About Sean Hart

Sean Hart is a 20 year veteran in home financing. Delivering a convenient Award Winning client experience. Loan types include conventional, remodel, jumbo, super jumbo and VA-FHA low down or no down payment. Creative lending programs and solutions are no problem.  Call Sean when you are looking to purchase, refinance, need cash out, or for inheritance / divorce financing. Regardless if your income is fixed, K1, 1099, alimony, pension, retirement, trust or income others don’t understand. Sean specializes in structuring home loans where the big banks, call center lenders fall short on experience, trust and results.

For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

Ralf Hempfling - R&D Engineer
“I have closed three loans with Sean. He has come through where everybody failed.”
Jeff Osborn - California Construction / Owner
“Where do I begin. Sean made the impossible possible. From the start of the loan process till the end, he was fully committed to getting us into our home. I appreciate him and his staff for making our dreams come true. Thank you Sean for your dedication and care in getting our loan approved. I will gladly recommend Sean and his team to all my friends. Thank you again for all that you do. Jeff Osborn”
Thomas White & Allana Stepp
“We have had really GREAT experiences with Sean, not just once, but TWICE! First time was a refinance on my son’s home, and Sean explained the steps and the paperwork, and made everything flow quickly and without a hitch!! Second time was when we decided to move into town, from our rural home in Ventura Country, and buy a “new” home! Sean helped every step of the way, communicating constantly with us and with our Real Estate agent. Sean was essential in helping us get ready for each step in the home buying process, answering our financial questions, meeting escrow deadlines, and making the right choices!! Sean helped us select the loan interest rate, the down payment amount, and the offer amount that we successfully made. We fully recommend Sean to all homebuyers!
”
Jenna Merrill - Fire Engineer
“Sean and his team did a great job. They got us the best rate possible and even came to us to sign the docs because of our busy schedules. Sean made sure we were happy and explained every step of the way. He and his team were very professional, efficient, and were quick to finish our loan process. I have already have recommended them... Thanks Sean!!”
Caylie J - Strategic Business Planner
“Sean at Homebridge was fantastic. We are first time home buyers and from the approval to the very end it was seamless. He always answered our calls and questions in a very timely manner. Super easy to get a response via phone or email. We did not even look at any other lenders because Sean and his team just made things SO easy, much better then going through a larger bank. Would definitely recommend Sean to family and friends. ”
Chris Page - CEO / Co-Founder
“Working with Sean & his team was a great experience. With the stress of finding a home and dealing with so much paperwork, he made it as stress-free as possible. His team responded quickly to any questions we had and made sure the loan process stayed on track so we could close on time. I highly recommend him!”
Judy Thielen - Retired
“Sean Hart walked me through the escrow process leaving me feel confident and at ease signing all lending documents. As a person who has never purchased a home before by myself, it was important to me to find the right mortgage loan professional to assist me in my endeavor. Sean was available 24/7 for any questions that arose and kept the whole process moving along at a quick pace. Sean came highly recommended from within the local business community, and I can honestly recommend Sean Hart for all your lending and home finance needs.”
Jennifer Hooks
“Working with Sean was a breath of fresh air. We had been through quite a few refis and this by far was the smoothest and least stressful. My only regret is that I didn’t find Sean sooner! I can’t recommend his services enough!! Thank you Sean!”
