Mortgage Loan Officer · Patriot Pacific Financial Corp · NMLS 2449246

Steven Shearrill, Your Loan Officer

Retired Navy Chief and mortgage loan originator with Patriot Pacific Financial Corp. I shop 70+ wholesale lenders to find the right loan for you, from conventional, FHA, VA, USDA and jumbo to bank statement, DSCR, renovation, HELOC and reverse mortgages, then guide you from pre-approval to keys.

Get Pre-Approved Book a Free Loan Consult

Licensed in CA · AZ · FL · IL · NV | Equal Housing Opportunity

The Short Answer

Looking for a mortgage loan officer in Temecula?

Steven Shearrill (NMLS 2449246) is a Temecula, California mortgage loan originator with Patriot Pacific Financial Corp and a retired U.S. Navy Chief with 20 years of service. He offers 20+ loan programs through Patriot Pacific, including conventional, FHA, VA, USDA, CalVet, jumbo, down payment assistance, refinance, HELOC, reverse mortgage, renovation, construction, bridge, bank statement, DSCR investor, ITIN and private money loans, for first-time buyers, move-up buyers, veterans, retirees and investors across Temecula, Riverside County and San Diego County. Because Patriot Pacific is a mortgage broker with access to 70+ wholesale lenders, Steven compares programs and pricing across lenders instead of offering a single bank's products. He is also a licensed California real estate broker (DRE 01988316), so one person can handle both your loan and your home search.

70+Wholesale lenders

20Years U.S. Navy

5States licensed

2-in-1Broker + lender

Why Work With Steven

A loan officer who has worn the uniform

I spent 20 years in the Navy, retiring as a Chief. I know PCS orders, BAH, dual-military households and the stress of buying a home on a timeline you do not control. That experience shapes how I run every loan.

As a mortgage broker loan officer, I am not limited to one bank's rate sheet. I compare 70+ wholesale lenders, match your scenario to the lender that fits it best, and keep you, your agent and your escrow team updated at every milestone.

Credentials: Certified Veteran Loan Specialist (CVLS), Military Relocation Professional (MRP), RENE, Military & Veterans Housing Certification, MBA, PMP and Lean Six Sigma Black Belt.

What you can expect

Clear options from 70+ lenders, side by side
Fast, fully reviewed pre-approvals
Every Patriot Pacific loan program under one roof
Plain-English updates at every loan milestone
Broker and lender in one: fewer handoffs, faster answers
Evening and weekend availability for service members

Mortgage Services

What I do for borrowers

Home Purchase Loans

First home, move-up home or PCS purchase. I structure the loan around your budget, your down payment and your timeline.

Pre-Approvals

A reviewed pre-approval that sellers and listing agents take seriously, so your offer stands out in Temecula and San Diego markets.

Refinancing

Rate-and-term, cash-out and VA streamline (IRRRL) refinances to lower your payment, shorten your term or tap equity.

VA Eligibility & COE

I pull your Certificate of Eligibility, explain your entitlement and check whether you qualify for a VA funding fee exemption.

Credit & Readiness Coaching

Not ready yet? I map out the credit, debt and savings steps that get you mortgage-ready, with no pressure.

Down Payment Assistance

I review state and local assistance programs that may help cover your down payment or closing costs.

Investor & Second Homes

Conventional and private money financing for rental properties, vacation homes and buy-and-hold investors.

Homebuyer Education

Free VA homebuying classes and webinars, plus on-demand VA loan education videos.

Realtor Partnerships

Agents: I keep your buyers and your deadlines on track with proactive milestone updates. Let's talk referral partnership.

Loan Programs

20+ loan programs, one loan officer

Program availability, rates and terms vary by lender and borrower qualifications. Here is how each option works and who it fits.

Purchase & Government Loans

Conventional Loans

Best for: strong credit, flexible property types

Loans that follow Fannie Mae and Freddie Mac guidelines for primary homes, second homes and investment properties. Mortgage insurance can be removed once you build enough equity.

As little as 3% down for qualified first-time buyers (HomeReady and Home Possible)
Fixed and adjustable-rate options
High-balance loans for Southern California price points

FHA Loans

Best for: first-time buyers, rebuilding credit

Insured by the Federal Housing Administration with flexible credit and debt-to-income guidelines.

