Steve Papapietro

Sr. Loan Advisor | Branch Manager

NMLS ID: 633683

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Apply Now Contact me

411 Borel Avenue, Suite 320

San Mateo, CA 94402

[email protected]

Get directions

Office (650) 319-1642

Mobile (650) 823-6318

Fax (866) 260-4737

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About Steve Papapietro

Integrity and passion are the cornerstones of Steve Papapietro’s business, and his primary focus is on taking care of his clients’ concerns. Having worked in the mortgage industry for more than 28 years, Steve has personally assisted thousands of families in realizing their dream of homeownership.

Everyone’s story is unique, and offering you practical suggestions and comprehensive lending solutions is paramount to Steve. He meets your needs through careful listening, attention to detail, and demonstrating genuine care for your goals today along with your dreams for tomorrow.

As a native of the Bay Area, Steve has a thorough and deep understanding of the real estate market and the unique attributes of its cities and neighborhoods. His extensive background includes assisting first-time homebuyers, high-net-worth and investment clients, and self-employed borrowers.

Steve has a bachelor’s degree in marketing and finance from Santa Clara University, and he lives in San Carlos with his wife Annette.

Steve's extensive leadership experience includes:

· Consistently ranking in the top 1% of mortgage loan professionals nationwide

· Over 28 years of experience in real estate and real estate finance

· President’s Club Award recipient

· Personal finance advisor

· Licensed California real estate agent/mortgage loan originator

Mortgage Specialization

Adjustable-Rate Mortgages
Condominium Financing
FHA Government Loans
First-Time Home Buyer Programs
Fixed-Rate Mortgages
Investment Property Loans
Jumbo Loans
Professional Loans
Second Homes

Languages Spoken

English

Client Testimonials

Hear what my previous clients have to say about my work.

Tania M.

“Steve was very patient and thorough in explaining the loan process, detailing our most suitable options, and answered our questions very clearly. He made us feel valued as clients throughout the whole process. Steve is our go-to guy. BIG THANK YOU, STEVE!”

Claire L.

“When picking a lender for my purchase, there wasn't a question in my mind about who I would work with - it was Steve. Steve is a genuinely kind and honorable human. We have worked together on many transactions; this was my first purchase as a buyer.”

Juha M.

“We have gone through the mortgage or refinancing process three times before. Experience with Steve was in a league of its own. We will never go back to our previous lender.”

Ed R.

“Steve was fantastic to work with throughout our loan process. After we first spoke to him over the phone, we knew Steve would be a perfect fit for us; he is an expert in his field. I would highly recommend Steve for any of your mortgage needs.”

Derik S.

“During the bidding process, Steve went above and beyond, called the sellers' agent/sellers on our behalf, which we believe helped convince the sellers to sell to us. We wouldn't hesitate to recommend Steve or get back in touch for future financing rounds.”

Jeff K.

“Steve has helped to make this a very positive experience. We couldn’t have done it without Steve and his team. We will be sharing his name with our friends and family.”

Ravi D.

“Without Steve’s perseverance and push, our purchase might not have happened. I really appreciate how easy it has been to work with Steve.”

Susie H.

“It has been a fantastic experience working with Steve and Johnna. Everything went as planned, and I welcome the opportunity to work with their team anytime. All the way around, this is a true dream team.”

Tory F.

“You guys rocked it! This was a significant team effort and wouldn’t have asked for anyone else!! A great example of hiring a team that works well and efficiently together.”

Leslie W.

“Steve is a fantastic lender and truly dependable in every way! I LOVE working with him.”

Doron G.

“It has been a pleasure working with Steve and his team again, and I would certainly recommend him to anyone in my network looking for mortgage assistance. I will be reaching back out to Steve for help in the future.”

Lisa Z.

“You’re the best!!! A huge thank you to you and all of your fantastic team members for making this happen!”

Diane M.

“Steve has been my mortgage rock since I first bought this little house in 2003 and has been a shining light of honesty and integrity.”

Tom S.

“Steve is our number one recommendation for anyone looking to finance.”

Why Flagstar

Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.

What to Expect

We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.

Please select your lending process

STEP 1

Pre-qualify & Gather Financials

Submit your financial information and we’ll give you a personalized estimate for your loan.

STEP 2

Pre-approval

Once you’re pre-approved, we’ll coordinate with the escrow or title company.¹

STEP 3

Loan Review

Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.

STEP 4

Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 5

Close & Receive Your Funds

We’ll close your loan and wire your funds into escrow so you can complete your home purchase.

¹A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.

STEP 1

Loan Application

Complete a loan application online, and submit the necessary financial documents.

STEP 2

Appraisal

We'll conduct an appraisal of your property to determine its current value.

STEP 3

Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 4

Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your funds.

Financial Calculators

If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.

Monthly Mortgage Payment Calculator