My approach is simple: I listen first, then guide. Every client has different goals, timelines, and life circumstances — and I take the time to understand them. Whether you’re buying your first home, refinancing for better terms, or expanding your investment portfolio, I’m here to walk you through every step with full transparency.
Why I Do This:
I started in this business to make a real impact — helping people achieve one of life’s biggest milestones: homeownership. My goal isn’t just to close loans — it’s to build trust, deliver peace of mind, and help you make smart financial decisions that set you up for long-term success.
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.
Real stories from real clients — here’s how I’ve helped buyers and refinancers across California move forward with clarity and confidence.
“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!”
“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.”
“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.”
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