Steven Shearrill - LPT Realty and MLO Patriot Pacific

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United States
Temecula, CA
Steven Shearrill - LPT Realty and MLO Patriot Pacific

Real Estate Expert specializing in the local San Diego and surrounding areas of Temecula, California area. Equal Housing Opportunity

REAL ESTATE BROKER: I am a self-motivated, conscientious Navy Veteran and real estate agent with a strong work ethic; my underlying philosophy of "service first" means that my clients' needs are paramount. I specialize in the Temecula and San Diego areas, working diligently to understand each client's goals and to always exemplify professionalism, trust, transparency, and integrity. With my servic

es, I offer unparalleled value to my clients and a willingness to go above and beyond what most agents provide. I work closely with buyers, sellers and investors to educate and inform them at every step of a transaction, while advocating on my client’s behalf through skillful negotiation, giving my clients the best deal possible. I help people to buy and sell homes while keeping in mind both their immediate and long-term goals. My reputation for honest communication and active listening has made me a trusted advisor in this industry.
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MORTGAGE BROKER: As an experienced Mortgage Loan Broker with access to over 55 lenders, I am dedicated to helping clients secure the best financing solutions for their homeownership goals. My extensive network allows me to offer a diverse range of loan options, ensuring that each borrower finds the perfect fit for their unique financial situation. With a client-centric approach, I prioritize clear communication and personalized service, guiding clients through every step of the mortgage process. Whether you're a first-time homebuyer, looking to refinance, or seeking investment opportunities, I am here to provide expert advice and support, making your mortgage journey smooth and successful. Let's connect and turn your homeownership dreams into reality!

03/12/2026

🏡 **Big News — I'm Officially Licensed in Illinois!** 🎉

I am beyond excited to announce that I am now licensed to offer mortgage loan services right here in my home state of Illinois! As a proud Navy veteran, giving back to my community is at the heart of everything I do, and now I can serve even MORE people across the country.

What Makes Me Different?

Unlike a traditional loan officer who may be limited to just one or two lenders, I have access to over 55 different lenders, which means more options, better rates, and solutions tailored to YOUR unique financial situation. If one lender says "no," I have 54 more that might say YES!

Loan Products I Offer:

Whether you're a first-time homebuyer, a seasoned investor, or someone who doesn't fit the "traditional" lending box — I've got you covered:

🔹 **Conventional Loans** — Competitive rates for qualified buyers
🔹 **FHA Loans** — Flexible qualifications for first-time buyers
🔹 **VA Loans** — Serving those who served our country 🇺🇸
🔹 **Down Payment Assistance** — Programs to help you get into your home sooner
🔹 **HELOC (Home Equity Line of Credit)** — Tap into your home's equity
🔹 **Home Equity Loans** — Put your investment to work for you
🔹 **Reverse Mortgages** — Financial flexibility for eligible homeowners
🔹 **DSCR Loans** — Ideal for real estate investors
🔹 **1099 Loans** — Built for the self-employed
🔹 **Bank Statement Loans** — No traditional income docs? No problem
🔹 **Land Loans** — Ready to build from the ground up?
🔹 And **so much more!**

Why This Matters

Not everyone fits into a cookie-cutter lending mold. I believe everyone deserves access to the right loan product for their needs. With both traditional and non-conforming loan products at my fingertips, I'm here to find YOUR solution.

If you or someone you know is looking to **buy, refinance, or invest** — let's connect! 💪🏠

Steven Shearrill | Navy Veteran🇺🇸
📞 619.368.7141
📧 [email protected]
🌐 www.StevenS10k.com
NMLS # 2449246 | DRE # 01988316
Patriot Pacific Financial Corp NMLS # 1921615 | DRE # 02103516
🏠 Equal Housing Opportunity

Proudly Serving:AL, AR, AZ, CA, CO, DC, FL, ID, IL, IN, LA, MD, MI, NM, MT, NC, OH, OK, PA, SC, SD, TN, TX, VA, WA, WV

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02/20/2026

The First Step When Applying for a VA Loan 🎖️
Ready to use your VA home loan benefit? Here's where to START:
Step 1: Get Your Certificate of Eligibility (COE) 📜
This proves you're eligible for a VA loan!
What it shows:
• Your military service meets VA requirements
• How much entitlement you have available
• Whether you can use the benefit again
How to get it: ✅ Online at eBenefits (fastest - takes minutes!) ✅ Through your lender (they can pull it for you) ✅ Mail Form 26-1880 to the VA
You'll need: DD-214, discharge papers, or statement of service
Step 2: Get Pre-Approved (Not Just Pre-Qualified!) 💪
Before you start house hunting, connect with a VA loan expert They'll:
• Assess your financial situation Determine what you qualify for
• Give you a pre-approval letter that makes your offers stronger
• Guide you through the entire process from COE to closing
Why this matters: Sellers take you seriously when you're pre-approved. In competitive markets, it's often the difference between getting the house or losing it!
Step 3: Start Shopping with Confidence! 🏡
Now you know your budget and have your COE - time to find your dream home!
Pro Tip: Get your COE and pre-approval BEFORE you fall in love with a house. This way you're ready to move fast when you find the one! ⚡

