San Luis Obispo County's Independent Mortgage Broker
Better rates than banks. Local expertise. No cost to you.
We shop 40+ lenders to find your lowest rate — then handle everything from pre-approval to closing.
40+
Wholesale Lenders
5 Stars
Client Rating
NMLS #1678642
License
SLO County, CA
Market
Why Choose Assist Home Loans
Lower Rates Than Your Bank
As an independent broker, we have access to wholesale mortgage rates from 40+ lenders — the same rates big banks reserve for their best customers. You get the benefit without the branch.
We Know SLO County
We live here. We work here. From Paso Robles wine country to the Pismo Beach coastline, we understand what drives this market and what it takes to get your deal done.
From Pre-Approval to Closing
We handle every step — paperwork, lender communication, timeline management — so you can focus on finding your home. No dropped balls. No surprises at the closing table.
Home Loan Options for Every Situation
Whether you're buying, refinancing, or exploring special programs — we have the right loan for your needs.
How It Works
Apply in Minutes — No Credit Check
Tell us about your goals. Our quick application takes about 10 minutes and doesn't touch your credit score.
We Shop 40+ Lenders for Your Best Rate
We compare rates and terms across our full lender network and bring you the strongest options — explained clearly, without the jargon.
Close with Confidence
We manage the entire process from application through closing. You'll always know where things stand.
40+ Wholesale Lenders. One Broker.
We shop your loan across our entire network to find the best rate and terms for your specific situation.
Rocket Pro
PennyMac TPO
The Loan Store
Newrez Wholesale
Plaza Home Mortgage
Kind Lending
PRMG
Windsor Mortgage Solutions
ResiCentral
Newfi Wholesale
First ColonyRocket ProPennyMac TPOThe Loan StoreNewrez WholesalePlaza Home MortgageKind LendingPRMGWindsor Mortgage SolutionsResiCentralNewfi WholesaleFirst Colony
Justin Stearns
Owner & Mortgage Broker · NMLS #1678642
A Mortgage Broker Who Works for You — Not a Bank
I'm Justin, and I started Assist Home Loans because I believe every borrower in San Luis Obispo County deserves access to the best rates and the most transparent process in the industry.
As an independent mortgage broker, I'm not tied to any single lender. That means I can shop your loan across 40+ wholesale lenders to find the combination of rate, terms, and fees that saves you the most money. It's like having a personal shopper for your mortgage.
- Access to 40+ wholesale lenders
- Local SLO County market expertise
- Personalized rate shopping on every loan
- Transparent process, no hidden fees
Serving All of San Luis Obispo County
From the coast to wine country to the foothills — if you're buying or refinancing in SLO County, we're your broker.
Don't take our word for it.
What SLO County Buyers Say
Frequently Asked Questions
No Cost. No Obligation. No Credit Check.
Ready to Find Your Best Rate?
No cost. No obligation. No credit check. Just answers.