Jose and Siomara
“This guy is amazing! It was a pleasure meeting and working with Sean, as first time buyers we were nervous and clueless about the loan proces. We had a million questions but Sean took the time to walk us thru the loan process making us feel at ease and answering all our questions and concerns. We will recommend Sean to all our family and friends. ”
rommel and vilma roque - healthcare
“sean and his team are fabulous, have done great length to get our dream home, made us feel ease and secure day 1 til the end and made sure that the program is the right fit for us, surely i'll recommend him to who ever is asking for mortgage professional. Thank you Sean!!! ”
Ida Kantoft - Senior Project Manager
“Sean (and his team) was a delight to work with! As a first time buyer the process was somewhat intimidating, but Sean was very good at communicating with me in layman's terms and kept me updated on everything throughout the whole process, which made it a lot less stressful. I would recommend Sean's services, and I will definitely be a return customer. ”
Kevin & Samantha Crane - Broadcast Engineer
“Sean was awesome! He was always available and willing to talk. Sean wanted us to understand our loan more than just what the number said. Personal service is largely forgotten today but not by Sean. We highly recommend Sean Hart and Homebridge. ”
Lindsay Mills - Marketing Manager
“I would definitely recommend Sean and team for home financing! They helped me re-finance my house quickly and efficiently (and even got me some money back!)... Thank you! ”
Lauren and Jabari Jones - Recently New Homeowners
“We really can't say enough great things about Sean. One thing we realize looking back on the whole home buying process is that you will want someone "straight up" and who knows what they are talking about guiding you along. Sean was professional from our very first meeting until after we closed on our home, never skipped a beat. It can be a very emotional, scary, nerve wracking, and exciting time, so you need a steady hand in there to keep you focused. Sean was that for us and so much more. He was always available to answer any question or concern we had. He walked us through the whole process seamlessly with no surprises. We can't thank him enough! ”
Dale Hallock & Lori Martin
““Personal Service” That about sums it all up. I was recommended to Mr. Hart by a personal friend. My wife and I, had a few credit issues that would need some personal service to work through, added to that, we were looking for a loan in another state. By the end of the process, Sean and his team did exactly that, we got a lone, and a dream home. Sean was always available, and approachable to work through issues as they arose. I would highly recommend Sean and his Team, to anyone looking for personal service, and a good home loan. ⭐️⭐️⭐️⭐️⭐️”
Ron Kliewer - Self Employed Building Scientist
“Sean always kept me informed of every detail, and updated me throughout the loan process. It was a pleasure to work with him. I recommend Sean every chance I get.”
Peggy Londre - New 2nd Home Buyer
“I really appreciated Sean for his patience in explaining the whole process from start to finish, as it has been many years since we purchased our last home. He was available via text, phone and email, has a good working relationship with the related professionals and kept the process moving forward so that we were able to get our 30-day escrow completed on time, without a hitch. I would wholeheartedly recommend Sean Hart and Home Street Bank. ”
Nick Jones - Buyer
“I can’t recommend Sean enough! He has done loans for many of our friends and now that I have used him for my own loan, I will never use anyone else. Sean always answers his phone and is prompt with his responses. He helped us close early and always stayed on top of things. Thank you Sean for a smooth, seamless transaction. ”
David Wagner - President / CEO
“I want to acknowledge the professionalism, creativity, and dedication Sean provided in securing financing for our home purchase. Our credit history presented a challenge other lenders were unable to address. Sean researched and identified a financing package that was more than competitive. He overcame every obstacle and delivered a very cost effective solution that absolutely delighted us. I have worked with several mortgage brokers in the past obtaining financing for other real estate purchases. During those experiences, I encountered many who would promise but never delivered. Sean definitely stands out as an outstanding professional. I have no reservations in recommending him and encourage you to discuss your needs with him. I’m sure you’ll be as pleased as we are.”
Anthony McBride - Application/Software Engineer
“There are honestly no words to describe the effort and work Sean provided during our loan process. My wife and I had requested a very short escrow (21 days) and had just moved from out of state. Needless to say we were very unorganized, but when you find your dream house, you have to do what it takes to get the loan process started/completed. Sean worked with us literally day and night, he stayed on top of what was required from us and was very thorough during the entire process. Sure enough, as promised, we closed in exactly 21 days and are currently getting settled into our forever home! Not a single question went unanswered. Sean made this daunting process so easy. I would recommend his services to anyone looking to buy or refi and even just needing general questions answered about the process. Sean was amazing to work with and I honestly can’t say enough positive things about his work efforts!”
