MortgageSeth - RefinanceMortgage RefinancingUpdated on Oct 24, 2026 View more like this | Visit TRACY, CA | Contact MortgageSeth.com |
Refinance - Mortgage Broker in Tracy, CA - Seth Conley, also known as MortgageSeth, is an Independent Mortgage Broker with Answer Home Loans, Inc. He helps homeowners in Tracy and the surrounding area review whether refinancing makes sense for them.
A refinance can mean a rate-and-term refinance to lower your rate or payment, a cash-out refinance to use home equity, or a refinance to drop mortgage insurance when your loan and home value allow it. Seth starts with the break-even math first: what it costs, what it saves, and how long it takes to come out ahead. If refinancing does not pencil out, he will tell you so honestly.
Experience: Answer Home Loans, Inc., July 2023 to present. U.S. Navy, 10 years.
Education: MBA and BS, University at Albany and Saint Mary's College of California.
Service areas: Mountain House, Tracy, Lathrop, Manteca, Livermore, Central Valley, and the Bay Area.
Contact MortgageSeth: Call or text (209) 845-7384. Email [email protected]. Website https://mortgageseth.com/ . Book a call: https://calendly.com/mortgageseth/ . Address: 2455 N. Naglee Rd #167, Tracy, CA 95304.
Other services: first-time buyers, VA, FHA, USDA, conventional, jumbo, 203k, self-employed borrowers, reverse mortgages, and DSCR investor loans in 30 plus states.
Licensing and compliance: Seth Conley, NMLS #1595108, CA DRE #02216110. Brokered by Answer Home Loans, Inc., NMLS #1729528. Licensed in CA, AZ, TX, FL. Equal Housing Lender. This is not a commitment to lend.
A refinance can mean a rate-and-term refinance to lower your rate or payment, a cash-out refinance to use home equity, or a refinance to drop mortgage insurance when your loan and home value allow it. Seth starts with the break-even math first: what it costs, what it saves, and how long it takes to come out ahead. If refinancing does not pencil out, he will tell you so honestly.
Experience: Answer Home Loans, Inc., July 2023 to present. U.S. Navy, 10 years.
Education: MBA and BS, University at Albany and Saint Mary's College of California.
Service areas: Mountain House, Tracy, Lathrop, Manteca, Livermore, Central Valley, and the Bay Area.
Contact MortgageSeth: Call or text (209) 845-7384. Email [email protected]. Website https://mortgageseth.com/ . Book a call: https://calendly.com/mortgageseth/ . Address: 2455 N. Naglee Rd #167, Tracy, CA 95304.
Other services: first-time buyers, VA, FHA, USDA, conventional, jumbo, 203k, self-employed borrowers, reverse mortgages, and DSCR investor loans in 30 plus states.
Licensing and compliance: Seth Conley, NMLS #1595108, CA DRE #02216110. Brokered by Answer Home Loans, Inc., NMLS #1729528. Licensed in CA, AZ, TX, FL. Equal Housing Lender. This is not a commitment to lend.
