors. Legal Disclosure: We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our website. Security: We use industry-standard methods to protect your personally identifiable information from unauthorized access. Among other techniques, we usually store such information on a computer behind our “firewall” in a secure location, and we often restrict the number of employees internally who can access such data. Of course, there is no such thing as “perfect security” on the Internet. Amendments: Amendments to this policy will be posted at this URL and will be effective when posted. Changes in this Privacy Statement: If we decide to change our privacy policy, we will post those changes to this privacy statement, the home page, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page. By using our website, you are accepting this privacy policy and the practices set out in this policy. Should you have any questions about our Privacy Policy, or need assistance regarding our privacy policy please contact us by clicking HERE . Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Santa Clarita Mortgage Broker | Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Loans in Santa Clarita View Loan Programs Request Mortgage Proposal No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best mortgage possible for your unique scenario! Conventional Learn More! FHA Learn More! VA Learn More! Jumbo Learn More! Rehab Learn More! USDA Learn More! How the process works 1 Documentation There are a few critical documents we will need to verify to start your process. Learn More 2 Appraisal The appraisal insures the home you are buying is worth the price that is being offered. Learn More 3 Initial Underwriting The Underwriter will verify that all information is accurate and authentic. Learn More 4 Conditional Approval Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More 5 Clear To Close The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More 6 Closing Signing the final documentation and receiving the keys to your new home! Learn More Request Mortgage Proposal Documentation: Appraisal: Underwriting: Conditional Approval: Clear to Close: Closing: DOWNLOAD OUR HOMEBUYER’S MORTGAGE GUIDE DOWNLOAD NOW DOWNLOAD NOW DOWNLOAD NOW All About Santa Clarita Santa Clarita, California Santa Clarita is a California city north of Los Angeles. It’s known for the Six Flags Magic Mountain theme park, with many roller coasters. The adjacent Six Flags Hurricane Harbor is a summertime water park with tall slides and a wave pool. The prehistoric stone formations of Vasquez Rocks Natural Area Park have served as a backdrop for many films. William S. Hart Park has a museum dedicated to the silent-film star. Source Things To Do In Santa Clarita: Come Spend A Day In Santa Clarita! No matter the reason, we can create an event for you that your guests will never forget. Whether you’re hosting a company function, celebrating a special occasion, throwing a client appreciation event, or just looking for a unique outing with friends, K1 Speed is the perfect destination for a thrilling event with speed. All of our events offer reserved times so you won’t have to wait, private racing for your group, and a professional-style racing format that is exclusive to our group event packages! Source Education in Santa Clarita About Santa Clarita Educational System Award-Winning Schools The City of Santa Clarita consistently ranks among the top California communities for families because of the area’s high ranking, high performing public schools. Nearly two-thirds of Santa Clarita’s elementary schools having been named a California Distinguished School at least once, if not several times, for a total of nearly 90 individual awards of recognition since 1986. Santa Clarita schools consistently rank among the top 10 percent in the state. Source Santa Clarita Image Gallery History of Santa Clarita: Santa Clarita is rich in history! The Santa Clarita Valley has a rich history, including stories of outlaws, cowboys and indians, gold rushes, oil booms and busts, a flooding disaster of epic proportions, and participation in the glamorous early days of film. First Settlers: The first area settlers were the Shoshone-speaking Tataviam, who settled in the area about AD 450. Not much is known about the Tataviam indians. Santa Clarita got its name from the Portola expedition. The Spaniards arrived on horseback in August 1769 and named the wild river they saw for St. Clare (Santa Clara). The river was later called the “little” Santa Clara, and the valley accordingly took the name of Santa Clarita. Source Santa Clarita’s Neighborhood Check out Santa Clarita’s Neighborhood Santa Clarita is located on the map just minutes from the San Fernando Valley and approximately about 34 miles from downtown Los Angeles. Of course, this distance could be more or less depending on exactly where you are in Santa Clarita. The Santa Clarita Valley areas and neighborhoods are without a doubt, some of the most popular in Southern California. In fact, our city continues to grow, enabling many to live, work and play, right here in Santa Clarita. Those working in other cities enjoy a reasonable commute to nearby locations, such as downtown Los Angeles, the San Fernando Valley, Simi Valley, or elsewhere. Year after year, Santa Clarita continues to be one of the safest cities in California. With a population of over 300,000 and growing, we have all the local conveniences needed without having to travel outside the area. There are well over 100 miles of trail systems, public transportation, entertainment and plenty of activities for people of all ages! Source Linda & Roland Wilcox Loan Officers // Sierra Capital Mortgage Co Linda and Roland Wilcox provide clients throughout California with superior financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service. We offer a full portfolio of mortgage products including Conventional, Jumbo, VA, and FHA loans (including Reverse Mortgages). Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. With over 50 years of combined experience and thousands of happy clients throughout California, we look forward to serving you! [email protected] (626) 449-8545 Google Yelp Zillow Facebook LinkedIn Recent Posts Mortgage Market News Fed Holds Steady; Mortgage Rates Fall Read Article Mortgage Market News Good News on Inflation, But Don’t Expect a Fed Rate Cut Read Article Mortgage Market News Jobs Report Chases Rates Back Into The Range Read Article Mortgage Market News Calmer, Friendlier Week For Rates Amid Mixed Signals For Housing Read Article Mortgage Market News Rates Back to 7%. What Will It Take For Them to Drop? Read Article Mortgage Market News Some Uncertainty at The End of an Otherwise Decent Week Read Article View All Posts Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Revi Sierra Capital Mortgage - Linda & Roland Wilcox Mortgage Team Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email How can we help you? Play Video Check out our video I'm Buying I'm Refinancing Linda & Roland Wilcox Loan Officers // Sierra Capital Mortgage Co Linda and Roland Wilcox provide clients throughout California with superior financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service. We offer a full portfolio of mortgage products including Conventional, Jumbo, VA, and FHA loans (including Reverse Mortgages). Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. With over 50 years of combined experience and thousands of happy clients throughout California, we look forward to serving you! [email protected] (626) 449-8545 Google Yelp Zillow Facebook LinkedIn Why work with us? We are an independent mortgage company that works with an extensive network of lending partners including commercial banks, credit unions, mortgage companies and other financial institutions. We find the best loan product and mortgage rate for our clients while guiding them through the loan qualification and loan approval process. Your hometown mortgage experts! Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money. First Time Homebuyers Buying your first home? We offer the guidance to get you started! Mortgage Walkthrough Guide Get educated! Learn exactly what happens every step of the process! Mortgage Calculator How much can you afford? What does that payment look like? Click here to view! Home Loan Options We're here to help fit the right mortgage product with your unique financial picture! Get started by using one of our FREE tools! Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Purchase Pre-Approval Refinance Analysis Download Mortgage Guide How the process works 1 Documentation There are a few critical documents we will need to verify to start your process. 2 Appraisal The appraisal insures the home you are buying is worth the price that is being offered. 3 Initial Underwriting The Underwriter will verify that all information is accurate and authentic. 4 Conditional Approval Conditional Approval is granted when the Underwriter approves the loan under certain conditions. 5 Clear To Close The Underwriter verifies that all documentation has been provided and all conditions have been met. 6 Closing Signing the final documentation and receiving the keys to your new home! Request A Call Over 40 years of experience and thousands of happy clients! “Do not bother going anywhere else! I had such a positive experience with Roland & Linda, I am recommending them to everyone! They are the nicest, most efficient and helpful professionals I have worked with in ages. And I got an incredible rate, saving me about $600 a month. Such great people. Please use them next time you need a mortgage or refi! Thank you!” Mary N. Los Angeles, CA See More Reviews Recent Posts Mortgage Market News Fed Holds Steady; Mortgage Rates Fall Read Article Mortgage Market News Good News on Inflation, But Don’t Expect a Fed Rate Cut Read Article Mortgage Market News Jobs Report Chases Rates Back Into The Range Read Article Mortgage Market News Calmer, Friendlier Week For Rates Amid Mixed Signals For Housing Read Article Mortgage Market News Rates Back to 7%. What Will It Take For Them to Drop? Read Article Mortgage Market News Some Uncertainty at The End of an Otherwise Decent Week Read Article View All Posts Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Contact - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Need to get in touch? Linda & Roland Wilcox Loan Officers // Sierra Capital Mortgage Co Linda and Roland Wilcox provide clients throughout California with superior financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service. We offer a full portfolio of mortgage products including Conventional, Jumbo, VA, and FHA loans (including Reverse Mortgages). Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. With over 50 years of combined experience and thousands of happy clients throughout California, we look forward to serving you! [email protected] (626) 449-8545 Google Yelp Zillow Facebook LinkedIn Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Calculator - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Quick Mortgage Calculator Mortgage Calculator is for demonstration purposes only and may not reflect actual numbers for your mortgage. Please contact us and we will walk you through the best possible mortgage scenario for your specific needs. Get started by using one of our FREE tools! Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Linda & Roland Wilcox Loan Officers // Sierra Capital Mortgage Co Linda and Roland Wilcox provide clients throughout California with superior financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service. We offer a full portfolio of mortgage products including Conventional, Jumbo, VA, and FHA loans (including Reverse Mortgages). Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. With over 50 years of combined experience and thousands of happy clients throughout California, we look forward to serving you! [email protected] (626) 449-8545 Google Yelp Zillow Facebook LinkedIn Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Mortgage Process - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email The mortgage process Learn More Play Video Watch The Video How the process works 1 Documentation There are a few critical documents we will need to verify to start your process. Learn More 2 Appraisal The appraisal insures the home you are buying is worth the price that is being offered. Learn More 3 Initial Underwriting The Underwriter will verify that all information is accurate and authentic. Learn More 4 Conditional Approval Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More 5 Clear To Close The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More 6 Closing Signing the final documentation and receiving the keys to your new home! Learn More Request A Call Ready to learn more? Learn about the various loan programs we offer. Loan Programs Learn about the next step in the mortgage process. Documentation Stage Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Pasadena Mortgage Broker - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Loans in Pasadena I'm Buying I'm Refinancing Linda & Roland Wilcox Loan Officers // Sierra Capital Mortgage Co Linda and Roland Wilcox provide clients throughout California with superior financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service. We offer a full portfolio of mortgage products including Conventional, Jumbo, VA, and FHA loans (including Reverse Mortgages). Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. With over 50 years of combined experience and thousands of happy clients throughout California, we look forward to serving you! [email protected] (626) 449-8545 Google Yelp Zillow Facebook LinkedIn No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best rate possible! Conventional Learn More! FHA Learn More! VA Learn More! Jumbo Learn More! Reverse Mortgages Learn More! Additional Loan Programs Learn More! How the process works 1 Documentation There are a few critical documents we will need to verify to start your process. Learn More 2 Appraisal The appraisal insures the home you are buying is worth the price that is being offered. Learn More 3 Initial Underwriting The Underwriter will verify that all information is accurate and authentic. Learn More 4 Conditional Approval Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More 5 Clear To Close The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More 6 Closing Signing the final documentation and receiving the keys to your new home! Learn More Request Mortgage Proposal Documentation: Appraisal: Underwriting: Conditional Approval: Clear to Close: Closing: DOWNLOAD OUR HOMEBUYER’S MORTGAGE GUIDE DOWNLOAD NOW DOWNLOAD NOW DOWNLOAD NOW All About Pasadena Pasadena, California Pasadena is a city in California, northeast of downtown Los Angeles. In the center, Old Pasadena is a shopping and dining district known for its Victorian and art deco buildings. The strikingly modern Norton Simon Museum houses notable European and Asian art, plus a sculpture garden. The Rose Bowl is a sports stadium known for hosting the Rose Bowl Game, an annual college football clash usually held on January 1. Source Things To Do In Pasadena: Come Spend A Day In Pasadena! Pasadena is one of Los Angeles County’s first incorporated cities, famous for its Rose Bowl football games and tournaments. Since its incorporation in 1886, many other places to visit have made their name here beyond historical attractions. Gardens, galleries, theatres, and more provide you with plenty of options for vacation visits! Here are our picks for the 30 best and fun things to do in Pasadena, California. Source Education in Pasadena About Pasadena Educational System At Pasadena ISD, we’ve saved a seat for your child! We recognize that for your child’s education, one size does not fit all. Through an innovative, personalized approach, we empower students to become life-long learners who are invested in their own education. From our Personalized Learning program to our state-of-the-art career certifications to our award-winning Fine Arts programs, our rigorous curriculum is designed to prepare your child for the path they choose. Source Pasadena Image Gallery History of Pasadena: Pasadena is rich in history! The land now famous for the Tournament of Roses, the Rose Bowl, the Jet Propulsion Laboratory, and California Institute of Technology, was once occupied by the Hahamogna Tribe of Native Americans. Subsisting on local game and vegetation, the Hahamognas lived in villages scattered along the Arroyo Seco and the canyons from the mountains down to the South Pasadena area. With the arrival of the Spaniards and the establishment of the San Gabriel Mission on September 8, 1771, most of the Native Americans were converted and provided labor for the mission. The San Gabriel Mission, the fourth in California, grew to be prosperous, with abundant orchards, vineyards and herds. The vast lands which it administered for the Spanish Crown were divided into ranchos. After the rule of missions, California passed from Spain to Mexico, the Mexican government in 1833 secularized the mission lands and awarded them to individuals. Source Pasadena’s Neighborhood Check out Pasadena’s Neighborhood On July 26, 1990, the Americans with Disabilities Act (ADA) was signed into law. The ADA is a comprehensive civil rights law prohibiting discrimination on the basis of disability. It is also a declaration of equality for people with disabilities, including the statement of congressional intent “to assure equality of opportunity, full participation, independent living, and economic self-sufficiency for individuals with disabilities.” It broadly protects the rights of individuals with disabilities in employment, access to State and local government services, places of public accommodation, transportation, and other important areas of life. Source Recent Posts Mortgage Market News Fed Holds Steady; Mortgage Rates Fall Read Article Mortgage Market News Good News on Inflation, But Don’t Expect a Fed Rate Cut Read Article Mortgage Market News Jobs Report Chases Rates Back Into The Range Read Article Mortgage Market News Calmer, Friendlier Week For Rates Amid Mixed Signals For Housing Read Article Mortgage Market News Rates Back to 7%. What Will It Take For Them to Drop? Read Article Mortgage Market News Some Uncertainty at The End of an Otherwise Decent Week Read Article View All Posts Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Step 5: Clear To Close - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Process Step #5 Clear To Close Learn More Preparing for a Successful Closing Preparing for a Successful Closing It’s time to get you to the closing table! The final step in funding your loan or “closing” on your purchase is where all final documents are signed, last minute underwriting conditions are met, and money is exchanged. At this