Your Trusted Mortgage Lender for Home Loans & Refinance Solutions
At Estar Mortgage, we’re committed to helping you navigate your home financing journey with confidence. Whether you’re buying your first home or refinancing your current loan, we make the process simple, fast, and stress-free.
Why Choose EstaR Mortgage?
At EstaR Mortgage, we believe that buying or refinancing a home shouldn’t be stressful—it should be empowering. With decades of combined industry experience, our licensed mortgage advisors offer personalized solutions for every financial situation. Whether you’re a first-time buyer, a homeowner considering a reverse mortgage, or simply exploring refinancing options, you’re in the right place.
✅ Trusted by Thousands of Homeowners
✅ Licensed in CA, WA, OR, HI
✅ Transparent Rates & Flexible Options
✅ No Hidden Fees. Just Honest Advice.
Our Mortgage Services
Explore a wide range of services tailored to your needs.
EXCELLENTTrustindex verifies that the original source of the review is Google. Chris Freck and his professional staff use a combination of personal attention and secure technology to help you achieve your financial goals. Whether you are hoping to buy a home, or refinance an existing mortgage, you will be in good hands with the professionals at EstaR Mortgage.Trustindex verifies that the original source of the review is Google. Chris was an excellent lender and guided us through every step of buying a home. He created a custom spreadsheet that detailed costs and taxes for my specific home.Trustindex verifies that the original source of the review is Google. I recently had the pleasure of working with Chris Freck on a transaction, and I couldn't be more impressed! From start to finish, he was incredibly communicative, keeping everyone informed every step of the way. His efficiency and dedication were truly outstanding—he made the lending process seamless and stress-free. Thanks to his expertise, we were able to close escrow in just 18 days! If you're looking for a lender who is proactive, reliable, and gets things done, I highly recommend Chris Freck. I look forward to working together again in the future!Trustindex verifies that the original source of the review is Google. We had an exceptional experience with EstaR Mortgage as first-time homebuyers! Chris, Nora, and Andrea went above and beyond to guide us through the entire process with patience and expertise. They made what could have been a daunting journey feel smooth and manageable. Their clear communication, professionalism, and willingness to answer all our questions were invaluable. If you're looking for a team that is knowledgeable, supportive, and truly invested in helping you achieve your goals, I can't recommend EstaR Mortgage enough. Thank you, Chris, Nora, and Andrea, for all your help—we couldn’t have done it without you!Trustindex verifies that the original source of the review is Google. Chris was extremely helpful with explaining the loan process. Every question we had over the several months we were looking to buy was quickly and expertly answered. The overall experience was fast and easier than we thought it could be !Trustindex verifies that the original source of the review is Google. EstaR Mortgage has been amazing at guiding my fiance and I through buying our first home together! Both Chris and Andrea are a wealth of knowledge, got us a great loan, and shared their knowledge with us, which has been invaluable to us. Cannot recommend these guys enough!Trustindex verifies that the original source of the review is Google. Updating this post since we continue to work with Chris Freck/ EstaR mortgage and I highly recommend this lender. They are our go-to mortgage lender! We have worked directly with Chris Freck and Nora Gutierrez at EstaR on several mortgage refinances and a new loan. I wasn’t sure our refi could be done but Chris and Nora went the extra mile to sort out our “jigsaw puzzle” finances and get our loan completed. Chris is extremely thorough, knowledgeable and clearly explained our options, and he accommodated our busy work schedules. Chris and Nora are both dedicated professionals, very easy to work with, efficient, and care about the client. Thank you for your stellar customer service!Trustindex verifies that the original source of the review is Google. I would give 10 stars if I could! This is the BEST mortgage lender and I have worked with Chirs and his team for about 8 years. Exceptional service, efficient and very customized service for our complex portfolio. Highly recommend!Trustindex verifies that the original source of the review is Google. Chris was incredibly helpful in guiding us through the process of financing our first home. He was very responsive and offered us rates better than any competitors.Trustindex verifies that the original source of the review is Google. When I shared with my financial advisor that my family was thinking of moving and buying a new house, he recommended that I get in touch with the same mortgage broker that he had used when he bought his house because he had such a positive experience. I am tremendously grateful for that advice because Chris Freck and his team at EstaR turned out to be consummate professionals, helping us through every step of the process. Chris went above and beyond what you might reasonably expect from a broker, interacting with our realtor and the escrow team as needed, guiding us through the arcane ins-and-outs of financial regulations and lending institutions, and advising us on matters that were unique to our situation. He was always willing to get on the phone to explain things that were confusing to us and to quickly answer as many email questions as we sent his way. EstaR gets my highest recommendation. If I could hack this program to give them ten stars, I would!Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Why Clients Trust EstaR Mortgage?
Expert Guidance, Zero Pressure
Our mortgage advisors are trained to educate—not upsell. We explain every step in plain language and help you make informed choices.
Local Knowledge
We specialize in mortgages across California, Washington, Oregon, and Hawaii. That means we understand the unique housing markets, state-specific loan programs, and local tax implications that can affect your bottom line.
Technology + Human Touch
Apply online anytime or work one-on-one with a mortgage expert. We combine advanced mortgage tools with responsive support, so you stay in control.
Let’s Get in touch
Use the form below to reach out to us. We’ll get back to you as soon as possible.
Ready to unlock your dream home?
Contact EstaR Mortgage at 510-463-1003 for expert mortgage solutions tailored to your needs!