Realize Your Dream Of
Home Ownership

Couldn't be more happy with the service German has provided me and my family over the years. Alway goes above and beyond to provide the best options possible. He has helped in ways a standard bank would never.

I have worked with German for over 15 years and confidently refer him to my clients. He partners with hundreds of lenders, enabling him to secure the most suitable loan options for each client's unique financial situation. He consistently tailors solutions to meet their specific needs. German offers competitive interest rates, communicates clearly throughout the process, and his underwriting team is highly responsive-often providing updates the same day or by the next business day. He also ensures transactions close efficiently and on schedule. I highly recommend him to anyone seeking a dependable and professional lending partner.

"We had a somewhat complicated situation (self-employed + recent credit repair) and most lenders told us we'd have to wait or couldn't qualify. Germán Santibanez took the time to actually review our full picture, gave us a clear game plan, and got us approved in under 30 days. He communicated every single day, explained every form, and never once made us feel rushed or dumb for asking questions. We closed stress-free and even got a better rate than we expected. If you want someone who actually fights for you, this is the person."

Honestly, he is the best agent he got Mr the lowest rate I have never seen lower than that rate Give me discount on bank fees without even asking Very honest and quick he always work in your side

"From the first phone call to signing the final docs, German was outstanding. He returned every call and text within an hour (sometimes minutes), walked us through every number on the loan estimate, and was extremely patient when we changed our minds about loan type twice. He also coordinated smoothly with our realtor and escrow company. The whole experience was surprisingly pleasant-highly recommend!"

He is very patient with clients and always available to help them.

German was professional, informative, and supportive throughout the entire process. He answered all of my questions clearly and took the time to explain each step, ensuring I fully understood everything. He made me feel comfortable and confident in my decisions from start to finish. I would recommend anyone who is looking for help purchase their home to go to German.

Best lowest rates , very honest , make sure everything is cleared and explained during the whole process Thank you So much Mr German

I couldn't have asked for a better lender. David Honda was an expert every step of the way and knew the ins and outs of doing a VA loan. The process went smoothly from start to finish because he kept everything moving and stayed on top of every detail. He knew the VA loan process like the back of his hand and explained things in a way that made sense. I had a few moments where I started to feel overwhelmed, but David's calm confidence and deep knowledge helped settle my nerves. He gave me updates before I even thought to ask, so I rarely had to call. And when I did, he picked up immediately. No waiting. No confusion. Just straight answers. David is the lender you want in your corner because he's responsive, proactive, and he will fight to get you the best rate and the best outcome. I would absolutely recommend him to anyone, especially veterans using a VA loan.

Thank you so much for all your hard work and support in helping us secure our dream home! We are truly and forever grateful. We hope to have the opportunity to work with you again in the near future.! We had the pleasure of working with German as our lender, and I can confidently say he provided exceptional service throughout our loan process. Our situation was far from straightforward and involved several complications along the way, but German handled everything with patience, professionalism, and a consistently positive attitude. From the start, he was transparent and upfront about all aspects of the loan, including detailed discussions around rates and options. He never hesitated to explain things thoroughly, and he always made sure we were comfortable with the decisions being made. What stood out most was his deep knowledge of jumbo loans and his ability to guide us through the complexities of ensuring our debt-to-income ratio stayed within the range required by the banks. His insight and attention to detail gave us confidence during what could have been a very stressful process. Throughout the entire transaction, German was respectful, approachable, and genuinely invested in helping us succeed. We're truly grateful for his support and would highly recommend him to anyone navigating a home loan-especially those with more complex lending needs.

Kimberly Capizzi changed my view on homeownership from a dream to a reality. Other loan officers had dismissed my chances, but Kimberly took the time to understand and address my unique needs with genuine compassion. Her personal dedication and expert guidance throughout the process made me feel valued not just as a client, but as a person striving to own a home. Thanks to her, I no longer see myself as a perpetual renter. I highly recommend Kimberly to anyone looking for more than just a loan officer, but a true partner in the journey to homeownership.

