Welcome to Bear Flag Home Loans Your journey to a new home starts here with us

“I was working with another loan office on the purchase of my new home and the prices felt off. Per recommendation from my realtor, I reached out to Martin with Bear Flag Home Loans. Martin made the process so easy, he explained all the fees and kept ...”

“I was working with another lender and the communication was not there. I needed someone to explain to me the details so I knew what would be right for me and my family. I decided to go with a smaller and more intimate company. I’m so glad I did....”

“I was interested in purchasing a home. Not only do they have real estate agents that are great, but I was able to go through them for my home loan. It was a one-stop-shop and so convenient. They communicate and work together so well. It made the ...”

“They take your best interest at heart. I was looking to refinance due to the lower interest rates. I already had a pretty decent deal.. Martin looked at the numbers and advised me that it wasn’t worth getting more into debt with the home and I wo...”

“The online applications process was so smooth and frictionless. I can’t emphasize this enough! Pre-approval was quick and easy. The service so far has been 5 stars, hands-down. Great company.”

“It’s amazing how fast and great the service was. It is difficult to get in touch with a lender within the same hour as many people are refinancing during these times of low-interest rates. Martin Atencio was my representative, and he was excellent.”

“So smooth, everything is handled online with quick and easy PDF uploads. If you want to meet somewhere to handle things you can do that as well. They make sure to make it easy and convenient. I loved my experience.”