Why Work With Me?
Navy Veteran | Trusted Loan Officer | Nationwide Network
Get:
🎯 FREE 1:1 Strategy Session (limited spots!)
🎯 Access to VA loan experts nationwide
🎯 My app for seamless home-buying
📲 Book your FREE session:
https://app.valoaneducator.tv/stevenshearrill-2449246
💬 Comment "VA LOAN" or DM to reserve your spot!

Realtors: Join LPT Realty!
✅ 100% commission OR revenue share + stock
✅ No franchise/tech fees | Marketing support
🔗 https://stevenshearrill.lpt.com

Steven Shearrill | Navy Veteran
📞 619.368.7141 | 📧 [email protected]
🌐 www.StevenS10k.com
NMLS # 2449246 | DRE #01988316
Patriot Pacific Financial Corp NMLS #1921615 | DRE #02103516
Equal Housing Opportunity
Serving: AL, AR, AZ, CA, CO, DC, FL, ID,IL, IN, LA, MD, MI, NM, MT, NC, OH, OK, PA, SC, SD, TN, TX, VA, WA, WV

02/13/2026

🩺🏥 Medical Professionals Home Loan — Built for YOU
You didn't take the easy path. Your home loan shouldn't punish you for it.
Doctors, nurses, pharmacists, CRNAs, veterinarians, residents, fellows, and advanced practitioners—you've dedicated years to serving your communities. But when it's time to buy a home? Traditional lending makes it harder than it should be.
❌ Student loan debt holding you back ❌ Non-traditional income during training ❌ Outdated rules that don't fit your career ❌ Unnecessary red tape slowing you down
I get it. That's why I offer a Medical Professionals Home Loan designed around YOUR reality.
✅ Up to 100% financing — $0 down payment options ✅ Student loans won't disqualify you ✅ Future earning potential counts ✅ Flexible qualification for non-traditional income ✅ Smoother process, fewer headaches
Whether you're finishing residency or running your own practice, I'm here to help you build a place to call home. 🏡
You take care of your patients. Let me take care of this. 🤍
📩 DM me or comment below — let's chat about your homeownership goals!

Why Work With Me?
Navy Veteran | Trusted Loan Officer | Nationwide Network
Steven Shearrill | Navy Veteran
619.368.7141 | [email protected]
www.StevenS10k.com
NMLS # 2449246 | DRE #01988316
Patriot Pacific Financial Corp NMLS #1921615 | DRE #02103516
Equal Housing Opportunity
Serving: AL, AZ, CA, CO, DC, FL, ID,IL, IN, LA, MD, MI, NM, MT, NC, OH, OK, PA, SC, SD, TN, TX, VA, WA, WV

01/24/2026

Why Debt Ratio "Means Nothing" on a VA Loan 🤯
Okay, it doesn't mean NOTHING... but it's WAY more flexible than you think!
Here's the Truth About DTI on VA Loans:
Most loans: Strict DTI caps at 36-43%
VA Loans: Recommended at 41%, but can go up to 61% with compensating factors!
Why VA Loans Are Different:
🎖️ No Hard Cap - The VA doesn't set a strict DTI limit like conventional loans
🎖️ Lender Flexibility - Each lender determines what they're comfortable with
🎖️ Residual Income Focus - VA looks at what's LEFT OVER after bills, not just the ratio
🎖️ Compensating Factors - Strong credit, cash reserves, or stable income can override high DTI
What This Means for You:
Got told "no" because your DTI is 50%?
❌ Conventional loan = probably rejected
✅ VA loan = still possible with the right lender!
The VA understands military life is different:
• BAH and allowances boost income
• Strong payment history matters more
• Job stability (military service) counts
Bottom Line: Don't let a high DTI scare you away from your VA loan benefit. The VA designed this flexibility specifically for service members!

Why Work With Me?
Navy Veteran | Trusted Loan Officer | Nationwide Network
Get:
🎯 FREE 1:1 Strategy Session (limited spots!)
🎯 Access to VA loan experts nationwide
🎯 My app for seamless home-buying
📲 Book your FREE session:
https://app.valoaneducator.tv/stevenshearrill-2449246
💬 Comment "VA LOAN" or DM to reserve your spot!