Working with Kimberly Capizzi on my VA home loan was an absolute joy! She tackled every challenge with a smile and made the complicated process seem much more manageable. Kimberly genuinely cared about my situation and went the extra mile to ensure everything went smoothly. I’m so grateful for her patience, warmth, and expert guidance throughout my home buying journey. If you’re looking for someone who truly puts your needs first, Kimberly is the person to go to. Thanks so much, Kimberly, for helping me secure my new home! She knows VA lending!

I recently worked with Kimberly Capizzi to purchase my new build home in Texas, and the experience was exceptional. Her guidance throughout the mortgage process was clear and very helpful. She genuinely cared about my needs and made everything smooth and straightforward. Her professionalism and dedication are truly commendable. I highly recommend Kimberly to anyone looking for reliable and supportive mortgage services.

Kimberly is amazing. She has so much knowledge and made my home purchase smooth and easy. I would highly recommend her. Great communication and follow through. Kuddos to her and her team.

German! What can I say but THANK YOU for all your help in securing our home loan. Not only were you professional, but you took the time to explain things to my Husband Eddie and I. We will forever remember that conversation that made us not just feel comfortable, but allowed us to really trust you. We hear stories on how stressful home buying can be but we both agree having you on our team made it a lot less stressful. There’s plenty more good things to say but I just want you to know the Perales family are forever grateful for your guidance and we definitely look forward in recommending you to all of our friends and family. Much thanks! Eddie, Jessica, Beto & Ivy! “The Blakely home”

Thank you German! We hit a few roadblocks during our process of buying a house but German made sure that we had a lot of back up options. He guided us every step and reassured us everything was going to be good. We put our trust in him and now we are proud homeowners. He was very helpful. He has an eye for detail, he was on top of everything during this process and was quick on his feet when things weren’t going our way. I would highly recommend his services. Thank you again German for all your help.

German is by far the best communicating lender I’ve had the pleasure to work with. He throughly explains every detail necessary to all parties involved. We were able to close escrow early even after being thrown a curve ball. He definitely does whatever it takes to get the job done!

There are hundreds of loan agents across the nation. You can buy a house in any state with an out of state loan officer, just because you like your loan officer, and you will follow him wherever he goes. I am fortunate to have found that lender in German Santibanez, and I am even more fortunate that he is local to me, ergo to my clients. German will answer your questions and he thrives on more challenging and complex questions. He will not do anything against compliance because that is easy to do. He will find the solution no matter how many calls, how many hours, how many brain cells to use, because he will find the most legitimate and reasonable answers. He will also tell you up front if it is not doable, so you and your client save time. There may be thousands, not hundreds of agents across the nation, but it does not matter. Here's my honest opinion of German. Let alone he had given me advice no matter how that borrower panned out. He didn't hold grudges, he didn't give up on me when my borrower went somewhere else, he still gave me advice. He helped me fight for my buyer when agents are influencing my buyers in their direction. That's how he earned my trust, my loyalty. Go with German Santibanez, with United American Mortgage who is a big support to him. Carmelita Tiongson Keller Williams Realty

Wow Steve was amazing. He got us multiple loan options and his response time was excellent. Fast forward we sold the property and needed some help with the lender. Steven jumped in again, without hesitation, and we were able to work out the lender issue and close the escrow. Steve is a great resource and he is always happy to offer input and advice.

Extremely satisfied with mr. Hooks service in finding a finance solution for this odd/unique property. Steve and finance team was able to meet my goal with a refinance with creativity and great customer service. He made me feel comfortable through the entire process. I would welcome the opportunity to work with Steve again.

My situation was a challenging one but Steven's attention to detail and ability to respond to clients promptly made it a joy to work with him. He organizational skills made it hard to miss a beat. Every interaction with him made me feel like I was his only client. Thanks to him, I am officially a homeowner!

Working with German is a dream! I don’t have to chase him he follows up regularly with my clients and gives me updates on a weekly basis when we are in escrow. He is patient and trustworthy I truly have enjoyed every transaction with German and so have my clients who have in trusted him. I highly recommend German to any of my colleagues

German Santibanez assisted me with the loan process for the purchase of a property. I am truly impressed with the way German manages to meet every goal set before you. His prompt response when questions arise is key when necessary documents are time-sensitive. It was a pleasure working with German. I look forward to the next transaction. I would refer German to any friend or family member.

