Helping first-time buyers, growing families, and smart investors find the right loan with confidence, clarity, and care.
Helping first-time buyers, growing families, and smart investors find the right loan with confidence, clarity, and care.
With over 12 years of experience, Warren has helped hundreds of families secure their dream homes. He combines deep industry knowledge with a client-first approach — making your mortgage process clear, stress-free, and built around your needs.
Happy Clients Served
We help match you with the right loan — built around your financial goals.
From rate reduction to debt consolidation, we
simplify refinancing.
We break down the process so you feel confident at every step.
Happy Clients Served
Whether you’re buying your first home, refinancing, or investing — I offer clear, personalized support at every step of your mortgage journey.
Get expert help securing a competitive loan that fits your budget and long-term goals.
Lower your monthly payments or unlock home equity with refinancing options built around you.
Finance your next real estate investment with tailored advice and access to smart funding options.
You’re not just another loan file here. I take the time to understand your goals, explain every step clearly, and help you get the best mortgage for your life — not just your numbers.
With over 12 years in mortgage lending, I’ve helped 700+ clients close with confidence — from first homes to investment properties.
Understanding your neighborhood means better loan options and smarter advice tailored to your area.
No pressure, no confusion — just honest guidance focused on your goals and financial future.
Whether you’re buying your first home, refinancing, or investing in property — the mortgage process can feel overwhelming. My job is to make it simple. I take care of the details, explain everything clearly, and guide you from day one to closing day with zero confusion and full confidence.
Tell me about your goals, timeline, and budget. I’ll help you understand where to start and what options make sense.
Based on your needs, I’ll recommend the right mortgage program — with full clarity on rates, terms, and next steps.
Once you’re ready, I’ll guide you through the paperwork, coordinate with your lender, and make sure closing is smooth.
You’re not just another loan file here. I take the time to understand your goals, explain every step clearly, and help you get the best mortgage for your life — not just your numbers.
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Families Helped Find Home
“Warren made everything so simple. As a first-time homebuyer, I had no idea where to start but he guided me step by-step and helped me lock in a great rate.”
“I’ve worked with other lenders before, but Warren was by far the most responsive and transparent. I knew what was happening at every stage.”
“I refinanced my home through
Warren and saved over
$400/month. Wish I’d met him
sooner!”
Got questions about home loans, down payments, or timelines? You’re not alone. Here are answers to the most common things clients ask before working with me.
You’ll typically need your ID, recent pay stubs, tax returns, and bank statements. I’ll walk you through each one, step by step.
It depends on the loan type. FHA loans may require as little as 3.5%, while conventional loans can range from 5% to 20%. I’ll help you find the best fit for your situation.
Pre-approval can happen in 1–2 days. The full mortgage process usually takes 2–4 weeks, depending on your loan type and paperwork.
Pre-qualification is an estimate based on basic info. Pre-approval is a deeper process with documents — it shows sellers you’re a serious buyer.
Absolutely. You’ll just need a few extra documents like tax returns or profit-and-loss statements. I’ve helped many self-employed clients get approved.
Have questions about your loan, pre-approval, or refinancing options? Send me a message — I’ll personally get back to you within 24 hours.
I’m here to help you buy, refinance, or plan your next move — without the stress.
Have questions or ready to start?
Just drop your email and I’ll get back to you.
1901 Thornridge Cir. Shiloh,
Hawaii 81063
warren.topham@email.com
(415) 555-2749