point in the mortgage process, all inspections and appraisals have been completed, initial contracts and documents have been reviewed through underwriting, and it is time to sign your final documents. Mortgage Loan Process Step 1: Documentation Step 2: Appraisal Step 3: Underwriting Step 4: Conditional Approval Step 5: Clear To Close Step 6: Closing Please feel free to contact us at any time if you have any questions about your loan status or next steps in the process. What to be prepared for at closing The closing table is where the you (the borrower) sit down with a notary, escrow agent, or attorney to complete the transaction. Schedule your appointment: You’ll need to be ready to take enough time to sign all of your loan closing documents and have your questions answered. Try to leave a few hours open after your closing appointment to prepare for delays so that you aren’t rushing through the important process of reading and understanding what you are signing. Funds to close: If it is required for you to bring in the down payment and/or pay for closing costs to finalize the transaction, you’ll need to bring a certified check from a bank, or wire funds directly to the title/escrow company. PRIOR to wiring any money please call the title company/attorneys office directly to confirm instructions. The escrow company, your agent, and I should provide you with a full breakdown of all fees and costs involved in the transaction. If you don’t have to bring in any funds to close, then you might actually be getting a portion of the earnest money deposit back. Keep in mind, it is important to make sure these funds to close come from the proper sources. Updated documentation: If you have not already provided us with updated paystubs or bank info, we may ask that you bring it to closing and have any other final documentation sent back with the final signed loan documents. Proof of identification: Official driver’s license or state-issued ID card. Ready to learn more? Review the previous step in the mortgage process. Conditional Approval Stage Learn about the next step in the mortgage process. Closing Stage Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Our Team - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Meet Our Team Since 1996, Sierra Capital Mortgage has provided clients throughout California the best possible financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service. We offer a full portfolio of mortgage products including Conventional, Jumbo, and FHA / VA loans. Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. Roland & Linda Wilcox // Loan Officers Linda Wilcox // Loan Officer Roland Wilcox // Loan Officer With over 40 years of experience and thousands of happy clients throughout California, we look forward to serving you. Learn More First-Time Home Buyers Buying your first home? We offer the guidance you need to get started. Mortgage Walkthrough Guide Get educated! Learn exactly what occurs in every step throughout the mortgage process. Mortgage Calculator How much can you afford? What does that monthly payment look like? Find out here. Home Loan Options We’re here to help you figure out which mortgage best fits your unique financial picture. Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Jumbo Mortgage - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Loan Program Jumbo Home Loans Learn More Get started by using one of our FREE tools! Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Is a jumbo loan right for you? Need a bigger loan for your property? Then a jumbo loan might be right for you. While similar to conventional loans, jumbo mortgages exceed the amount of conventional conforming loan limits. With larger loans come increased risk, so keep in mind that jumbo loan qualification requirements can be stricter. Request A Call Benefits of a jumbo loan Purchasing a high end home: Consider a jumbo loan if you need a loan that exceeds your county’s conforming loan limit. Eliminate the need to have multiple loans: Provides the convenience of one loan for the entire loan amount, with a variety of options. Save on mortgage insurance: Since a 20% down payment is often required for jumbo loans, private mortgage insurance isn’t always required. Request A Call Jumbo loan eligibility requirements Good credit score A deposit of 20% or higher Proof that you are able to repay the loan Statement of assets Request A Call Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X HomePossible Mortgage - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Loan Program HomePossible Mortgage Loans Learn More Get started by using one of our FREE tools! Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Purchase Pre-Approval Refinance Analysis Download Mortgage Guide Is a HomePossible Mortgage loan right for you? The HomePossible Mortgage offers more options and credit flexibilities than ever to help you attain the dream of owning a home. In addition to its down payment requirement of as little as 3%, HomePossible now offers more options to get you into your dream home. Co-borrowers who do not live in the home can be included for a borrower’s one-unit residence, borrowers are permitted to have another financed property, and more – all with competitive pricing and the ease of a conventional mortgage! Request A Call Benefits of a HomePossible Mortgage loan Realize the milestone of homeownership without the barrier of gathering a 20 percent down payment. Apply sweat equity for up to the entire amount of the down payment and closing costs. Non-occupying co-borrowers can contribute to borrower funds on one-unit properties. Cancel mortgage insurance upon reaching 20 percent equity, reducing the monthly mortgage payment and potentially saving thousands over the life of the loan. Enable empowered decisions and life-long responsible homeownership with required homeownership education. Request A Call HomePossible Mortgage loan eligibility requirements Flexible sources of down payments: Down payment can come from a variety of sources, including family, employer-assistance programs, secondary financing, and sweat equity. Income limits: There may be certain income limits. Contact us to see if you qualify! Maximum LTV ratios: Low down payment with a maximum of 97% LTV, 105% TLTV with Affordable Seconds, and 97% HTLTV for 