Business Details
Your Trusted Mortgage Brokers in West Covina, CA
Super Mortgage Bros is a family-oriented mortgage brokerage firm dedicated to providing exceptional client experiences through personalized service and professional expertise. With over 25 years of combined experience in the mortgage industry, our team has successfully assisted more than 1,500 families with home financing and refinancing solutions. We operate under Golden Empire Mortgage, a California-licensed lender, and maintain a client-first philosophy where mission always precedes commission.Our unique team structure ensures continuous availability, with dual loan officers supporting every client to guarantee uninterrupted service. We specialize in mortgage loans, FHA programs, and down payment assistance while maintaining rigorous compliance with financial regulations and data protection standards. Our commitment to transparency, responsiveness, and solution-oriented thinking has earned us a 5.0-star rating from 117 verified reviews.
Services
Mortgage Loans
Refinancing
FHA Loans
Down Payment Assistance
Loan Processing
Highlights and features
- We offer 25+ years of combined mortgage industry experience
- Our team provides 24/7 client availability through dual loan officer support
- We implement a patented process for mortgage approval optimization
- Our company maintains a 5.0-star rating from 117 verified reviews
- We guarantee transparent communication with no hidden fees
Associations and certifications
- California Department of Financial Protection and Innovation
- NMLS (National Mortgage Licensing System)
What people say
Smooth and stress-free process
Exceeded expectations
Exceptional service
Highly recommend
Knowledgeable and helpful
Services
Mortgage Loans
We specialize in residential mortgage financing with personalized rate comparisons and loan term analysis. Our team guides clients through pre-approval, documentation, and closing processes while maintaining compliance with California Residential Mortgage Lending Act regulations. With access to multiple lending partners, we secure competitive rates for first-time homebuyers and experienced investors.
Refinancing
Our refinancing experts analyze current mortgage terms to identify savings opportunities through rate reduction, term adjustment, or equity extraction. We handle conventional, FHA, and VA loan refinancing with transparent cost-benefit assessments, ensuring clients understand break-even points and long-term financial impacts.
FHA Loans
We facilitate FHA-insured mortgage programs with low down payment requirements and flexible credit standards. Our specialists explain FHA loan specifics including mortgage insurance premiums, eligibility criteria, and property requirements while streamlining the application process for first-time buyers.
Down Payment Assistance
We connect clients with local and state-sponsored down payment programs through our network of approved lenders. Our counselors explain eligibility requirements, application procedures, and repayment terms for grants and deferred payment loans that reduce upfront homebuying costs.
Loan Processing
Our dedicated processors maintain communication between borrowers, underwriters, and closing teams throughout the loan lifecycle. We ensure timely document collection, condition fulfillment, and status updates while addressing potential issues proactively to prevent closing delays.
People
Armando Novelo
Loan Officer
Certified mortgage professional with 15+ years experience specializing in first-time homebuyer programs and complex loan scenarios. Maintains active NMLS certification and prioritizes client education throughout the mortgage process.
Jerry Novelo
Loan Officer
Experienced loan officer with expertise in conventional mortgage products and refinancing strategies. Collaborates with brother Armando to provide 24/7 client support and seamless service continuity.
Valarie Novelo
Branch Manager
Branch manager overseeing daily operations and client experience standards. Coordinates team workflow to ensure timely responses and maintains compliance with state licensing requirements.
April Oliva
Loan Officer
Licensed mortgage specialist focusing on FHA and USDA loan programs. Provides multilingual support and community outreach to underserved homebuyer demographics.
Nancy
Loan Processor
Senior loan processor with 10 years of experience managing documentation workflows and underwriting conditions. Ensures accurate file preparation and timely communication between all transaction parties.
Questions
What mortgage loan options do you offer?
We offer conventional, FHA, VA, USDA loans, and down payment assistance programs. Our team explains each option's requirements and helps clients choose the best fit for their financial situation.
How long does the mortgage process take?
Typical loan processing takes 30-45 days. We maintain regular communication with all parties to address issues promptly and keep transactions on schedule.
What credit score is needed for approval?
Minimum scores vary by loan type: FHA requires 580+, conventional needs 620+. We provide credit improvement guidance for applicants needing score enhancement.
Can you help with refinancing existing mortgages?
Yes, we analyze current loans to identify savings through rate reduction, term adjustment, or cash-out refinancing while explaining associated costs and break-even timelines.
Do you offer down payment assistance programs?
We connect clients with state and local grants that reduce upfront costs. Our specialists explain eligibility requirements and application processes for approved assistance programs.
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