With over 14 years of experience in the mortgage industry, Stephen Patrick Martin is a results-driven mortgage loan originator known for his sharp critical thinking, creative problem-solving, and deep expertise across every facet of lending. Stephen has built a reputation for delivering tailored financing strategies that empower homebuyers, real estate investors, and business owners alike. His lending expertise spans residential, investment, and commercial properties — including FHA, conventional, DSCR, fix-and-flip, non-QM and no-income-verification loans. Whether navigating complex borrower profiles or structuring deals with tight timelines, Stephen brings a strategic mindset and relentless dedication to getting loans closed efficiently and ethically. More than just a mortgage expert, Stephen is a trusted advisor who asks the right questions, challenges assumptions, and uncovers solutions others miss. His clients value his transparency, depth of knowledge, and unwavering commitment to their financial goals.