Realtors: Join LPT Realty!
✅ 100% commission OR revenue share + stock
✅ No franchise/tech fees | Marketing support
🔗 https://stevenshearrill.lpt.com

Steven Shearrill | Navy Veteran
📞 619.368.7141 | 📧 [email protected]
🌐 www.StevenS10k.com
NMLS # 2449246 | DRE #01988316
Patriot Pacific Financial Corp NMLS #1921615 | DRE #02103516
Equal Housing Opportunity
Serving: AL, AZ, CA, CO, DC, FL, ID,IL, IN, LA, MD, MI, NM, NC, OH, OK, PA, SC, SD, TN, TX, VA, WA, WV

01/19/2026

Military House Hacking Secrets with a VA Loan 🚀💰
Want to live for FREE (or get paid to live somewhere)? This is THE secret weapon for building wealth in the military!
What Is House Hacking? 🏠
Buy a multi-unit property, live in one unit, rent out the others. Your tenants pay your mortgage!
Why VA Loans Are PERFECT for This:
✅ $0 down payment - No need for 20% like conventional investors
✅ Lower interest rates than investment loans
✅ Repeat at every duty station - PCS becomes your advantage!
✅ Buy up to 4-unit properties as "primary residence"
The Strategy 💡
Year 1-2: Buy a duplex/triplex/fourplex with VA loan → Live in one unit → Rent the others
After PCS: Keep it as rental property → Use VA loan again at new duty station → Repeat!
Result: Build a rental portfolio while you serve. By the time you retire, you could own 4-6 properties with tenants paying YOUR mortgages!
Pro Example:
Buy a fourplex for $400K:
Live in Unit 1 (FREE!)
Rent Units 2-4 at $1,200/each = $3,600/month
Your mortgage = ~$2,500
You PROFIT $1,100/month while living there!
The Catch: You must occupy the property as your primary residence initially. But after PCS, it becomes a rental!This is how Veterans retire early and build generational wealth.** 🎖️

Why Work With Me?
Navy Veteran | Trusted Loan Officer | Nationwide Network
Get:
🎯 FREE 1:1 Strategy Session (limited spots!)
🎯 Access to VA loan experts nationwide
🎯 My app for seamless home-buying
📲 Book your FREE session:
https://app.valoaneducator.tv/stevenshearrill-2449246
💬 Comment "VA LOAN" or DM to reserve your spot!

Realtors: Join LPT Realty!
✅ 100% commission OR revenue share + stock
✅ No franchise/tech fees | Marketing support
🔗 https://stevenshearrill.lpt.com

Steven Shearrill | Navy Veteran
📞 619.368.7141 | 📧 [email protected]
🌐 www.StevenS10k.com
NMLS # 2449246 | DRE #01988316
Patriot Pacific Financial Corp NMLS #1921615 | DRE #02103516
Equal Housing Opportunity
Serving: AL, AZ, CA, CO, DC, FL, ID,IL, IN, LA, MD, MI, NM, NC, OH, OK, PA, SC, SD, TN, TX, VA, WA, WV

06/06/2025

🎓✨ **THIS IS IT!** ✨🎓

After earning my MBA, I swore I was done with school 🛑📚. I told myself, “No more late nights, no more pushing myself to the limit!” 😅 But after taking a few months to decompress and recharge 🧘‍♀️☀️, I’ve decided to saddle up for one last ride🐎 and pursue my final degree at none other than USC! ❤️💛

I’m thrilled to announce that I was accepted to USCs Master’s in Project Management program, a Top 25 University🏆 and joining the ranks of a prestigious alumni network✌️✌️.

THIS IS IT! This time—I mean it! 😅✋

Let’s go, Trojans! 🐴✌️

02/01/2025

🚀 Get Ready for a Game-Changer in VA Home Loan Education! 🚀
Say goodbye to endless phone calls, anonymous questions, and those relentless internet searches! 🔍 This is your revolutionary solution to learn everything you need about VA Home Loans—no strings attached and absolutely FREE! 🙌
✨ Just download the app and instantly unlock access to 52 powerful educational videos covering every aspect of the VA Loan process! 🎥 Plus, if you ever have additional questions or need assistance, I’m just a message away and ready to help! 🤝
Here’s What’s at Your Fingertips:
🏡 Mortgage Calculator: Plan your budget effortlessly!
🛠️ Homebuyer Tools: Empower your buying journey!
🌍 Community Data: Know your area like a pro!
💰 Tax Exemptions: Save more with knowledge!
✅ Approved Condo List: “One that actually works!”
📲 No matter where you are in the world, all this info is easily accessible! Click the link in the comments or scan the QR code now!
💪 This is our time, Veterans! No more education tied to solicitation. Veterans deserve better!
🔑 Who you work with matters!
Download now and take control of your VA Home Loan journey! 💥
Steven Shearrill
Loan Officer/Navy Veteran
619.368.7141
[email protected]
www.StevenS10k.com
NMLS # 2449246 DRE #01988316
Patriot Pacific Financial Corp NMLS #1921615 | DRE #02103516
Serving:🇺🇸 Alabama, Arizona, California, Colorado, Florida, Idaho, Louisiana, Maryland, Michigan, North Carolina, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington.
https://app.valoaneducator.tv/stevenshearrill-2449246 Here’s a copy of the down load link!!!

