I am a home loan expert dedicated to making sure your home purchase or refinance experience is top-notch.

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Welcome to Billions Loans powered by Nexa Mortgage

Bringing extensive knowledge of the real estate market and mortgage lending to her position as an accomplished and respected mortgage loan officer, Stephanie offers her clients an outstanding level of service. Her formal education, in harmony with her many years of experience purchasing, owning, and selling property, allows Stephanie to excel at every level of the real estate transaction. Prior to earning her Real Estate License and National Mortgage License, and after studying business and finance at the University of Phoenix, Stephanie earned a Bachelor of Science and Master’s Degree. Combining her strong background and credentials, extensive experience as a full-time mortgage loan officer, and dedication to ongoing education in her field, Stephanie provides an unsurpassed choice for anyone ready to purchase or sell a home. Known by clients and colleagues alike for her tenacity, perseverance, honesty, and fairness, Stephanie also enjoys a stellar reputation for quick, timely response to each client's needs and concerns. Her telephone and email are always at hand. The result of that consummate professionalism is her extensive portfolio of referrals from past and present clients. In addition, Stephanie credits the values instilled in her by her time serving her country in the United States Navy as being vital to her professional success. Joining the military at a young age, she was taught the value of honor, commitment, and courage. Stephanie resides in the Temecula Valley where she enjoys cycling, hiking, half-marathon running, and wine tasting. Stephanie recently completed the La Jolla Half-Marathon and the America's Finest City Half-Marathon.

Stephanie became a loan officer in 2004 and knew she had made the right choice. She loves helping her clients build personal wealth and security for a sound future. It’s the best motivation she knows.

Stephanie’s business is based on integrity and honesty, and her goal is to provide you with a fantastic mortgage experience. She offers a combination of effective listening, attention to detail, excellent service, and relating to you on a personal level. She will keep you updated on your loan, and Stephanie is always available to answer your questions.

Stephanie served in the U.S. Navy, so VA loans are a priority for her. She also excels in investment property financing and handling any loan that requires extensive knowledge of program guidelines.

FHA, VA, and Jumbo Loans in California and Oklahoma

Welcome to my official site. I run a full-service mortgage company based in Menifee, Ca.  I specialize in FHA, VA, Down Payment Assistance, Conventional, and Jumbo Loans in California and Oklahoma. I also service Riverside and Oklahoma county just to name a few.  Whether you are buying a home or refinancing in any of these zip codes: 92584, 90011, or 78036, I can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, I offer the following:

FHA | VA | HomePath | Jumbo | Commercial | Conventional

Refinancing? I can help you with that, too!

In addition, I offer a wide range of refinance options designed to best meet the needs of my clients. If you're looking for cash out or to just get a better rate and term, I can assist you. I offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | Conventional | Commercial | Jumbo

What makes Stephanie unique is that she offers the following niche programs as well: DSCR for investment purchase, One-time construction to permanent, and No Ratio primary residence purchase.

Contact Stephanie Billions today to discuss your mortgage loan options and find out which loan program will best suit your needs.