1-unit properties. Mortgage Insurance: Mortgage insurance on 1-unit properties can be cancelled after loan balance drops below 80% of the home’s appraised value and cancellation criteria are met. MI coverage requirements are reduced for LTV ratios above 90%. Pricing: Credit fees are capped and less than standard fees for all loans over 80% LTV. Eligible property types: 1-4 units, condos and planned-unit developments; manufactured homes are eligible with certain restrictions. Request A Call Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Step 1: Documentation - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Process Step #1 Documentation Stage Learn More Welcome to the first step in the mortgage process! Welcome to the first step in the mortgage process! The first step in the mortgage process is the documentation stage, where we review your income, assets, employment history, and other compensating factors to determine your ability to repay a mortgage loan. This is also an opportunity for you to examine the overall financial impact that a new mortgage will have on your total monthly budget, so that you can choose a loan amount and mortgage program that you are most comfortable with. Our goal is to obtain a speedy approval. The more thorough you are in preparing your paperwork, the faster we can move together on getting your loan approved and funded. Mortgage Loan Process Step 1: Documentation Step 2: Appraisal Step 3: Underwriting Step 4: Conditional Approval Step 5: Clear To Close Step 6: Closing Please feel free to contact us at any time if you have any questions about your loan status or next steps in the process. Approval Pitfalls We believe communication is the key to a smooth mortgage process and we will will hold your hand from the start all the way to closing. While there are a number of factors outside of your control that can delay or prevent a home loan from closing, the following list will help you stay on the right path. D0: Keep your records in good order Keep your financial records close at hand Be aware that we need to verify income documents Save bank statements Save paystubs D0n’t: Apply for new credit Change jobs during the process Make undocumented bank deposits Payoff debt, charge offs of collections without notification Hesitate to reach out and ask questions While you are in the process of getting a new mortgage, keep your financial status as stable as possible until the loan is funded and recorded. Any number of minor changes could easily raise a red flag or cause a negative impact on a credit score, and we want to do everything we can to avoid a denied loan. A few documents we’ll likely need to review include: Income / Assets: W2’s – from the last two years 1040 federal tax returns – from the last two years Two recent pay stubs Two recent bank statements – all pages Self-Employed: K1 / 1099 / Profit and Loss YTD Housing: Current and previous addresses for the previous 2 years Leasing: name and phone number of landlord(s) Investor: copy of lease agreements on rental properties Other: Copy of your driver’s license or state-issued ID for all borrowers There may also be required documents we may need to review depending on your specific scenario. Ready to learn more? Go back to see the overall mortgage process. Mortgage Process Learn about the next step in the mortgage process. Appraisal Stage Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Download Mortgage Guide - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Long Beach Mortgage Broker | Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Loans in Long Beach View Loan Programs Request Mortgage Proposal No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best mortgage possible for your unique scenario! Conventional Learn More! FHA Learn More! VA Learn More! Jumbo Learn More! Rehab Learn More! USDA Learn More! How the process works 1 Documentation There are a few critical documents we will need to verify to start your process. Learn More 2 Appraisal The appraisal insures the home you are buying is worth the price that is being offered. Learn More 3 Initial Underwriting The Underwriter will verify that all information is accurate and authentic. Learn More 4 Conditional Approval Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More 5 Clear To Close The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More 6 Closing Signing the final documentation and receiving the keys to your new home! Learn More Request Mortgage Proposal Documentation: Appraisal: Underwriting: Conditional Approval: Clear to Close: Closing: DOWNLOAD OUR HOMEBUYER’S MORTGAGE GUIDE DOWNLOAD NOW DOWNLOAD NOW DOWNLOAD NOW All About Long Beach Long Beach, California Long Beach is a coastal city and port in Southern California. Moored in its Queensway Bay, RMS Queen Mary is a retired ocean liner and museum ship. The waterfront Aquarium of the Pacific features touch tanks and a shark lagoon. Modern and contemporary works are on display at the Museum of Latin American Art. Rancho Los Cerritos is a 19th-century adobe home and museum set in expansive gardens. Source Things To Do In Long Beach: Come Spend A Day In Long Beach! Satisfy your inner urbanite at downtown Long Beach’s vibrant waterfront scene. From eclectic neighborhoods to sandy beaches, you’ll find Long Beach to be an urban waterfront playground. Visit museums, tour a 1930s ocean liner and watch sea lions at Long Beach’s aquarium. Enjoy live performances and cruise Naples canals. Spot dolphins at play on your way to Catalina Island. Or take a short jaunt to Disneyland, Universal Studios Hollywood, or other Southern California attractions. Source Education in Long Beach About Longbeach Educational System Long Beach Unified School District is a highly rated, public school district located in Long Beach, CA. It has 72,935 students in grades K-12 with a student-teacher ratio of 26 to 1. According to state test scores, 42% of students are at least proficient in math and 51% in reading. Source Long Beach Image Gallery History of Long Beach: Long Beach is rich in history! 1784: The area that is now Long Beach was first settled as part of a massive Spanish land grant to soldier Manuel Nieto, encompassing the historic 28,000-acre Ranch Los Alamitos and its sister rancho, 27,000-acre Rancho Los Cerritos. 