08/26/2024

🌟 Exciting News from Your Trusted Veteran Mortgage Advisor! 🌟
Three years ago, I completed the Veteran Mortgage Advisor certification, and today, I’m thrilled to announce that I’ve just completed the Patriot Pacific Veteran Advisor certification! 🎖️ This training keeps me at the forefront of the latest changes in VA loans, allowing me to learn from the best in the industry and better advocate for my clients and to yield more favorable outcomes for my clients that are often misinterpreted by competitors, resulting in not maximizing the VA loan for the service member/veterans. Serving:🇺🇸 Alabama, Arizona, California, Colorado, Florida, Idaho, Louisiana, Maryland, Michigan, North Carolina, Ohio, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington.
🏡✨ Looking for a realtor? Look no further! 🌟
I can connect you with a vetted realtor in your area through my exclusive network of approved realtors across all 50 states! 🇺🇸 You’ll receive exceptional service from trusted professionals who know your local market inside and out.
Steven Shearrill
Loan Officer
619.368.7141
[email protected]
www.StevenS10k.com
NMLS # 2449246 DRE #01988316
Patriot Pacific Financial Corp NMLS #1921615 | DRE #02103516
✨ 🔥

08/22/2024

🌟 VA Loan Jeopardy continues! 🌟 Who knows the answer to the question? Is it possible to have more than one VA loan out at the same time? Drop your answers below! 💬
Steven Shearrill
619.368.7141
[email protected]
www.StevenS10k.com
NMLS # 2449246 DRE #01988316
Patriot Pacific Financial Corp NMLS #1921615 | DRE #02103516

08/21/2024

🌟 Let’s play some VA Loan Jeopardy! 🌟 Who knows the answer to the question? What is the maximum limit on a VA loan for someone with full entitlement? Drop your answers below! 💬 Steven Shearrill
619.368.7141
[email protected]
www.StevenS10k.com
NMLS # 2449246 DRE #01988316
Patriot Pacific Financial Corp NMLS #1921615 | DRE #02103516

08/20/2024

🌟 Let’s play some VA Loan Jeopardy! 🌟 Who knows the answer to the question? 🤔 What is the minimum credit score required for a VA loan? Drop your answers in the comments! 💬 Steven Shearrill
619.368.7141
[email protected]
www.StevenS10k.com
NMLS # 2449246 DRE #01988316
Patriot Pacific Financial Corp NMLS #1921615 | DRE #02103516

08/06/2024

Escrow Closed EARLY! Happy for my seller and his family, who are able to move forward with new adventures in a new state and new home.
Steven Shearrill
EXP Realty
Broker
DRE 01988316
619-368-7141
Stevens10k.com
#

Address

Https://m. Youtube. Com/watch?v=M5m3c9BZyZo
Temecula, CA
92591

Telephone

+16193687141

Website

https://www.mytemecularealestateconcierge.com/ DRE 01988316 NMLS 2449246

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Our Story

I am a self-motivated, conscientious Navy Veteran and real estate agent with a strong work ethic; my underlying philosophy of "service first" means that my clients' needs are paramount. I specialize in the Temecula and San Diego areas, working diligently to understand each client's goals and to always exemplify professionalism, trust, transparency, and integrity. With my services, I offer unparalleled value to my clients and a willingness to go above and beyond what most agents provide. I work closely with buyers, sellers and investors to educate and inform them at every step of a transaction, while advocating on my client’s behalf through skillful negotiation, giving my clients the best deal possible. I help people to buy and sell homes while keeping in mind both their immediate and long-term goals. My reputation for honest communication and active listening has made me a trusted advisor in this industry. As a dedicated, personable, and approachable real estate agent, I give clients highly personalized attention working around client’s schedules to better assist them. I am also able to help those relocating in all 50 states to find an experienced real estate professional through my extensive network of seasoned agents nationwide. I deliver to my clients the American Express level of customer service backed by 16 years of military work ethic each and every day. I am a proud member of VAREP, helping to educate Veterans on their VA benefits, and making homeownership a possibility for Veterans, as well as non-veterans with low down payment assistance programs. I am your Temecula Real Estate Concierge, here to make your real estate experience smooth, fast and positive! For a list of available homes in the Temecula area, and to receive a FREE Market Report click here. https://myre.io/0vfhgwZI8UOC1