Down payments as low as 3.5% with a 580+ credit score
Gift funds allowed for the down payment
FHA 203(k) renovation and FHA streamline refinance available

VA Home Loans

Best for: active duty, veterans, Guard & Reserve, eligible surviving spouses

Guaranteed by the U.S. Department of Veterans Affairs and one of the strongest mortgage benefits available. Read my full VA loan guide.

$0 down for eligible borrowers with full entitlement
No monthly mortgage insurance (PMI)
Funding fee waived for veterans receiving VA disability compensation
VA purchase, IRRRL, cash-out, jumbo and renovation

USDA Loans

Best for: buyers in eligible rural and suburban areas

Backed by the U.S. Department of Agriculture with 0% down financing for moderate-income households. Household income limits apply, and I can check whether a property qualifies.

0% down payment
Reduced mortgage insurance compared with FHA
USDA streamline refinance available

CalVet Home Loans

Best for: California veterans

A California Department of Veterans Affairs program with competitive rates, low or no down payment options and built-in disaster coverage. I compare CalVet against a federal VA loan so you can see the better fit.

Jumbo Loans

Best for: higher-priced homes in Temecula, Murrieta and San Diego County

Financing above the conforming loan limit for luxury and higher-priced homes, including conventional jumbo and VA jumbo options.

Fixed and adjustable-rate jumbo programs
VA jumbo with reduced or no down payment for eligible veterans
Options for self-employed and high-asset borrowers

Down Payment Assistance

Best for: buyers short on upfront cash

State and local grant, forgivable and deferred-payment programs that can cover part of your down payment or closing costs. Many pair with FHA, conventional and some VA loans.

Manufactured Home Loans

Best for: manufactured and mobile homes on owned land

Financing for manufactured homes on a permanent foundation through FHA, VA, USDA and conventional programs such as Fannie Mae MH Advantage.

Refinance & Home Equity

Refinance Loans

Best for: lowering your rate or payment, or tapping equity

Rate-and-term and cash-out refinances to lower your payment, shorten your term, remove mortgage insurance or consolidate debt.

VA IRRRL streamline refinance
FHA and USDA streamline refinances
VA, FHA and conventional cash-out refinances

HELOCs & Home Equity Loans

Best for: homeowners who want to keep a low first mortgage rate

Borrow against your equity without refinancing your first mortgage, for renovations, debt consolidation, tuition or investing.

Home equity lines of credit (HELOC)
Fixed-rate home equity loans and closed-end seconds

Reverse Mortgages

Best for: homeowners 62 and older

A Home Equity Conversion Mortgage (HECM) lets eligible homeowners turn home equity into tax-free cash, monthly income or a line of credit with no required monthly mortgage payment. HECM for Purchase is also available. Borrowers must keep paying taxes, insurance and upkeep.

Energy-Efficient Mortgages (EEM)

Best for: solar, windows, insulation and energy upgrades

FHA and VA energy-efficient mortgages let you finance qualifying energy improvements into your purchase or refinance loan, which can lower utility bills.

Renovation, Construction & Bridge

Renovation & Construction Loans

Best for: fixer-uppers, remodels and new builds

Finance the home and the improvements in one loan, or build from the ground up.

FHA 203(k) standard and limited
Fannie Mae HomeStyle and Freddie Mac CHOICERenovation
VA renovation loans
One-time close construction-to-permanent loans

Bridge Loans

Best for: buying your next home before you sell

Short-term financing that uses equity in your current home for your next down payment, so you can make a non-contingent offer and move once.

Non-QM, Investor & Specialty Loans

Bank Statement & Self-Employed Loans

Best for: business owners, contractors and gig workers

Qualify using real cash flow instead of tax returns.

12 or 24 months of personal or business bank statements
1099-only and profit-and-loss (P&L) statement loans
Options for recent self-employment

DSCR Investor Loans

Best for: real estate investors

Qualify based on the property's rental income (debt service coverage ratio) instead of your personal income. Works for long-term and short-term rentals, and closings in an LLC.

Asset-Based Loans

Best for: retirees and high-net-worth borrowers

Asset depletion and asset utilization loans let you qualify using savings, investment and retirement accounts instead of employment income.

Private Money Loans

Best for: investors, fix-and-flip, fast closings

Short-term, asset-based financing for scenarios traditional lenders will not touch: fix-and-flips, bridge financing, unique properties or tight closing deadlines.

ITIN Loans

Best for: borrowers without a Social Security number

Home loans for borrowers who file taxes with an Individual Taxpayer Identification Number (ITIN), with flexible documentation options.

Specialty Programs

Best for: unique scenarios

Ask me about additional wholesale programs for scenarios a bank may turn down.

