Business Details
38 Years
experience
Your Trusted Mortgage Partner in Roseville, CA
Founded in 1988 by Dan Trinidad, Partners Mortgage has built a legacy of prioritizing people over profits. With over 36 years of experience and 50,000+ loans processed, we specialize in mortgage solutions tailored to individual needs. Our team of seasoned professionals delivers personalized service for home purchases, refinancing, and specialized loan programs. We maintain transparency in every transaction, ensuring clients understand their options without hidden fees or complexities. Our commitment extends beyond financial transactionswe actively strengthen communities through initiatives like Partners For A Cure. Backed by NMLS certification #236669, we combine regulatory compliance with human-centered service.Whether you're a first-time buyer or seasoned investor, our expertise in conventional, FHA, VA, and reverse mortgages provides comprehensive solutions. We measure success through client satisfaction, evidenced by testimonials highlighting our responsiveness and closing efficiency. Our Roseville, CA headquarters serves as a hub for statewide mortgage services, supported by a network of licensed professionals. By focusing on relationships over volume, we ensure every client receives the attention and expertise that have defined our practice since 1988.
Services
Mortgage Loans
Home Refinancing
Conventional Loans
FHA Loans
VA Loans
Reverse Mortgages
Purchase Programs
Loan Pre-Approval
First-Time Buyer Assistance
Debt Consolidation
Details
- Year established: 1988
Highlights and features
- 36 years of mortgage industry expertise since 1988
- Processed over 50,000 successful mortgage loans
- Personalized service with 100% process transparency
- Specialized programs for first-time homebuyers
- Community-focused initiatives like Partners For A Cure
Associations and certifications
- CalHFA
- NMLS #236669
What people say
Exceptional Customer Service
Amazing team
Smooth process
Competitive rates
21-day closure
Services
Conventional Loans
Our conventional loan program offers flexible terms for homebuyers with strong credit profiles. With competitive interest rates and customizable down payment options, these mortgages provide stability for primary residences, investment properties, and second homes. Our underwriters work directly with borrowers to structure payments that align with long-term financial goals while maintaining Fannie Mae and Freddie Mac compliance standards.
FHA Loans
Designed for first-time buyers and those with limited down payment capacity, our FHA loan program features low entry barriers while maintaining financial security. We guide clients through the 3.5% minimum down payment requirement and mortgage insurance premium structure, ensuring accessibility for borrowers building credit history or entering the housing market for the first time.
VA Loans
Exclusively for eligible military personnel and veterans, our VA loan program eliminates down payment requirements while offering favorable interest rates. Our specialized team processes these loans through the Department of Veterans Affairs system, ensuring compliance with service member benefits and providing dedicated support for active-duty relocations and permanent housing needs.
Home Refinancing
Our refinancing solutions help homeowners reduce monthly payments, shorten loan terms, or access equity through cash-out options. We analyze current market conditions against individual financial situations, offering break-even analysis and customized strategies to optimize home equity while maintaining regulatory compliance for conventional, FHA, and VA loan conversions.
Reverse Mortgages
Tailored for homeowners aged 62+, our reverse mortgage program converts home equity into tax-free income while maintaining property ownership. We provide detailed counseling on payment structures, eligibility requirements, and long-term implications, ensuring clients understand this financial tool's impact on estate planning and government benefit eligibility.
People
Dan Trinidad
Founder
Dan Trinidad established Partners Mortgage in 1988 with a mission to prioritize people over profits. His leadership has grown the company to process over 50,000 loans while maintaining community-focused values through initiatives like Partners For A Cure.
Leif Boyd
President
As President, Leif Boyd oversees daily operations and strategic growth initiatives. With extensive mortgage industry experience, he ensures the company maintains its commitment to exceptional customer service while adapting to evolving market conditions.
Peter Schwartz
EVP of National Business Development
Peter Schwartz leads national business expansion efforts, developing partnerships with real estate professionals and financial advisors. His 20+ years in mortgage banking inform strategic growth while maintaining the company's core values.
Rachael Gaines
Affiliate Engagement Manager
Rachael Gaines manages referral partner relationships, ensuring seamless collaboration between real estate agents and mortgage advisors. Her team coordinates over 1,000 transactions annually, maintaining the company's 98% client satisfaction rate.
Katie Pastor Trinidad
Mortgage Advisor
As a licensed mortgage advisor, Katie Pastor Trinidad specializes in first-time homebuyer programs. With NMLS #885654 certification, she has guided over 2,000 clients through the mortgage process, focusing on education and financial empowerment.
Questions
What mortgage options do you offer?
We provide conventional, FHA, VA, and reverse mortgage options with competitive rates. Our advisors help determine the best fit based on your financial situation and homeownership goals.
How quickly can you process a mortgage?
Our average closing time is 21-30 days, with expedited options available. We maintain this efficiency through dedicated processing teams and digital documentation systems.
Do you work with first-time homebuyers?
Yes, we specialize in first-time buyer programs including low down payment options and state-specific assistance programs like CalHFA.
Can I refinance with bad credit?
We evaluate each situation individually. While credit score impacts terms, we offer solutions for credit rebuilding scenarios and can help improve your financial position over time.
What areas do you serve?
Primarily California, with licensed advisors available for remote transactions across the United States through our NMLS-certified platform.
How do you maintain competitive rates?
Our volume purchasing power and direct lender relationships allow us to offer rates that consistently rank in the top 10% statewide according to recent industry comparisons.
