Mitch Stelling
Your Bay Area Mortgage Advisor
831-431-0726
[email protected]
CA DRE# 02212314 NMLS# 2318256
Meet Mitch
Meet Mitch Stelling, a Santa Cruz–Bay Area native who brings extensive local market knowledge to help clients buy, sell, or refinance with confidence. With access to 50+ lenders nationwide, Mitch offers a unique perspective and is committed to helping clients reach their homeownership and financial goals. He provides personalized guidance and education throughout the mortgage process while securing some of the most competitive rates available.Mitch’s commitment doesn’t end at closing. He remains a long-term resource, helping clients optimize future refinancing opportunities and maximize their financial potential. With a strong focus on service, communication, and transparency, Mitch delivers a smooth, stress-free mortgage experience built on lasting relationships and long-term success.
Our Lending Options:
Traditional Loans- FICO as low as 600 and as little as 3% down!
Jumbo Loan- Up to $5M loan amounts.
Bank Statement Loan- No tax returns required!
FHA Loan- 3.5% down up to $1,150,000 loan amount.
VA Loans- 0% Down with no PMI up to $2M in Price.
Reverse Mortgage- Easy Qualifying and No Mortgages Payments.
Bridge Loans- For commercial or investment properties. Close fast & compete with cash offers!
Buy Before You Sell- Make non-contingent offers that function like all cash offers and are more likely to win in today‘s market.
Asset Depletion Loan- Qualify using assets rather than income.
DSCR Loan- For investment properties. Qualify based on rental income alone.
Why Use Mitch?
Top-Ranked Local Lending Partner
25+ years of combined financing experience
Access to 50+ lenders for better rates and lower fees
Clear, fast, and proactive communication
Creative solutions backed by a strong support team
Buy-before-you-sell options available
What His Clients Say:
"I worked with Mitchell Stelling on our loan. Mitch was great to work with; he came equipped with knowledge and gave us great resources. The Real Estate Market was not in our favor, however, Mitch rallied alongside us and was able to find us options. He was quick to answer our questions, always available when needed. I cannot thank Mitch enough, he worked tirelessly for us, and we ended up in our dream home - hard to do in this market! Thank you, Mitch!"Erica & Shea
Scotts Valley, CA