Sheue Pella - Director of Education
“I can't say enough about how Sean came through for me and my husband on our new home loan. It was one of those, "If you want your dream house, we need your loan approval, like, yesterday." Needless to say, that is a lot of pressure, especially as I was a first-time buyer. After hearing the nightmares that my friends have gone through in getting their home loans - the endless calls to their bank, chasing down anyone to call them back, the sleepless nights wondering if they'll make their closing deadlines - I can't tell you how lucky we were to have been referred to Sean. Never once during our escrow process did I worry that Sean and his team wouldn't come through for us. He guided us through every step, took the time to explain things to us over email and on the phone, and gave us his cell phone number so that we could reach him, day or night, weekends included. There was so much being handled for us - we could see it in all the paperwork - it honestly felt like we were his only clients, thus his highest priority. I am so glad we didn't go to a mainstream bank, and that we followed our real estate agent's advice to do business with a lender that specializes in home mortgages. We got the best rates, and the best service. Thank you, Sean, for getting us into our dream home! ”
Jennifer OBrien - Recently retired Law Enforcement
“I cannot thank Sean Hart and his team (Marcos, Erik, et al.) who helped out on my project. I handed them a bit of a quagmire and they figured it out, got me a great loan, got it funded on time, and all with lots of humor and fun. Sean took all my calls immediately, or always responded quickly to emails, texts, or messages, and was ever the cheerleader and upbeat partner in crime when things started to get difficult. He is a genuine sweetheart who clearly loves what he does and loves helping his customers. You are not just a loan to him, but he does great loans! I, and my family, love Sean and recommend him absolutely! ”
Tom McCann - Wealth Advisor
“I’ve known Sean for several years, and he has been a tremendous advocate for helping our private wealth clients secure financing for refinances and new purchases. Recently, Sean helped my wife and I purchase a new home, and he was great from start to finish. He kept us abreast to where things stood at all times during the buying process, and kept in constant communication. In my opinion, you don’t find this white-glove level of service with of other big banks. We highly recommend Sean to anyone. ”
Dale Ellwein - Chiropractor
“Sean did a great job. He helped me with the purchase of my first home, and even though I am self-employed, he found a way to help me and my family get into our dream home!”
Heather Kenney - Sr Manager and working mom
“Sean was amazing to work with; starting with the application process and all the way through close of escrow, he was always available via phone, text or email to answer any questions my husband and I had. There was never a moment we were unclear on the mortgage we were getting or how the process was progressing, and his patience in what can be a stressful time or process for the homeowner was more than we could ask for. Definitely recommend Sean to anyone!”
Steven & Nga Tang
“Sean and his team worked miracles for our loan! The sellers of our new home found themselves in a situation where they had to close escrow in 15 days. I contacted Sean and they started working on our file immediately. Sean communicated with me almost daily to give us daily updates and we were able to close escrow in 15 days. I would highly recommend Sean Hart to anyone looking for home financing!”
Trenton Wagner - General Manager
“I was absolutely thrilled with the work ethic and job accomplished by Sean. He was extremely helpful, was able to easily navigate any issue we had and did it all with a professional yet positive attitude. I would highly recommend his services, he is truly top notch! Thanks again for all your hard work Sean! We couldn’t have done it without you!”
Cathleen Andrizzi
“I highly recommend Sean Hart as your home loan lender. Sean was always available any time of day, to answer questions, process paperwork and help guide us through the process every step of the way! Thank you Sean for a great home buying experience!”
Daniel and Joy Woelfel
“Where do we start? Our situation was a difficult one. Due to a terrible illness we had to uproot out of our home and look for a new one. I kept the old house but found out that we couldn't get money out of it due to the stricter guidelines. We had to pull money from ever little corner of our lives to get a down payment and to qualify for a loan for the new house. To say that it was complicated would be an understatement. Sean did an amazing job of guiding us through every step of the way. It was a literal 9 to 5 job everyday for Sean to make it happen, he worked tirelessly for us and even closed the loan early for the sellers to move out quicker. No other lender or broker would touch our situation. He made the impossible, possible. Complicated or not, I would go back every time. ”
Andy Gosser - client/new friend
“Sean went out of his way to not only help us purchase our dream home but he was always available and he made it easy to contact him with questions that came up quite often during the process. Sean is a great guy and we trusted him with walking us thru the finances and what we needed to do . He even came to our house a couple times to explain and check to see everything was going well on our end. I have spoken with a few of my friends who purchased homes recently and their experiences were nowhere near as positive as ours, that was because of Sean. Sean even impressed our real estate agent so much that she is going to change who she recommends to her clients in favor of Sean and the creative finance options Sean came up with. I can not even think what a pain it would have been without him. I strongly recommend Sean and Homebridge to anyone who wants a honest guy who will help you thru the process and will always be available for you. Thanks Sean - Andy Gosser”
Jackie Harding - Partner/Attorney
“Sean Hart did an excellent job for me! I attempted to get a re-finance with another bank, which was taking much too long. I contacted Sean, and in less than 30 days I was approved for a loan. Absolutely amazing!!! I will be returning to him if I purchase or re-finance property in the future. Thank you.”
