About us.

We are a team of seasoned and dedicated mortgage professionals who are leaders the Mortgage Loan industry. We know all there is to know about mortgages and work with more than 100 investors to get you the best rate on your home loan. More importantly, we care about our customers and will be detailed throughout every step of the loan process! It’s what we do best!

loan officers

How we came to be.

Established in 2001.

Equity Smart was created to make home loans accessible to working people. We care for our customers and take time to understand your circumstances so you can buy that home you love and feel confident doing it. With our large network of investors, we are able to get you a loan that fits your needs, with a rate that fits your budget. We have over 15 years of experience in closing all types of loans ranging from VA and FHA to traditional 30 year mortgages. We know loans so you don’t have to, but if you ask we’d love to geek out and tell you all about the process 🙂 Since our beginnings we have grown but still hold our customers as first priority; we are with you every step of the way! We take pride in our integrity, knowledge, and tireless effort to go the extra mile for you. We want to be your mortgage broker for life!

Meet the CEO

Pablo Martinez
CEO / Owner

My career in the mortgage lending business began in 1998 shortly after graduating from UC Santa Barbara. I started my own brokerage company, EquitySmart Home Loans. The last 17 years working in the mortgage business has made me well versed in all mortgage loans including government backed programs. I have vast knowledge in the always changing lending market and experience in automated desktop underwriting systems which provide for higher accuracy on loan approvals.

I am a proud member of the Southern California Real Estate Research Council and also a licensed broker from the California Dept. of Real Estate (Lic#01377927). I want to continue reaching out and assisting borrowers in making the right choices when it comes to home loans and making sure that they are on the right track.  I take pride in nourishing mutually beneficial long-term business relationships.

About Us.... but by Our Clients.

Melissa M.
San Fernando, CA 8/12/2020
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Steve Kim and his team to the rescue! I closed on a Purchase loan with them recently, and it took less than 4weeks! This was after another broker took me around in circles and ended up denying my loan. Steve, thank you so much for all your experience and kindness in getting my family their first Home.
Allen B.
Los Angeles, CA 7/28/2020
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As a first time home buyer, me and my wife were very happy and thankful to work with Equity Smart Home Loans. Our main representative throughout the home buying process was Mr. Steve Kim. Steve was professional, friendly, and accommodating to me and my wife. He was very knowledgeable in his field and patient in explaining the process to us whenever we had questions. Since everything was new to us, we wanted to make sure we fully understood the process and what we needed to do to satisfy the requirements for buying a home. Steve made sure he was available at any time (literally) if we ever had any questions, which we greatly appreciate. He understands how critical every step of the home buying process is and he's willing to explain and guide you to make sure it's a clean and smooth home buying experience. We would definitely recommend Steve Kim and his team in Equity Smart Home Loans! Thank you for your excellent service Steve!
Hilda L.
Los Angeles, CA 6/1/2020
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I started a new chapter in my life two years ago, my first concern was finding a safe and wonderful place to move into with my two daughters . At the beginning, going through the process was scary, especially when I was denied by big banks such as Bank of America and Wells Fargo. Calling Pablo from Equity Smart Home Loans was a relief because for the first time since starting the process I heard the reassuring words, "No worries, you'll get your house, trust me I have more than 20 years of experience and you are with the right people." Well, not only was I fortunate enough to buy my house at a 4.75% interest rate for 30 years but Pablo continues to send financial updates. Pablo and his team also made it possible to refinance my house after a year, getting a 3.99% interest rate for 20 years. Not only that but a few days later due to the ongoing pandemic I was able to get 2.69% interest rate for 15 years fixed loan. Thank You Equity Smart Home Loans, Pablo Martinez and Gaby. Outstanding Team!


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