Many many emotions came along in the process, now I can say I loved every part of it. I really appreciate all you and Randee did for us always so professional and ahead of the game with everything. I’m so thankful! you always gave me that peace of mind to trust you guys in the process of buying my dream home. ????????

Attentive, effective, and achieves superior results. Great reputation with lenders and borrowers alike.

Steven Hook is aces! My husband and I cannot say more about his assistance and services. Steven supported us and held our hand through the whole process of acquiring a loan to upgrade our family home. Without him we would’ve been lost. He was responsive, pleasant, helpful, understanding, supportive, patient, and most of all…very efficient in explaining what was going on. We appreciate him very much and would recommend his services highly to anybody looking for a quality loan assistance

Steven helped me finance two of my home purchases, and refinance separate loans after a condominium conversion. He was very professional and made the process smooth! He’s kept in touch over several years and is great to work with!

Steven was very helpful guiding me through the process. He was always available to answer all of my questions. It was a great experience

My husband and I have worked with Steven multiple times over the years and I highly recommend. He’s a straight shooter and I love that. Responsive. Respectful. Always with your best interest in mind.

I worked with Steve on serveral loans in the past. He is very knowledgeable, efficient and really great to work with. I highly recommend him.

Steve is a pro's pro, and has helped me out over the years with many lending scenarios.

Great broker to work with... understands the importance to get financing in place reqardless if you are self employed or credit is weak. Financed 5 different rental properties for me over the years!

"As a first-time homebuyer who was not familiar with the process, German was there every step of the way. He's dedicated and insightful with over 20 years of experience. You have to work fast in today's market and he is the perfect person for that. German will go above and beyond and I would highly recommend anyone looking to purchase a home to work with him."

I had my mortgage and refinance done by Steve. Both times he demonstrated his ability to find super low rate for me. And lightening speed on handling detail oriented documents signing process. Reply mail almost right away. I will defiantly work with him again in the future!

Steven and his team are incredibly efficient, professional, patient and polite. I feel very fortunate to have them as my lender. In short, he is outstanding and very knowledgeable! I will definitely be a repeat customer.

Thanks for everything and the very fast process!

10 months ago He and his crews are incredibly helpful, understanding and made the whole process easier. Really thankful for all the amazing work he did for us. Definitely recommended!

We worked with Steven on a loan for our house. Steven was great to work with and very responsive. I would definitely work with him again!

Thanks Steve for the great service and helping us to find a great mortgage lender and a great rate! Your fast turnaround and responsiveness were amazing. We look forward to working with you again on our next deal! I would recommend you to anyone with no reservations.

Steven Hook was great at walking us through every part of getting us our loan to buy out my past partner and add a new one. A unique situation but he made it work for all of us. Very happy with Steven’s results. Highly recommended.

My partner and I had the best experience with Steve Hook with our recent purchase of the house we are currently living. It was a twisty curvy road and Steve found the coolest opportunity for our loan with no W-2s needed. This was going to be the only way we, as artists, would be able to purchase a home in California! We are so grateful we found Steve and recommend him to all of our friends and family! He truly is one of the best in the real estate business!!!

Steven went above and beyond to help me achieve my dream ! He did a great job finding the right fit for me and I could not be happier with the result. I will definitely call upon Steven for any future mortgage needs and I highly recommend him because of his dependability. Most importantly, I could always reach him with any questions I had and he constantly kept me advised of what was happening with my mortgage loan. Great job, Steven!

I highly recommend Steven Hook for your lending needs. He helped me with a commercial property, cash-out refinance. He uses his extensive network to get you the best rate and terms. He is very responsive and keeps you updated throughout process. We will use him again for our next transaction.

Thank you German. You helped me lock at the perfect time and got me a great rate and was always there to answer questions. I will let anyone I know who I think is one of the best mtg brokers around.

Steven Hook was a great help for me to secure funding in the midst of the Covid fluctuations. He always responded quickly and explained each step of the process thoroughly.

