Family First Mortgage Team · Est. 2008

Meet the team behind MMS.

A team of 30 licensed advisors, processors, and support staff united by a single belief: a mortgage should feel less like paperwork and more like a partnership.

0+
Advisors & Staff
0 yrs
Serving California
$4.2B+
Funded To Date
0%
CA Licensed Experts
Steve Silveira
Verified
Founder · Leadership

Steve Silveira

Founder, Branch Manager

5.0 RatedNMLS #693709California
The Advisors

Find your perfect match.

Mich Lauraya
Administrative

Mich Lauraya

Administrative Assistant

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NMLS #
Ron Ordanza
Graphic

Ron Ordanza

Graphic Designer

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NMLS #
Veera Naami
Processor

Veera Naami

Loan Processor 2

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NMLS #
Our Principles

How we work with you.

Four commitments every advisor on our team makes — on every loan, without exception.

01
01

Transparent rates

No teaser pricing. You see every fee, point, and lender credit before you sign anything.

Zero surprises
02

Real responsiveness

02

Calls returned same day. Pre-approvals issued in under 12 minutes during business hours.

Same-day replies
03

Personalized guidance

03

19+ loan programs across 300+ lenders, matched to your life — not the other way around.

Tailored to you
04

Close on time

04

98% on-time close rate. Our in-house processors keep your file moving every single day.

98% on-time
Now Accepting Clients

Work with our team.

Whether you're buying your first home, refinancing, or scaling an investment portfolio — we'll match you with the right advisor and the right loan.

Schedule a ConsultationTalk to an Expert · (209) 202-4236

Pre-approval in 12 minutes · No obligation

Modern Mortgage Solutions

Modern Mortgage Solutions proudly services clients across:

AlabamaArizonaArkansasCaliforniaGeorgiaIdahoNorth CarolinaOhioOregonTennesseeTexasWashington
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4.9 · 240+ reviews

Ready when you are

Schedule a free consultation.

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Licensed in 12 states

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