Rachel Jacobsen - Buyer
“Sean represented us on the purchase of our first home loan. He was very thorough, informative and patient - as I tend to be someone who has a lot of questions and needs total clarity to feel comfortable. Our loan went very smoothly, we had loan approval on time and closed on time. I would, and have, recommended Sean to anyone looking get a purchase loan. ”
Diane Michelle Goldstein - Bookkeeper
“This is my first time trying to buy a house. I was introduced to Sean Hart to help me make my dream become a reality. Sean called me and he was so nice. He told me that if I had any questions I could call him anytime. Once I found, hopefully, my future home, I told Sean and he started the process to make my dream come true. With Sean and his team, there were few very stressful hurdles but Sean made it happen. I never thought that I would be a home owner. You are the best and I would recommend you to anyone who needs a lender. Thank you from the bottom of my heart!!!”
Lisa Saliman
“Sean was great - we needed a loan for a 30 day close and he got it done and was on top of the process every step of the way. His team was super helpful and responsive when I needed assistance. Definitely recommend Sean, especially if you need a loan fast.”
Cassie Allison - Teacher
“As first time home buyers, we were nervous not knowing what to expect, but Sean was so helpful throughout this whole process. Sean was always available to help answer questions and explain everything. He worked with us and our unique situation, making sure everything was moving along, and got us a 30-day closing and into our home! We will be forever thankful for all of his hard work! ”
Jordan and Jazmin Anderson - New Homeowners
“Sean was so amazing at helping my husband and I get a loan for our first home. We had a unique situation and Sean new had to handle every aspect of it. Sean took his time with us and was very informative, attentive and responsive. He was always there to answer any of our questions and made us feel very comfortable in getting our loan. Thank you for making our home buying experience so positive. We will without a doubt recommend Sean to all of our family and friends. ”
Silvia - Educator
“This was our first time getting a loan and we had no idea what the process would look like or entail. Sean Hart was recommended to us by a trustworthy friend of ours from church. There are no words to describe how grateful we are for Sean’s diligence and professionalism, but if I had to describe in words, I can say much. Sean was upfront and honest from the beginning to the end throughout the whole process. He was very eager and happy to help my family and me. He knew from the get-go which loan was suited and best for us. He was patient and answered questions in clear and understandable language. He was consistent and readily available to respond and answer or return email/text and phone calls. Sean went above and beyond to help us in getting this loan and got the job done right. Trust me when I say that I will not hesitate in recommending Sean Hart in the future. Sean, my family and I want to thank you very much for all your hard work in taking care of us!”
Billy Hart - Billy Hart
“ Sean and his staff were absolutely amazing through my loan process. From my first conversation with Sean I felt completely at ease and comfortable. Sean is very knowledgeable and more importantly able to communicate the loan process in a way, even a knucklehead like me could understand. His staff were able to walk me through some of the technical process with ease, even though I am computer challenged. I would not hesitate to a recommend Sean to anyone that needs help acquiring a loan. My best to Sean and his staff for making what I thought would be a nightmare into a dream come true. ”
Hunter Swanson - Copywriter
“For first-time home buyers, my wife and I came into the process with a healthy amount of trepidation. We've heard a number of home buying horror stories and it felt like walking into a minefield blindfolded. Then we met Sean Hart. Not only did Sean guide us through the home buying minefield, but he did it with professionalism, clarity, and kindness. Because of his sound wisdom, we were able to buy our first home. From myself and my wife, we just want to thank Sean Hart for everything he did from beginning to end, we wouldn't be living in our wonderful home if it wasn't for him.”
