About Signature Home Mortgage, A Local California Mortgage Advisory

Our Story

Built for California Borrowers

Signature Home Mortgage was founded to fill a specific gap in California lending: the space between national banks (impersonal, slow, often inflexible) and small brokers (faster, but inconsistent). Our practice borrows the best of both: institutional discipline on underwriting and pricing, paired with the responsiveness of a neighborhood firm where a real loan officer answers the phone.

From our Pasadena office, we serve buyers and owners across the San Gabriel Valley — including Pasadena, Arcadia, Monrovia, and Glendora — the Foothill cities of La Cañada Flintridge and Altadena, the San Fernando Valley including Burbank, Sherman Oaks, Studio City, and Encino, and Greater Los Angeles including Glendale, Hollywood, and Los Angeles. Most of our business comes from referrals: past clients, real estate agents, and the CPAs and attorneys who send us the people in their lives who matter most. We take that responsibility personally.

Our team is bilingual (English, Armenian, and Spanish), our underwriting is conservative on the things that should be conservative, and our closing record speaks for itself. We're licensed in California (NMLS #1933381) and an Equal Housing Lender.

By the Numbers

NMLS #1933381, fully licensed California mortgage lender
Pasadena-based, serving all of California in person and remote
1-2 business day response during business hours, Mon–Fri 8–6, Sat–Sun 9–5 PT
Same-day pre-quals in most scenarios
Bilingual team: English, Armenian, Spanish
Family of brands: Signature Fine Estates and Signature Property Management

Meet Steve Kechichian

Broker / Owner, Signature Home Mortgage. NMLS #1933381.

Steve Kechichian

Broker / Owner

NMLS #1933381

Contact Steve

With over a decade of experience in real estate and mortgage lending, Steve Kechichian has dedicated his career to helping individuals, families, business owners, and investors achieve their real estate goals through strategic financing solutions.

As the Broker and Owner of Signature Home Mortgage, Steve offers clients a unique perspective that extends far beyond mortgage lending. In addition to leading a successful mortgage company, he also owns and operates a real estate brokerage and property management company. His extensive background in real estate sales, property management, and real estate investing allows him to provide strategic guidance that considers not only the financing of a property, but also its long-term value, investment potential, and overall impact on a client's financial goals.

Based in Pasadena, California and serving clients throughout the state, Steve specializes in helping self-employed borrowers, real estate investors, and clients with complex financial scenarios secure financing when traditional approaches may fall short. His expertise includes Bank Statement Loans, DSCR Loans, Non-QM Financing, Jumbo Loans, Conventional, FHA, VA, HELOCs, and other customized lending solutions designed for today's diverse borrower profiles.

As an active real estate investor himself, Steve understands the challenges and opportunities that come with purchasing, refinancing, and growing a real estate portfolio. Whether assisting a first-time homebuyer, a business owner with multiple income sources, or an experienced investor acquiring additional properties, his focus remains the same: providing clear communication, creative problem-solving, and exceptional service from application to closing.

Steve's commitment is to make the mortgage process simple, transparent, and efficient while helping clients build long-term wealth through real estate ownership.

Areas of Expertise

Self-Employed Borrowers
Complex Income & Financial Scenarios
Real Estate Investors
Bank Statement Loans
DSCR Loans
Non-QM Financing
Jumbo Loans
Conventional, FHA & VA Loans
Cash-Out Refinances & HELOCs
Investment Property Financing

"Mortgage Made Easy"

Based in Pasadena, California. Proudly Serving Clients Throughout California. NMLS #1933381 Broker/Owner | Signature Home Mortgage

The Difference

Why Borrowers Choose Us Over a Bank

A side-by-side look at what changes when you work with an independent California mortgage advisor instead of a traditional bank.

Traditional Bank

Signature Home Mortgage

Loan Programs

✕Limited programs

✓Multiple lenders

Approval Speed

✕Slower approvals

✓Faster decisions

Underwriting

✕Strict guidelines

✓Flexible solutions

Your Options

✕One option

✓Many loan options

Communication

✕Call centers & voicemails

✓Direct access to your loan officer

Availability

✕Weekdays only

✓Weekend availability

Simple visual comparisons help conversion. The actual experience is what earns the referrals.

What We Believe

The Way We Work

Four principles that shape every loan we close, from the smallest FHA refinance to the largest jumbo acquisition.

One Loan Officer, Start to Close

The same person picks up your first call, structures your file, walks you through the appraisal, and signs off on your closing. No handoffs. No relays. No "let me transfer you to the processing team." Continuity is luxury.

Slow Is Smooth. Smooth Is Fast.

The fastest closing isn't the one where everyone runs. It's the one where every step is deliberate. We take an extra day up front to make sure the file is bulletproof, then sail through underwriting while the chaotic shops are putting out fires.

Honest Rates, Honest Costs

No teaser pricing. No bait-and-switch on rate-lock day. No surprise fees in the closing disclosure. The rate you're quoted at pre-approval is the rate you'll close on, barring a real change in your file or in the market. We'll tell you the moment either happens.

We'd Rather Lose a Deal Than Waste Your Time

If a loan doesn't make sense for you, whether that's wrong program, wrong timing, or wrong property, we'll tell you on the first call. Mortgage brokers get paid to close loans. We get paid to close the right loans, which is why our referral base keeps growing.

Our Family of Brands

Part of a Broader Real-Estate Practice

Signature Home Mortgage is one part of a small family of California real-estate brands. Signature Fine Estates handles residential sales, and Signature Property Management manages residential and small-commercial rentals across the San Gabriel Valley.

The advantage for our mortgage clients: when your transaction touches sales, leasing, or ongoing property management, we have trusted in-house counterparts already familiar with our standards. Most clients never need that overlap, but when they do, it's there.

What This Means for You

End-to-end coverage: buy, finance, manage, refinance, sell. One ecosystem.
Shared standards: the same care across all three businesses.
Local accountability: California-based, California-licensed, California-focused.

A different kind of mortgage practice.