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Oliver Flores
Senior Loan Officer
NMLS# 234864
About me
Hi, I’m Oliver Flores—Senior Loan Officer and proud Californian by way of the Philippines. Since 1987, I’ve helped families from all walks of life achieve their dream of homeownership. With over two decades in mortgage lending, I’ve learned that every client’s journey is unique, but the destination is the same: housing wealth.
Whether you're a first-time homebuyer navigating credit challenges or a retiree exploring ways to unlock your home’s value, I’m here to guide you with empathy, clarity, and a deep commitment to your financial well-being.
???? Helping First-Time Buyers Build Housing Wealth
Buying your first home can feel overwhelming. My job is to simplify the process and empower you with the right tools and guidance. I specialize in helping buyers with:
Moderate income and limited down payment funds
Fair credit scores
Questions about loan programs and affordability
Together, we’ll find the right mortgage solution and build a strategy to grow your homeownership wealth over time.
???? Reverse Mortgage Guidance for Retirees
One of the most meaningful moments in my career was helping a retired couple struggling with fixed income. That experience sparked my passion for educating seniors about reverse mortgage options—specifically the Home Equity Conversion Mortgage (HECM).
I help retirees and their families understand how reverse mortgages can support:
Longevity planning
Inflation protection
Retirement income stability
Risk management in financial withdrawals
A reverse mortgage isn’t for everyone—but when used wisely, it can be a powerful tool for financial freedom.
???? Let’s Talk
Whether you're buying your first home or planning for retirement, I’d love to help you take the next step. I work closely with clients, financial advisors, and families to ensure every decision supports long-term housing wealth.
“A journey of a thousand miles begins with a single step.”
???????????? A Bit About Me
I’m a husband, father of two boys, and a proud member of the Saint Edwards Church community. Outside of work, you’ll find me biking, boxing, restoring my 1971 Mustang, or volunteering.
Let’s connect and explore your path to housing wealth.
Salamat!
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Let’s find the right home loan for you
We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.
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Testimonials
Oliver was easy to work with and made the process stress free. He explains the need for every required documents. He gives me time to submit documents by letting me know early. Oliver made himself available to answer my calls with questions or will call back as soon as he becomes availble. Overall Oliver and his team are very knowledgeable on what they do to make the refinance process went smoothly.
Working with knowledgeable people made the process so much easier!
Communication, skill, understanding the need completely, Closed on time.
Oliver did a truly fabulous job on a transaction we had together. I represented the seller and Oliver kept me up to date every step of the way. This was helpful because I did not have to chase him down for info and with his updates, I could then easily update my seller on the progress of the buyers loan. I highly recommed Oliver. Very professional!
Oliver was so great and supportive throughout the whole process! He was quick to answer questions and helped us understand the process with clarity. Thank you for helping us purchase our first home!!!
Oliver was fantastic
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