Not only was Steven Hook wonderful to work with, Steven was able to offer creative financing that other lenders did not offer. I've known Steven and worked with him for many years. He's proven time and time again to be an absolute expert and professional in the industry. On the job every step of the process, Steven doesn't miss a beat,. crucial to rate locks, timely appraisals, conditions, and closing. I highly recommend working with Steven!

Steven is excellent at what he does. Highly recommended - a trusted partner to my business.

Highly motivated and quick response. Love to work again.

I have been working with German Santibanez at United American Mortgage for a long time now. So far he has been able to exceed my expectations. What I really like from him is the level of customer service he provides not only to me but to my customers as well, almost every time I call him he answers my calls, he calls back my customers right away and he is constantly trying to close my purchases as fast as possible. I got to tell you if you want really want the support from a great loan officer not only helping you close your deals as fast as possible, but attending your open houses not caring how far or how small the sales price is he is the guy to use.

Couldn’t have done it without you. Thanks for all the work you did for us

This guy was a brilliant orchestra conductor for one of the most complex financing deals ever. He made our dreams come true! He pulled off the impossible, and we highly recommend him. This type of lending is fraught with sand traps, and Steven knows how to honorably navigate them. He can be trusted. Like

Absolutely the best broker with such a vast array of loan options you can't go wrong. Steven will "Hook" you up!

Steven and his team are thorough and thoughtful... my wife and I have worked with him on home purchase and refinancing projects and have always been happy with both the outcome as well as the process. We would work with him again, no question.

Steven is fantastic. He is highly attentive and very personable. Always having time for his clients and you never feel like your taking up his time. Cannot recommend enough!

Steven was very prompt and fair in brokering a commercial loan for my rental properties in the East Bay. I would not hesitate in seeking out his expertise and services the next time around.

Steven (aka The Hook) Is the best mortgage broker I’ve ever worked with. He’s extremely responsive, patient and explains everything. He has always gotten me the best rates and made the process seamless. He possesses extensive knowledge on mortgages and refinancing and he works well with both first time and experienced buyers. I would highly recommend Steven for any mortgage transactions or refinancing.

Steve found the best offer for us out of all my different quotes. I had quotes from quicken loans, redwood credit union, sofi, and better. Steve topped them all. This speaks volumes to his knowledge of the business and commitment to serving his customers. He was super fast to respond, always available, and super responsible. Really appreciate his help buying our first home in the Bay Area.

We were in an extremely competitive home buying situation, and Steve was instrumental in both getting our offer accepted (via reputation and connections in the biz) and getting us through to closing -- one of the most nerve-racking experience my husband and I have ever had! We cannot imagine going through that process without a mortgage broker, and we could not have asked for a better broker than Steve. He was incredibly responsive -- available to talk on the phone when needed and answering all of our email questions with care and detail, typically within minutes or hours. He's a real pro and a super nice guy to boot! We are grateful for Steve's expertise and guidance and would highly recommend him to guide you through the process of securing a home loan that suits your situation and needs.

Steven Hook went above and beyond the call of duty as my broker, as a First Time Home Buyer. He was always available, even evenings and weekends, and very responsive with time sensitive, detailed and accurate information. Both Steve and his team delivered top notch service and representation, which I am forever thankful for, assisting me in navigating the complicated and sometimes overwhelming process of purchasing a home. He ensured that I got the best and lowest loan rate locked in and an amazing down payment assistance program, that all in the business said it was the best they had ever seen.

I was the first time home buyer and in need of an approval letter and a lowest interest loan. I contacted Steve and provided all required docs. Thanks to Steve and his team who are so experienced and very on top of everything. They got all the paperwork done for me very quickly.

Steve is great to work with! Amazing knowledge of his job, and very personable. HIGHLY RECOMMENDED!

Steve Hook helped my wife and I buy a condo in Oakland in early 2013. Prior to engaging Steve we’d spoken with some other brokers who were not excited about our application. We’d recently moved to the U.S., and with one modest income, and pretty minimal work experience, we were not ideal candidates. Nevertheless, the loan process was incredibly smooth. Steve was the first person we called for recommendations when we started looking in NYC.