Stephen Schloemer

Mortgage Loan Originator NMLS #847859

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Stephen Schloemer

About Stephen Schloemer

Hello, I'm Stephen Schloemer, and I'm not your average mortgage professional. With over 12 years of dedicated experience in the mortgage industry, I bring a wealth of knowledge and a passion for helping people achieve their homeownership dreams. My approach to mortgage lending is simple yet profound: I work for you, not the other way around. What Sets Me Apart In a world of cookie-cutter solutions, I pride myself on delivering personalized mortgage experiences. I understand that every individual or family has unique financial goals and circumstances. I take the time to listen, analyze, and tailor mortgage solutions that align perfectly with your needs. My commitment to you goes beyond the transaction; it's about building lasting relationships. I am genuinely passionate about what I do, and that enthusiasm shines through in every interaction. I believe that home buying or refinancing should be an exciting journey, not a stressful one, and I'm here to make that happen. Professional Highlights 12 years of industry expertise: My extensive experience means I've seen it all and know how to navigate the complexities of the mortgage landscape. In-depth industry knowledge: I stay updated with the latest industry trends, regulations, and market dynamics to provide you with the most informed guidance. Client-focused approach: My clients aren't just numbers; they're individuals and families with unique aspirations. I'm here to guide and support you every step of the way. Vast network: Over the years, I've cultivated strong relationships with lenders, real estate professionals, and other key players in the industry. This network allows me to offer you a wide range of options and resources. Results-driven: My track record speaks for itself. I'm proud to say that I'm among the best at what I do, consistently delivering optimal mortgage solutions. Whether you're a first-time homebuyer, looking to upgrade, or considering refinancing options, I'm here to assist you in achieving your financial goals. Remember, I work for you, and your satisfaction is my top priority. Let's embark on this exciting journey together, turning your homeownership dreams into reality. Feel free to reach out to me at 949-861-5324. I look forward to helping you make informed mortgage decisions and welcoming you to the ever-growing list of satisfied clients I've had the pleasure of serving. Welcome to a brighter future in homeownership!



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Becoming a homeowner starts with finding the best loan for your unique situation, and we're here to help you make that choice.

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Analyze your refinance option

Let us help crunch the numbers for you. Find out exactly how much you can save by refinancing and whether it's the right time for you.

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Compare Today's Mortgage Rates

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Quick Digital Process

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Rapid Decisions1

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Flexible Access2

Draw funds when you need them. Pay back on your schedule and access funds again as your balance decreases.

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We compete for your business by offering a wide variety of products with lower interest rates and closing costs, speedier service and a personal touch.

  • Our innovative technology streamlines the mortgage process.
  • Multiple investor options means we will find the best solution for you.
  • Exceptional customer service makes for a hassle-free experience for our customers.
  • Interest rates offered are among the lowest in the industry.
  • Zero closing cost options are available with most scenarios.
  • Communication is key- we pledge to keep you informed every step of the way.

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Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
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Company Info
  1. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000.
  2. The Fixed Rate Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
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WCL is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

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