Steve Sofka
Mortgage Loan Originator


City First Mortgage
(714) 414-6307steve.sofka@city1st.comWhat’s It Like
Working With Me?
I offer personalized, transparent service and tailored solutions for a smooth, stress-free home financing experience.
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For over 40 years, Steve Sofka has been helping make the dream of home ownership and financial security come true for countless borrowers. His many talents and skills are always trained on better serving the wants and needs of homeowners (current and prospective), military borrowers, and our nation's seniors.
Steve’s experience includes a history of personal loan origination and management of branch offices and regional territories for some of the industry’s most respected banks and mortgage companies. Steve has had active involvement in numerous real estate boards and industry organizations, including having served on the Board of Directors for the Mortgage Bankers Association of Orange County.
Steve’s breadth of experience, coupled with his mindset of seeing each transaction “through the eyes of the client”, provides him with a unique ability to assist clients by keeping a laser focus on their individual goals and objectives. Whether calmly guiding anxious buyers through a home purchase or collaborating with “seasoned” clients by analyzing and evaluating the choices and benefits of numerous mortgage options including Reverse Mortgages to accomplish their optimum financial goals, Steve possesses the skills to handle virtually any situation proficiently and professionally. Additionally, as the proud father of a Lieutenant in the US Army Reserves, Steve's extensive background working with Active and Retired members of our Armed Forces makes him a very knowledgeable source for military and VA lending.
At the core of his personal business philosophy is a passion that stems from the personal gratification he gets from helping his clients achieve and maintain their dreams of home ownership and enhanced financial security. Steve’s performance is driven by total professionalism, honesty, and integrity and providing a customer experience designed to expand his business through complete client satisfaction. You can count on the fact that even though you won’t be Steve’s only client, he’s simply always going to treat you that way!
4 Easy Steps.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. This is a simple process designed to help you get started quickly and securely. Simply click the button below to begin your application and experience a smooth, digital-first workflow.
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Application
Approval
Verification
Closing
How to Get Approved
Pre-approval
Get a head start by securing your pre-approval. This step helps you understand how much you can borrow, giving you a clear picture of your budget and boosting your confidence when house hunting.


Find Your Home
Now that you know your budget, it’s time to find the perfect home! Your real estate agent and our team will work together to ensure your dream home is within reach.
Submit Your Loan Application
Once you’ve found the home, the next step is submitting your official loan application. We’ll guide you through providing all the necessary documentation to make this process as smooth as possible.


Underwriting
During underwriting, we carefully review your financial information and the property details. This ensures everything meets the required guidelines. Our team will keep you updated throughout the process.
More About Us
Our Vision
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Our Culture
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Our Values
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Loan Programs to Fit
all Homeownership Dreams

Government-backed with lower down payments, helping more buyers qualify for a home.
FHA Loan
Low down payment. Easier approval.

First-time buyers have access to programs combining low down payments, reduced mortgage insurance, and state and local down payment assistance.
First-Time Homebuyer Programs
Down payment assistance and low-down-payment options for new buyers

Provides funding to build a new home, covering costs from start to finish.
Construction Loans
Build new. Full funding.

Refinancing replaces your existing mortgage with a new loan to lower your rate, shorten your term, switch loan type, or extract cash from your equity.
Refinance
Lower your rate, change your term, or tap equity

Turns home equity into cash, designed for seniors with no monthly payments.
Reverse Mortgage
Convert equity. No payments.

Designed for rental homes, making it easier to purchase or refinance investments.
Investment Property Loan
Rental purchase. Refinance options.

Covers higher-priced homes that exceed conventional loan limits with flexible options.
Jumbo Loans
Large loans. Higher limits.

Finances home improvements, allowing repairs and upgrades within your mortgage.
Renovation Loan
Finance upgrades. Simple process.

Follows standard guidelines, designed for qualified borrowers with flexible terms.
Conventional Loans
Popular option. Flexible terms.

Starts with a lower rate that adjusts over time with market conditions.
Adjustable Rate Mortgage
Flexible rates. Potential savings.

Access home equity through a revolving line of credit with flexible use.
Home Equity Line of Credit (HELOC)
Access equity. Revolving credit.

Financing for a vacation home or getaway, with flexible options available.
Second Home Loan
Vacation home. Flexible options.

Zero down payment option available to eligible buyers in rural and suburban areas.
USDA Loan
Zero down. Rural homes.

A stable interest rate with predictable payments over the life of the mortgage.
Fixed Rate Mortgage
Consistent rate. Predictable payments.

Exclusive to veterans and military members, offering no down payment and flexible qualification.
VA Loan
Veteran benefit. No down payment.