Business Details
22 Years
experience
Trusted Mortgage Brokers in Irvine, CA
The Sean McDowell Team has been a trusted leader in mortgage financing for over two decades, delivering tailored solutions to homebuyers and refinancers. With a proven track record of managing over $2 billion in loans, our practice prioritizes personalized service, transparent communication, and deep industry expertise. Our team of seasoned professionals takes the time to understand each client's unique financial goals, guiding them through complex mortgage decisions with clarity and confidence. Backed by Promise Home Loans, we combine institutional strength with a local, client-first approach. Our commitment to accessibility ensures clients receive timely support at every stage of the process.Recognized for exceptional follow-through and ethical standards, we have built lasting relationships with clients who value our dedication to their long-term financial success. Our services span a comprehensive range of loan products, including conventional, FHA, VA, and jumbo loans, among others. We empower clients with educational resources to make informed decisions, while our streamlined processes minimize stress and maximize efficiency. Testimonials consistently highlight our professionalism, responsiveness, and ability to simplify the mortgage journey. For first-time buyers or experienced investors, we provide the expertise needed to navigate today's dynamic housing market.
Services
Adjustable-Rate Mortgage
Conventional Loans
FHA Loans
Fixed-Rate Mortgage
Jumbo Loans
Refinance Options
Renovation Loans
Reverse Mortgage
USDA Loans
VA Loans
Details
- Year established: 2004
Highlights and features
- We offer 20+ years of experience managing $2+ billion in mortgage loans.
- Our team provides personalized loan solutions tailored to individual financial goals.
- We guarantee 24/7 accessibility for urgent client questions or concerns.
- Our follow-up process ensures seamless documentation and communication.
- We maintain partnerships with top lenders to secure competitive rates.
What people say
Knowledgeable professionals
Personalized experience
Top notch service
Stellar follow-up
Seasoned experts
Services
Conventional Loans
Conventional loans offer fixed or adjustable rates with competitive terms for borrowers with strong credit profiles. These mortgages require private mortgage insurance for down payments under 20%. Ideal for buyers seeking flexibility in loan amounts and property types.
FHA Loans
FHA loans provide low down payment options and flexible credit requirements for first-time homebuyers. Backed by the Federal Housing Administration, these mortgages allow lower credit scores while maintaining affordable interest rates for qualified applicants.
VA Loans
VA loans deliver low-to-no down payment benefits for active-duty military, veterans, and spouses. These government-backed mortgages eliminate private mortgage insurance requirements while offering favorable interest rates and lenient qualification standards.
Refinance Options
Refinance services help homeowners reduce monthly payments, consolidate debt, or access home equity. We evaluate current market conditions and individual financial situations to determine optimal refinancing strategies with transparent cost breakdowns.
Reverse Mortgage
Reverse mortgages allow homeowners aged 62+ to convert home equity into tax-free cash. Borrowers receive payments while retaining property ownership, with repayment deferred until the home is sold or vacated.
People
Sean McDowell
Team Lead
With over 20 years of mortgage experience, Sean McDowell has funded $2+ billion in loans. He specializes in personalized financing solutions and maintains NMLS #196636.
Questions
What mortgage loan types do you offer?
We provide conventional, FHA, VA, USDA, jumbo, adjustable-rate, fixed-rate, refinance, renovation, and reverse mortgages to meet diverse client needs.
How do I start the mortgage process?
Begin by completing our online consultation form or scheduling a call to discuss your financial goals with our team.
Are first-time homebuyer programs available?
Yes, we specialize in FHA loans and other programs designed for first-time buyers with low down payment options.
Can I refinance my current mortgage?
We help clients refinance to lower rates, reduce payments, or access home equity through streamlined refinancing processes.
What areas do you serve?
While based in Irvine, CA, we provide mortgage services nationwide through our licensed network.
How are mortgage rates determined?
Rates depend on loan type, credit score, down payment, and market conditions. Our team explains rate scenarios during your consultation.
Reviews (6)
Lyndsay B.
Aug 12, 2020
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Sean McDowell and his team helped insist me in purchasing my first home! Sean answered all of my questions and made the process so much easier! I can't thank them enough for all of their help. Highly recommend!!!
Heather H.
May 20, 2019
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Sean and his entire team are phenomenal!! They made the process so easy and with very little stress. Sean was so accessible for any concerns or questions I had which was unexpected and awesome! They were able to get my loan approved and we closed in 21 days! Amazing!!!
K. N.
Jul 10, 2018
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Sean and his team were top notch! they would notify us if we needed to get whatever paperwork needed, or a signature, etc.....they did all the hard work for us! their follow up was stellar. from sean actually coming over to our house with a bottle of bubbly, to the "we've moved" cards with our new house on them, to all the welcoming gifts sent to our new house. just stellar. they're a good cohesive group that work well together!
Sandra T.
Jul 03, 2018
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I loved how personalized our experience was. Sean and his associates did an outstanding job staying on top of our financial transactions, with the utmost professionalism. We were impressed with how efficient and reliable everyone involved was. To top it all off, we felt so appreciated. We loved the thoughtful gifts every time we completed a milestone in our mortgage process. From an amazing cookie box to a delicious Italian gift basket every member of our family was able to experience the appreciation. To say that it was an enjoyable experience signing our final documents is an understatement.
Tori P.
Mar 26, 2018
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I don't even know how to begin describing how wonderful this team is! From the initial meeting, I felt completely comfortable at Fairway. They are friendly, knowledgeable, and were always accessible for questions and concerns from a first time home buyer. I felt well taken care of every step of the way. I dealt mostly with Sean and Darcy and they were both absolutely amazing to work with. Sean went above and beyond to make my first home buying experience as smooth as possible and I will forever be grateful!
Tom M.
Nov 14, 2017
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You couldn't ask for a more loyal, friendly, knowledgeable, or hardworking lender! I've been working with Sean for the past couple of years and in that time he's gone above and beyond countless times for our clients.
Clients first, phenomenal service, every time! You can count on that from Sean and his team.
Clients first, phenomenal service, every time! You can count on that from Sean and his team.
