3635 Newton St. Ste E Torrance, CA 90505

Midgate Mortgage

Serving The South Bay Since 2001

  • Personalized Mortgage Solutions
  • Fast Customized Quotes
  • Great Rates For Buyers, Developers and Realtors
  • Service With Integrity

Don’t Know How Much Home You Can Afford?
Click Here To Calculate Your Mortgage

Founder Steve Chelebian

About Midgate Mortgage

Your Trusted Mortgage BROKER

From Founder Steve Chelebian:

With over 24 years of experience, Steve Chelebian is your best choice for a mortgage Broker in the South Bay. As founder of Midgate Mortgage and longtime South Bay resident, Steve’s no-nonsense business approach together with superior client responsiveness, elevates the lending experience to a higher standard. The Midgate Team is committed to providing first-class customer service, unique solutions to fit your needs, the best rates possible and an unwavering dedication to set your mind at ease. If you are in the market to purchase a home or refinance your current loan, make your first and only call to Steve at Midgate Mortgage.

How much home
can I afford?

Determine how much you can spend. Alternatively, seek out a loan officer for a quote.

It’s possible that your actual rate, payment, and fees will be higher. Before you choose a loan, get an official Loan Estimate.

Learn More

What’s the right
mortgage for me?

Find the right loan for you.
For all types of home finance conditions, we have a variety of lending choices. Check out our most popular programs to see if they’re right for you, or go through the remainder of our offers if you have more specific requirements.

Learn More

Property Types
To Choose From

In Real Estate there are various types of properties you can choose from, depending on your needs or investment goals. Learn about the different property types and the benefits of each, and start your ownership journey.

Learn More

First Time Home Buyer

For a first-time buyer, purchasing a home might be difficult. After all, there are a lot of processes, tasks, and regulations, and you don’t want to make a costly error. First-time homebuyers, on the other hand, benefit from several particular benefits designed to attract newcomers to the real estate market.

Being a First-Time Homebuyer Has Its Advantages Purchasing a home remains an important part of the American ideal. If you don’t have the standard minimum down payment—ideally, 20% of the purchase price for a conventional loan—or are a member of a specified group, you may be eligible for state programs, tax benefits, and federally backed loans as a first-time buyer. Even if you aren’t a rookie, you may qualify as a first-time buyer.

First Time Home Buyer

What Our Clients Say

While my bank was unable to offer or even willing to offer a competitive refinance rate during this covid19 disaster, we were happy Steve and Jonarae at midgate mortgage were. We were walked through clear steps to close a rate significantly lower than my bank. Thank you Steve and Jonarae!

Dr. Gerard D.

Steve and his team were very helpful and always there to answer any questions big or small. It was a very pleasant experience and I will definitely refer to friends and family! Thanks again!

Samantha` M.

I was looking for a new home and my broker referred me to Steve for my mortgage need. It’s a seller market and Steve promised me he can do a 30 days conventional loan and he did. He and his assistant Jonarae worked on my loan day after day and gave me the best advice on the loan rate that suits my situation and needs. I closed my home on day 30th.
Thank you, Steve and Jonarae !!

Michelle P.

Thanks, Steve for the awesome refinance rates on my primary home and my income units, I always shop around and your rates are better than other lenders. By the time I closed my loans, I was happily surprised that not only you saved me a lot of money on closing, but you also got me a better rate than promised. Jonarae was very persistent in meeting all the lender’s requirements, getting all the hard-to-get approvals from my employer and banks, and keeping me updated. I also recommended a friend and he got a better deal from you than another lender that was not able to close the deal. Thanks for all the hard work and your advice on different loan options.

Byron M.

Steve was extremely fast with this refinance! When my current lender (big bank) said it would take 90 days, he turned this around in 30. His staff was always available to answer questions, and he would respond quickly too whether by text, call, or email. Not only that, but he got us exactly what we wanted – rate/closing costs/etc. I was surprised at the ease and speed of this transaction, and I was heartened by the kindness and friendliness of the whole team.

Jennifer V.

Serving The South Bay
Since 2001

Best Business of 2022