Ana Geluso
“Mr. Hart was extremely helpful in helping to find the right loan for us. He was prompt to respond to us with any questions that came up. I would highly recommend him to anyone. ”
Gregory King - President - King soundworks
“A complete professional who kept the ball moving and on track the whole time. We were re-financing one property and paying off a second property and each transaction was seamless. The technology Sean uses also made the exchange and signing of documents a breeze. This about my 15th time buying and selling property and this was by far the most pleasant financing experience I've had. I highly recommend Sean and his staff. ”
David - Business Owner
“Sean was so impressive and responsive for all of our needs. He is a man that can be trusted, has great pride in what he does, while balancing everything so smoothly. I don't think this loan could have gone thru without his great knowledge. Thank you again, we will recommend you to everyone my wife and I know.”
Rachel Berry
“Buying and selling a home is one of the most stressful times but with the help of Sean Hart it was a very smooth process. He made himself available whenever we had questions, communicated all options with us and made sure that we understood every step. We would definitely recommend Sean to any of our friends. ”
willie grenier - Machinist
“I was in the house market for about a year and went through two loan companies before Homebridge. What a pain it was, I had to do most of the work and the other companies were extremely difficult to follow and they would never call back. A realtor recommended Sean at Homebridge. What a relief He was. Sean called back and handled everything on time and professional and had great advice. Being a first time home buyer he made it very easy. Their website is awesome too, so easy to follow and do all the E signs that banks require and paper work uploading. Sean at Homebridge is the only one I'm ever going to recommend to my friends and family. ”
Dave Grabowski - Studio Electrican
“Sean did it again! My third re-fi with Sean. He delivered on what he said he could do, with care to keep you informed throughout the entire process. I've dealt with others that lead you to believe in something. then let you down at close. Not so with Sean. I've recommended his services to my friends and family. I experienced integrity, trust, reliability, and "great rates" with the entire Homebridge Team. Thanks again Sean, ”
Jason Brewer - New to CA house market
“Have purchased multiple houses over the years across many states. Sean's genuine attentiveness, thoroughness, & responsiveness led to the best mortgage/financing experience my wife and I have had. He was patient with our questions around CA nuance, and he proactively anticipated scenario options so our conversations were concise and effective. Have already recommended him to my friends and coworkers with full confidence.”
Bill - President
“First off I hate making a loan!!! They ask you for everything but the kitchen sink! Why?? I just want some $$ and you can own my house end of story? Well it is not that easy!!! Do you want easy?? I'm 62 years old and have been told a good name for me is Grumpy! Sean Hart made it easy! He put up with me when I was ready to throw the towel in he helped me out more than he should have! I got my loan my name is still Grumpy but Grump has a smile on his face! Give Sean a try you will not regret it! Bill Fowler”
Larry - Sales rep for fiberlay
“Sean was very efficient and walked me through the whole process. Anytime things slowed down he pushed it. He let me know what interest rates were doing. I really can't say enough about his help. We are very happy. I would use him again in a minute. He always stayed in touch with us.”
Dana - R.N.
“Sean was a steady professional during the entire stressful months we dedicated to buying our home. He helped us solve problems, explained whatever I did not initially understand, was responsive to my phone calls, emails, and texts; overall he really helped us not only get the loan we needed, but also did not overwhelm us at all during the process - he made it easier. I would say he is not only experienced and professional, but thinks outside the box and knows how to get something that is hard to do done. I will be more than happy to work with Sean again in the future and would recommend him to anyone who wants a (seriously) great lender.”
Gabriel Duarte - Attorney
“Sean expertly, efficiently and economically helped me navigate a very complicated lending process and managed to qualify me for a loan that not many other loan brokers could have done. Use him if you want quality service. ”
Tim Hopp - Sales Rep
“I sat down with Sean and explained what I needed from his bank. We worked out the details very quickly. Sean was very helpful in all aspects of the loan process. The whole loan process was simple and quick. Thx Sean. ”

Our Latest Thinking

It’s time to find the right loan for you. Tell us a little more about yourself to get started.