Years of Experience at Your Service
Why are we proud of our service to homebuyers?
Polaris Capital Partners Inc. is created to service the loan industry a little differently. We support our loan officers with a full-service in-house team which offers them the flexibility they need to best serve their customers. Servicing the loan from beginning to end saves the borrower time, and you can trust that when we say we can fund a loan, we do it, and we do it with care.
That's because Polaris Capital Partners Inc. is an independent, full-service residential mortgage broker. We offer a full menu of attractive residential loan products and service and borrower satisfaction is our #1 priority!
Our Mission
We serve the people in our local communities by enabling them to buy the home of their dreams. We are focused on changing the way Americans buy and own a home in this country. Step-by-step we’re taking apart the old infrastructure and replacing it with thoughtful technology and a Better experience
Our Vision
Across industry channels, cultures, and life stages, we couple technology focused solutions with superior customer service to provide a seamless and enjoyable home buying experience that exceeds expectations. We serve the people in our local communities by enabling them to buy the home of their dreams.
Our Core Values
We Care. Period. About our local communities, our customers, and our employees. We are committed to excellence. We strive to exceed our customers’ expectations.We operate with integrity and honesty. We always want to do what is best for the customer.
We're Different
Unlike call center based banks that make their customers talk with representatives in several different locations, Polaris Capital Partners Inc. handles the entire mortgage process in-house. Also, our technology platform allows us to take a full application online, making the process go as smoothly as possible.
Our Team
Our team has the ideal mix of industry expert, thought leadership and execution.
Steve Herbert
President, Broker & Chief Lending Officer
NMLS #271793 DRE #02097331 (650) 302-0213 Steve@polariscappartners.com
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Arnold Mercado
VP Finance & Operations NMLS #1752830 DRE #02041477 (415) 860-9901 Arnold@polariscappartners.com
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Ray Avanzino
VP Senior Residential & Commercial Loan Officer NMLS #288504 (650) 576-6531 Ray@polariscappartners.com
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Marcy Mattei
Realtor DRE #02127242 (707) 637-6801 Marcy@polariscappartners.com
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Ken Mason
Broker NMLS #02097331 (650) 400-1943 ken@polariscappartners.com
John Figone
Senior Loan Officer/ Realtor DRE #01230392 (650) 465-2728 John@polariscappartners.com
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