3635 Newton St. Ste E Torrance, CA 90505


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.

Los Angeles, CA

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.

Los Angeles, CA

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.

Torrance, CA

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.

Pasadena, CA

Steve and his team were prompt, professional, and honest. It was a pleasure working with Midgate Mortgage, they made the process of buying a home so much easier! I would recommend them to anyone, especially if you do not know where to start with the home loan process.
Cristina H.


Steve at Midgate Mortgage was amazing!!!! There were no question that was not answered and trusted me I had a lot of questions!!!!!. The previous owners of the property that I purchased were VERY Difficult to work with, but Steve was a trooper and he really hung in there… Steve is a pro at this and I wouldn’t hesitate to recommend him…..!!!!!

Thanks, Steve I’m a homeowner once again….

Veda J.

Paramount, CA

Steve and the staff at Midgate Mortgage are amazing!

Their communication was stellar throughout the entire process. Steve and his staff were professional, knowledgeable, and always willing to speak to me, regardless of how many times I had asked the same question, I had no question go unanswered and felt 100% comfortable with their handling of my mortgage.

Buying a house is an extremely stressful process and I can say without a doubt, that having Midgate on my side made the whole process much more bearable.

Thank you Steve!

Raffi A.

Porter Ranch, CA

Steve was the mortgage broker for my primary residence. I can’t even tell you how easy the whole process was. After submitting papers a few weeks went by and before I knew it, we were ready to close. Steve is a pro and I wouldn’t hesitate to recommend him and his staff.
Michelle M.

Leona Valley, CA

Steve, Mike, and Jon are wonderful, they will have your back throughout the loan process and make sure you are taken care of from start to finish. They are the best!! Give them a call you won’t regret it!
Vanessa A.

Glendale, CA

Once again, we had a good experience working with Midgate for our home loan. Steve has a great personality and made the process easy. We got the loan we were qualified for in a timely manner.
Sonia K.

Los Angeles, CA

Midgate processed my moderately complex re-finance quickly with minimum effort on my part. I was very pleased they proactively contacted the various parties necessary for a smooth closing. Thank you Midgate!
Tim C.

Torrance, CA

First to Review
Steve at Midgate Mortgage hooked it up! He got us a mortgage with an awesome rate with no hassle. The guy had great advice and was easy to contact via email.

It was easier to get a mortgage over the phone and internet with Steve than it would have been sitting down at the local Wells Fargo branch.

Chris P.

Davis, CA

if I could give steve chelebian 10 stars, I would! (i was actually shocked to see reviews less than 5…SCROLL DOWN TO THE ’21 REVIEWS NOT RECOMMENDED’ to see reviews similar to mine!)

Steve handled the financing on my aunt’s house, and it couldn’t have been any easier, more seamless experience. with all the changes and complexities involved in mortgages these days, having someone be as patient, informative, AND honest as steve was so comforting and such a breath of fresh air. PLUS, it was quite obvious he did everything possible to get her the best deal. I would recommend Steve to anyone.

Beth B.

Torrance, Los Angeles, CA

Midgate Mortgage is the best! Steve and Victoria were awesome to work with. The whole loan process was smooth and easy. They never kept me in the dark, they kept me up to date on the status of my refi and I couldn’t have been happier with the service they provided. Steve and Victoria, were always easy to get a hold of if I had any questions. I would honestly use them again. I would recommend them to my family and friends, or anyone looking for an amazing company to get the job done !!
Vickie F.

Torrance, CA

We are hopeful that we will get a house through Midgate mortgage. We have been working with them for over a year while on the house hunt. We have come close a couple of times but I have hope that the house we find will be ours thru the help of M. M.
Alma A.

Los Angeles, CA

I was referred by a co-worker to see Steve at Midgate. Since this was going to be my first investment property, I was nervous, to say the least. But Steve made the experience enjoyable and easy. He explained the entire process and made sure that it was understood by me. If I would have know it was this easy, I might have considered getting my investment many years ago.

BTW, I put off writing this review for over a year. I know, we all say we’ll get around to it, but then things keep coming up and we put it off. But I guess the saying goes, better late than never. I kind of feel guilty now that I’m reviewing this so late because my experience was top-notch. Kudos to Steve and Midgate Mortgage. I’ll definitely recommend him to my friends.

Dave F.

San Pedro, CA

Steve and his staff went above and beyond to make refinancing my home as stress-free as possible. They communicated with me every step of the way and patiently explained all aspects related to getting my loan. Steve took the time to find the best loan for my personal needs. Going to the office was like being welcomed into a friend’s home!
Denise G.

Gardena, CA

We were so happy with Steve and Midgate Mortage. He helped us out during a very trying time. He had lots of information, advice, and patience with us. We would defiantly recommend him to our friends
Ingrid P.

San Pedro, CA

Steve was incredible. He took our application and waited for the targeted rate and grabbed the lowest rate in 50 years in a 2-hour time frame. Every step of the way he was supportive. We give him an A+.
John F.

Torrance, CA

We had a 10-year history with another mortgage broker but decided to switch after a bump in the customer service road. I took a look at several brokers in the area and decided to go with Steve based on word of mouth and the reviews here. Since then, we’ve done two separate refinancings with Steve. Both times, his professionalism, communication, and customer service were fantastic. He’s very good about answering questions either on the phone or via email. He generally responds to email within the hour, which is really helpful considering how volatile rates have gotten recently. Steve’s upfront about what he can do and can’t do when it comes to a deal and doesn’t try to over-or hard sell. He knows his stuff and is very efficient about working up and closing transactions. Will continue to rely on Steve and his staff and have recommended him to several of my friends.
Steve O.

Rancho Palos Verdes, CA