Mortgage Broker
Santa Clarita
Standing Out As The Premier Mortgage Provider in
Santa Clarita That Sets The Standard
We specialize in helping families and individuals in Santa Clarita and its surrounding communities—Valencia, Canyon Country, Newhall, Saugus, and beyond—find the right home loan with ease and confidence. Whether you’re buying your first home, upgrading, or refinancing, our local expertise and personal approach set us apart.
With years of hands-on experience and a strong reputation built right here in the Santa Clarita Valley, we offer trusted mortgage guidance backed by competitive rates, clear communication, and honest advice. As a fully licensed lender and broker, we’re committed to making the mortgage process smooth and stress-free—from application to closing.
Let’s build something great together—starting with your home.
Home Mortgages
Refinance Home Loans
Reverse Mortgages
First Time Home Buyers
Mortgage Broker
Santa Clarita
Standing Out As The Premier Mortgage Provider in Santa Clarita That Sets The Standard
Santa Clarita Home Mortgage Experts
Santa Clarita Home Mortgage Experts
There are new conforming loan limits effective 1/1/2025 in Los Angeles County:
Conforming is now $806,500 and High-Balance is $1,209,750
Purchase Home
Ready to find your next dream home? Whether you’re looking to upgrade, downsize, or add a vacation property, Southern Oaks Mortgage makes your next home purchase seamless. Our streamlined process and comprehensive loan options help Southern California homeowners make their next move with confidence.
Refinance Home
Looking to refinance your home? Whether you need to lower your monthly payments, get cash from your equity, or secure a better rate, Southern Oaks Mortgage makes refinancing simple. We specialize in helping self-employed homeowners and offer a streamlined process that saves you time and hassle. Click to explore your refinancing options.
Reverse Mortgage
Are you 62 or older and looking to tap into your home’s equity without monthly payments? A reverse mortgage could be your solution. At Southern Oaks Mortgage, we carefully evaluate your situation to ensure a reverse mortgage is the right choice for your unique needs, whether they’re medical, lifestyle changes, or other important life expenses.
First Time Home Buyers
Ready to buy your first home but unsure where to start? Southern Oaks Mortgage makes the process simple and stress-free. We’ll help you understand your options, from credit requirements to down payment choices, and shop your loan with over 30 financial institutions to find your perfect fit.
Looking for a trusted mortgage broker in Santa Clarita who truly cares about your success?
At Southern Oaks Mortgage, we don’t just process loans – we build lasting relationships with every client who walks through our Valencia office doors. Our dedication to personalized, attentive service has helped hundreds of California families achieve their homeownership dreams.
We live by our promise: ‘We don’t put Good people in Bad situations!’ That means taking the time to understand your unique needs, answering every question, and being there for you long after closing. Our track record through every market condition proves our client-first approach works.
But don’t just take our word for it – our five-star reviews on Yelp, Google, and Yahoo tell the real story of how we treat our clients like family.
Ready to experience the Southern Oaks difference? Give us a call -we’re here
to listen and help!
How Much Do You Qualify For?
How Much Do You Qualify For?
There are new conforming loan limits effective 1/1/2025
in Los Angeles County:
Conforming is now $806,500 and High-Balance is $1,209,750
Looking for a trusted mortgage broker in Santa Clarita who truly cares about your success?
At Southern Oaks Mortgage, we don’t just process loans – we build lasting relationships with every client who walks through our Valencia office doors. Our dedication to personalized, attentive service has helped hundreds of California families achieve their homeownership dreams.
We live by our promise: ‘We don’t put Good people in Bad situations!’ That means taking the time to understand your unique needs, answering every question, and being there for you long after closing.
Our track record through every market condition proves our client-first approach works. But don’t just take our word for it – our five-star reviews on Yelp, Google, and Yahoo tell the real story of how we treat our clients like family.
Ready to experience the Southern Oaks difference? Give us a call -we’re here
to listen and help!
How can we help you
It is our mission to provide high quality mortgage programs at the most competitive rates in the nation. Our home loan programs include: purchase, refinance, debt consolidation, home equity loans, second mortgages, reverse mortgages, construction loans, and home improvement loans tailored to your unique situation. Questions like should I refinance or what will my payment be, are available on this site or by telephone. We offer FHA loans , VA loans, and several first time buyer programs. Just ask us!
First Time Home Buyers
Home Refinancing
Reverse Mortgages
FHA Loans
VA Loans
Consolidation Loans
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Our Services
Mortgages
Turn the home of your dreams into reality. Use this FREE self-help tool to determine exactly what type of loan program will work the best for you.
Refinancing
Save money by taking advantage of the lowest rates available. Use this FREE self-help tool to determine exactly what type of refinance solution is best for you.
Reverse Mortgages
For homeowners 62 and older, access your home’s equity without monthly payments, providing financial flexibility while you stay in your home.
Home Equity Loans
Tap into your home’s equity for renovations, repairs, or any other needs with our flexible, competitive home equity loans.
Rates change constantly, contact a professional today
Our Easy 3 Step Process
1
Consultation
Start with a personalized consultation where we listen to your goals, assess your needs, and help you understand your options for achieving your home financing objectives.
2
Qualify
We’ll guide you through the qualification process, reviewing your financial details and working with our network of over 30 lenders to secure the best possible loan terms for your situation.
3
Close
Congratulations! Get ready to open the door to your new home, create lasting memories, and enjoy all the pride and freedom that comes with homeownership.
What our clients say
Andy Yonan
Southern Oaks Mortgage is a great company to work with. If you’re looking for a real estate agent or mortgage loan give Jeff a call! So many agents lookout for themselves with the highest commissions instead of getting the best for you! Jeff will fight for you! His assistant Cindy has an extensive background and is always willing to take the time to explain all the details. I’m not writing a review to pump up a company, I’m writing because I’ve used Southern Oaks Mortgage and love them!
Tyler Sparrow
I could not give a more glowing review for Jeff Eisenberg. I am a first time home buyer and I couldn’t have done it without Jeff. After searching for weeks to find a reputable lender and broker, I’m so glad I found Jeff. He made the whole process quick and painless and wanted what was best for my partner and I. He worked tirelessly to get us in our dream home and for the rate we wanted. He was patient and thorough in his efforts. I can’t thank him or recommend him enough. Anyone looking to buy a house in this area and this tough market, Jeff is your guy!
Melanie Voltz
Jeff and his team at Southern Oaks are professional, yet warm and welcoming. He is a wealth of knowledge and a great resource to know. When you run your business with a customer-focused approach, it’s no wonder you see so many 5-star reviews. Thank you for your insight, going-above-and-beyond to answer my questions and for being a leader in the community Jeff! Highly recommend Southern Oaks Mortgage.
Our Blog
What’s Happening To Interest Rates?
Mortgage interest rates have stabilized in August 2025, settling at an average of 6.62% to 6.89% for 30-year fixed loans in California and nationwide, reflecting gradually improving economic conditions and lower inflation compared to previous years.bankrate+3 What Is...
Contact
Main Office
25060 Avenue Stanford, Suite 255
Valencia, CA 91355
(661) 964-2600
jeff@somloans.com
Reviews