1866: Rancho Los Cerritos was sold to Lewellyn Bixby and then managed by his brother Jotham. The Bixby family soon became prominent ranchers and developers of Long Beach. 1882: Long Beach, originally planned as Willmore City by developer William Willmore, began forming along the coast. 1885: Competition between the new Santa Fe Railroad and older southern Pacific Railroad attracted hordes of visitors to Long Beach and created a real estate boom. 1888: Original residents of the foiled Willmore City renamed their town Long Beach, after its long, wide beaches, and the city became incorporated. Source Long Beach’s Neighborhood Check out Long Beach’s Neighborhood More people are being drawn to the city of Long Beach every year, and you can’t really blame them. After all, the city has loads of restaurants, popular beaches, entertainment, and of course, great weather every day. Like Downtown Los Angeles, there’s a long list of developments on their way to Long Beach, so the city skyline will inevitably look different over the coming years. For those homebuyers who are looking to move to Long Beach right now, you might be wondering where to start. Since Long Beach is the third-largest city in Southern California (after Los Angeles and San Diego), navigating the city’s many neighborhoods can be overwhelming. After considering the population density, amenities, housing, public space, and overall walkability of each Long Beach neighborhood, Neighborhoods.com decided to compile a list of the city’s most popular communities. Source Linda & Roland Wilcox Loan Officers // Sierra Capital Mortgage Co Linda and Roland Wilcox provide clients throughout California with superior financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service. We offer a full portfolio of mortgage products including Conventional, Jumbo, VA, and FHA loans (including Reverse Mortgages). Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. With over 50 years of combined experience and thousands of happy clients throughout California, we look forward to serving you! [email protected] (626) 449-8545 Google Yelp Zillow Facebook LinkedIn Recent Posts Mortgage Market News Fed Holds Steady; Mortgage Rates Fall Read Article Mortgage Market News Good News on Inflation, But Don’t Expect a Fed Rate Cut Read Article Mortgage Market News Jobs Report Chases Rates Back Into The Range Read Article Mortgage Market News Calmer, Friendlier Week For Rates Amid Mixed Signals For Housing Read Article Mortgage Market News Rates Back to 7%. What Will It Take For Them to Drop? Read Article Mortgage Market News Some Uncertainty at The End of an Otherwise Decent Week Read Article View All Posts Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Download our Homebuyer's Guide! Download Now! X Reviews - Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email What our previous clients are saying Scroll down to read some reviews on this page, or you can click on the social media buttons below to read reviews on those sites. Google Yelp Zillow “ I had a bad experience with the previous company that was helping me with my home buying process. I found linda on Google and since the start she was amazing! She communicated with me. She explained everything step by step! She was so helpful with everything. I Will high definitely recommend Linda and her husband! Anthony S. Homebuyer “ Linda and Roland helped us with the purchase of our first home last year. They were a wealth of knowledge and I am so thankful they helped us thru the process. Things were insane at that time and we needed multiple pre-approval letters which they provided and were available to help answer any questions we had. They helped fill in the gaps when our realtor couldn't/wouldn't help. They ensured we had a smooth closing I'm so thankful for them and thoroughly recommend them! Desiree M. Homebuyer “ We have lived in Sacramento,California for 23 years. Sierra Capital helped us buy our first house when my wife and I were just married and a baby on the way in 2000. We had no idea how real estate worked. We put full trust in Linda and Rowland. They got us a loan with terms we could afford. We knew there were going to be penalties in 5 years we had no idea how we could afford them. They said, it's ok, you will refinance by then. Which we did. And as time went on, we were a growing family and there were options to refinance. And a couple years later, another baby on the way we looked for a bigger house, Sierra Capital was there to help us with a bridge loan. And we moved up and expanded. And for the last 23 years they have looked out for us and helped with refinancing and guiding our family in the real estate market. Now we found a retirement home for the future and also helping us help our children. They have helped my dad, and 2 siblings with their real estate needs. I wish I could give 100 stars. Thank you for all of your hard work Robert R. Homebuyer “ Linda handled a few of our financing and refinancing deals. We couldn't be happier with her! She's professional, warm, patient, and responsive. You can tell that she truly wants to help those who need her service. Just the other day, when we talked over the phone about how the pandemic had hit people hard, she sighed and said that she's grateful for being able to help people refinance their homes in this situation and save a few hundred dollars a month - that makes her happy. I like to work with someone who finds and feels a purpose in her work! Shelley L. Homebuyer “ After hearing the horror stories of LA real estate I was hesitant to start the process of home buying. However, Linda and her team made what would normally be a stressful experience, into a smooth and educational process. Not only did they constantly inform me about the latest updates but I felt that they understood my me and my partner's unique situation as first-time home buyers in Los Angeles. Most importantly, Linda consistently held a positive attitude regardless of unexpected challenges and never faltered in her professionalism. I can wholeheartedly say she has earned my future business. Jesus DeLintt Homebuyer “ We had a great experience with Linda - As first time home buyers, we did not know what we were doing. Linda was very responsive at all times of day, talked us through each step of the process, and