Interest-only loans
Foreign national loans
Recent credit event loans after bankruptcy, foreclosure or short sale

Get Pre-Approved Compare My Options

How It Works

From first call to closing in five steps

Free consult

15 minutes to review goals, budget, timeline and VA eligibility.

Pre-approval

Apply online in minutes. I review credit, income and assets up front.

Shop lenders

I compare programs and pricing across 70+ wholesale lenders.

Lock & process

Rate lock, appraisal and underwriting, with updates at every milestone.

Close

Final approval, signing and keys. Then I watch your rate for refinance opportunities.

Mortgage FAQ

Questions borrowers ask me most

Do I need a down payment for a VA loan?

No, in most cases. Eligible veterans and service members with full VA entitlement can buy with $0 down. If you have reduced entitlement from a previous VA loan, a small down payment may be required on higher loan amounts. I calculate your exact entitlement for you.

What is the difference between a mortgage broker and a bank?

A bank can only offer its own loan products and rates. As a loan officer with Patriot Pacific Financial Corp, a mortgage broker, I can compare 70+ wholesale lenders and choose the one that best fits your credit, income and property, which often means more options and better pricing.

What credit score do I need to buy a home?

It depends on the program. FHA allows scores as low as 580 for 3.5% down, many conventional loans start around 620, and VA lenders commonly look for 580 to 620. If your score is lower, I will build a plan to get you there.

Can I use my VA loan more than once?

Yes. VA entitlement is reusable. It can be restored after you sell and pay off a VA loan, and in many cases you can hold two VA loans at once using remaining entitlement, which helps on a PCS move.

Is the VA funding fee waived for disabled veterans?

Yes. Veterans who receive VA compensation for a service-connected disability, along with certain other eligible borrowers such as Purple Heart recipients on active duty and eligible surviving spouses, are exempt from the VA funding fee.

Should I choose a CalVet loan or a VA loan?

Both are strong options for California veterans. CalVet is a state program with its own rates and built-in disaster coverage, while a federal VA loan offers $0 down with full entitlement and access to many lenders. I run both side by side so you can see the cost difference.

Which states is Steven Shearrill licensed in?

Steven Shearrill (NMLS 2449246) is licensed to originate mortgage loans in California, Arizona, Florida, Illinois and Nevada through Patriot Pacific Financial Corp. Verify at nmlsconsumeraccess.org.

How long does it take to close a home loan?

Most purchase loans close in about 21 to 30 days after a signed contract, depending on the appraisal, the lender and how quickly documents come in. A fully reviewed pre-approval up front helps keep closings on schedule.

Can I get a mortgage if I am self-employed?

Yes. Along with traditional full-documentation loans, I offer bank statement, 1099-only and profit-and-loss loans that qualify you on real cash flow instead of tax returns. Investors can also use DSCR loans that qualify on the property's rental income.

What loan programs does Steven Shearrill offer?

Conventional, FHA, VA, USDA, CalVet, jumbo, down payment assistance, manufactured home, refinance, HELOC and home equity, reverse mortgage, energy-efficient, renovation, construction, bridge, bank statement, DSCR, asset-based, private money, ITIN and specialty loans, sourced from 70+ wholesale lenders through Patriot Pacific Financial Corp.

Get Started

Let's find your best loan

Whether you are buying near Camp Pendleton, relocating to March ARB or refinancing in Temecula, a 15-minute call is the fastest way to see your options.

Apply / Get Pre-Approved Book a Call (619) 368-7141

Steven Shearrill · Mortgage Loan Originator, NMLS 2449246 · sshearrill@patriotpacific.com
Patriot Pacific Financial Corp · 24910 Las Brisas Rd, Suite 122, Murrieta, CA 92562

Steven Shearrill, Mortgage Loan Originator, NMLS 2449246 | CA DRE 01988316 | LPT Realty Broker Associate. Loan Officer with Patriot Pacific Financial Corp, NMLS 1921615 | CA DRE 02103516 | 24910 Las Brisas Road, Suite 122, Murrieta, CA 92562. NMLS Consumer Access | Company licensing.

Equal Housing Opportunity. Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility. Programs, rates, terms and conditions are subject to change without notice. Not all applicants will qualify. Patriot Pacific Financial Corp is not affiliated with or acting on behalf of the U.S. Department of Veterans Affairs, the Federal Housing Administration, the USDA or the California Department of Veterans Affairs.