Frank Stiebel
President & Broker
Meet Your Refinance Expert
"A mortgage shouldn't be a burden you carry for 30 years—it should be a tool you manage to build wealth. My job is to find the loan that puts the most money back in your pocket, not the bank's."
Hello, I’m Frank Stiebel. As the founder of S.O.S. Loans, I have spent over three decades helping California homeowners navigate market shifts. I've seen rates at 18% and rates at 2%. Through every cycle, my goal remains the same: Get you the lowest cost of funds possible.
Unlike a retail bank loan officer who is restricted to one set of rates, I am a Wholesale Mortgage Broker. This means I work for you, shopping your loan across dozens of top-tier lenders (like United Wholesale Mortgage, Rocket Pro, and others) to force them to compete for your business.
Why Work With Me?
- No Junk Fees: I review every line of the Loan Estimate to eliminate unnecessary corporate markups.
- Speed & Certainty: We use cutting-edge tech to close loans in as little as 14 days, so you don't lose your rate lock.
- Honest Math: If refinancing doesn't make sense (e.g., the break-even period is too long), I will tell you to keep your current loan.