was on top of all the paperwork to keep things moving along! All of this was important as we had a 21 day escrow. She was always ready to answer our questions and it made everything easier! Dustin and Julia Homebuyer “ We had a fantastic experience with Linda who came highly recommended from our real estate agent. Quick responses and an attention to detail really left us with a lot of confidence both in our own understanding of the process and in the rate we were able to get during tumultuous times. Thank you Linda! Derek O'Hara Homebuyer “ Linda has been our guide through more home finances and refinances than I can remember! I wouldn't trust any other company to help us with such an important transaction. chuck4650 Homebuyer “ Roland was our savior during a wild time in the real estate market and navigating the confusing world of mortgages while buying our first home. From our first consultation through after we closed and moved into our new home, Roland guided us every step of the way. He was caring, thoughtful, patient, and extremely knowledgeable and responsive. He guided, encouraged, and helped us through every step of the way, explaining all the confusing nuances of the mortgage process. I cannot imagine buying a home without his guidance. If you are on the fence about using a mortgage broker, or don't know how to evaluate them to choose one, let me make it easy for you: give Roland a call and you will never look back. I cannot recommend Sierra Capital enough!! There is no reason to look any further, give them a call now! We will absolutely be recommending to any friends in the area looking to buy. Thank you so so so much!!! Nate P Homebuyer “ My wife and I shopped around for not only the best mortgage rate but we were also looking for professional experience & responsiveness to our inquiries and we ultimately picked Roland over many others. From our very first phone inquiry call with him, we already knew that Roland is very knowledgeable in the mortgage & real estate market and very particular about details. With Roland’s help & expert advice, we were able to close on our new home in a record-breaking period of 3 weeks, a week earlier than the estimated COE! That doesn’t normally happen in these times, but he made it happen. He was on top of everything from the Pre-Approval process up to the Final Loan Approval — which btw all happened in a span of 2 weeks and we closed on our home the following week. Thank you, Roland, for all your guidance and help in making our new home purchase easy and a success! Mary T Homebuyer “ Linda has been our guide through more home finances and refinances than I can remember! I wouldn't trust any other company to help us with such an important transaction. Chuck Homebuyer “ We're so glad to have worked with Sierra Capital on a recent home purchase and refinance. My husband and I spoke to a few different brokers and financial institutions last year before we started seriously looking for a new home, and though all gave us comparable and competitive rates, what really set Sierra Capital apart from the others was customer service. Roland was very thorough in reviewing loan options with us, and when it took us a few months to actually start looking at homes, Roland emailed us to just to check in. Roland and Linda helped tremendously when it came time to write offers by doing a quick check up of our file to make sure we could remove our loan contingency with absolute confidence. Our closing process went smoothly and on-time with their help. As an added bonus, they also recommended the fantastic agent we worked with! More recently, we did a refi with Roland. It's worth noting that my husband and I are known procrastinators; we'd been talking about looking into refinancing after hearing about lower rates but always put it off. Roland was the one who reach Request Quote Conversational Form Loading... Glendale Mortgage Broker | Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Loans in Glendale View Loan Programs Request Mortgage Proposal No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best mortgage possible for your unique scenario! Conventional Learn More! FHA Learn More! VA Learn More! Jumbo Learn More! Rehab Learn More! USDA Learn More! How the process works 1 Documentation There are a few critical documents we will need to verify to start your process. Learn More 2 Appraisal The appraisal insures the home you are buying is worth the price that is being offered. Learn More 3 Initial Underwriting The Underwriter will verify that all information is accurate and authentic. Learn More 4 Conditional Approval Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More 5 Clear To Close The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More 6 Closing Signing the final documentation and receiving the keys to your new home! Learn More Request Mortgage Proposal Documentation: Appraisal: Underwriting: Conditional Approval: Clear to Close: Closing: DOWNLOAD OUR HOMEBUYER’S MORTGAGE GUIDE DOWNLOAD NOW DOWNLOAD NOW DOWNLOAD NOW All About Glendale Glendale, California Glendale is a city in Los Angeles County, California. Downtown, the Museum of Neon Art showcases light-based, kinetic and electric art, plus vintage neon signs. Brand Park has trails and the 19th-century Doctor’s House Museum and Gazebo. The Verdugo Mountains offer equestrian routes and hilltop lookouts. Northeast, trails run through rugged Deukmejian Wilderness Park in the foothills of the San Gabriel Mountains. Source Things To Do In Glendale: Come Spend A Day In Glendale! Glendale used to be most famous for its mall, but now this city on the outskirts of Los Angeles is known for so much more, and is rapidly making a name for itself as the place to come if you want something a little different. The city is surrounded by beautiful scenery, and as such you can go for a hike in the neighboring mountains, where you will find rugged terrain scattered with wild flowers. Hiking and biking are also popular in the area, or in one of the city’s parks. If you prefer to stay in town, then you can enjoy a range of quirky galleries and museums in the city, and when the sun sets you will find live music and a range of dining options all over the city. Speaking of dining, don’t forget to try some of the signature eats in the city thanks