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HP Welcome Area

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

First time Home Owners

Our team will help you throughout the loan process of buying your new home. We are here to guide you and help you choose the right option for you and your family.

Repeat Home Buyer

We will help you on your new journey of buying your next home. Whether it be upgrading your primary residence, a vacation home or investment, our loan programs will help you achieve your new life goals.


Refinancing your mortgage can lower your monthly payments, allow for cash out for home improvements, consolidate other debts, and result in savings that can offer peace of mind and room for other life adventures.

**As a result of refinancing, your total finance charges may be higher over the life of the loan**
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HP Testimonials Area

What Our Clients Say

“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 ...”

Stephanie T.

“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....”

Jerome P.

“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 ...”

Jonelle L.

“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...”

Benjamin N.

“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.”

Meghan B.

“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.”

Brandon C.

“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.”

Selena A.

HP Blog Area

Latest News

Tips for First-Time Homebuyers

Most homebuyers start the process anxious, excited, nervous, and some are downright terrified. It’s natural. A home is the largest and most expensive purchase that...

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Signs that Now is the Time to Sell Your Home

There are many reasons why it may be time to sell your home. You may need more space to make room for a growing family...

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Remodeling Projects That Will Boost Your Home’s Value

There are two ways to think about remodeling projects that will boost your home’s value; you can get one or two major remodels done or...

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