to the large Armenian population here, as well as some of the Cuban treats that are also sold in the city. Source Education in Glendale About Glendale Educational System Since 2005, GEF has raised over $3.4 million to support impactful programs in the arts, sciences, athletics, and nutrition. We need to raise over $350,000 each year to keep these programs going for the next class of students. Our organization works on behalf of the Glendale community to enliven public education in three areas of focus: visual and performing arts, science and technology, and health and fitness. Your support allows us to enhance Glendale Unified School District in a multitude of ways – from arts integration in elementary schools to robotics, sports programs, teacher grants and more! When you support Glendale Educational Foundation, you support the future of Glendale and neighboring communities. Source Glendale Image Gallery History of Glendale: Glendale is rich in history! The City of Glendale was incorporated February 16, 1906, and was governed by a Board Trustees from 1906 to 1921. The City of Glendale became a Chartered City upon ratification of its Charter on March 29, 1921, and the Board of Trustees became known as the City Council. The City of Glendale created and adopted the Glendale Register of Historic Resources on September 30, 1997. Today the Register, which is overseen by the Planning Division, contains over 100 properties. Access the Planning Division’s list of properties (including images), as well as information on historic preservation, how to research the history of your home, or how to apply for inclusion on the Register. Source Glendale’s Neighborhood Check out Glendale’s Neighborhood Glendale is a well-established neighborhood in Southeast Madison. Glendale, Sennett, and LaFollette schools are located within the neighborhood boundaries. There are single-family homes in this residential neighborhood along with condominiums, town homes, and duplexes. Ruth street west to 100 block E. Dean Avenue on the north; Hwy 51/ Stoughton Road on the east; 205 Crestview Drive to Indian Trace and eastward including Edna Taylor Conservation Park on the south; Monona Drive, Admiral Drive, Bjelde Lane on the west. Source Linda & Roland Wilcox Loan Officers // Sierra Capital Mortgage Co Linda and Roland Wilcox provide clients throughout California with superior financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service. We offer a full portfolio of mortgage products including Conventional, Jumbo, VA, and FHA loans (including Reverse Mortgages). Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors. With over 50 years of combined experience and thousands of happy clients throughout California, we look forward to serving you! [email protected] (626) 449-8545 Google Yelp Zillow Facebook LinkedIn Recent Posts Mortgage Market News Fed Holds Steady; Mortgage Rates Fall Read Article Mortgage Market News Good News on Inflation, But Don’t Expect a Fed Rate Cut Read Article Mortgage Market News Jobs Report Chases Rates Back Into The Range Read Article Mortgage Market News Calmer, Friendlier Week For Rates Amid Mixed Signals For Housing Read Article Mortgage Market News Rates Back to 7%. What Will It Take For Them to Drop? Read Article Mortgage Market News Some Uncertainty at The End of an Otherwise Decent Week Read Article View All Posts Ready to get started? Apply now or request a call today! Apply Now Request A Call Disclaimer Sierra Capital Mortgage Company is a DBA of R & L Wilcox, Inc., a California Corporation licensed under the California Bureau of Real Estate, License # 01783694, NMLS Company ID # 327610. Linda Wilcox is licensed by the California Bureau of Real Estate, License # 01148651, NMLS Individual ID #245204. Roland Wilcox is licensed by the California Bureau of Real Estate, License # 01348817, NMLS Individual ID #245214. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Featured Pasadena Los Angeles Long Beach Santa Clarita Glendale Anaheim Santa Ana Irvine Torrance Burbank Loan Programs Conventional FHA VA HomePossible Jumbo HomeReady   Contact Sierra Capital Mortgage Co Corporate NMLS #327610 [email protected] (626) 449-8545 1055 E. Colorado Blvd., Ste. 500 Pasadena, CA 91106 © 2026 Sierra Capital Mortgage. Website Managed by LoanSites Close Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calcula Burbank Mortgage Broker | Sierra Capital Mortgage Skip to main content Hit enter to search or ESC to close Search Close Search Menu Purchase Apply Online Request A Call Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional FHA VA Jumbo Reverse Mortgages Additional Loan Programs Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Reviews Blog Refinance About Our Team Linda Wilcox Roland Wilcox Reviews Contact Reviews Request A Call Apply Now phone email Mortgage Loans in Burbank View Loan Programs Request Mortgage Proposal No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best mortgage possible for your unique scenario! Conventional Learn More! FHA Learn More! VA Learn More! Jumbo Learn More! Rehab Learn More! USDA Learn More! How the process works 1 Documentation There are a few critical documents we will need to verify to start your process. Learn More 2 Appraisal The appraisal insures the home you are buying is worth the price that is being offered. Learn More 3 Initial Underwriting The Underwriter will verify that all information is accurate and authentic. Learn More 4 Conditional Approval Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More 5 Clear To Close The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More 6 Closing Signing the final documentation and receiving the keys to your new home! Learn More Request Mortgage Proposal Documentation: Appraisal: Underwriting: Conditional Approval: Clear to Close: Closing: DOWNLOAD OUR HOMEBUYER’S MORTGAGE GUIDE DOWNLOAD NOW DOWNLOAD NOW DOWNLOAD NOW All About Burbank Burbank, California Burbank is a city in the southeastern end of the San Fernando Valley in Los Angeles County, California. Located just 12 miles northwest of Downtown Los Angeles, Burbank is well known for being home to Walt Disney Studios and Warner Bros Studios, as well as having the largest IKEA in the United States. Source Things To Do In Burbank: Come Spend A Day In Burbank! Looking f