• Pablo Martinez

    CEO & Broker

    (323) 258 4317

    My career in the mortgage lending business began in 1998, shortly after graduating from UC Santa Barbara. Afterwards I started my own brokerage company, Equity Smart Home Loans. The last fifteen years of paving the ground in the mortgage business has made an expert with many mortgage programs in the loan industry. using my experience, I have created a great team here at Equity Smart focused on one primary goal: Make buying a home attainable to any motivated (and responsible) borrower.

    I am proud to be a member of the Southern California Real Estate Research Council and also a licensed broker from the California Department of Real Estate (Lic#01377927). I take pride in assisting borrowers make good choices when it comes to buying their home. If you are looking to purchase a home, please contact me or one of my loan officers so we can help you qualify for a mortgage that is right for you. You won't be disappointed. 

  • Rick Sands


    (949) 630-1204

    Mr Sands is the President of Equity Smart Home Loans bringing over 27 years of experience in mortgage banking, portfolio and risk management, financial services, capital markets, sales leadership, real estate finance, asset management, residential and commercial development, architectural design, and mechanical engineering.

    Mr. Sands is the founder and President of Luxury Lending & Estates a private portfolio hardmoney lender established in 2000. He was previously a principal for Southwest Mortgage Group a Direct Lender were he managed the aquisition, financing, entitlement, development, and management of multi-family Investments.

    Formery he held executive positions at Investment firms in Newport Beach CA were hes closed over 20 loans per month for over 7 years in a row.

    Mr. Sands holds a B.S degree in architectural engineering from The University of California, Los Angeles.

  • Steve Kim


    I started my career in the mortgage finance industry in 2002 working for a big retail bank. After several years, I left when I saw how often the bank disqualified borrowers from getting a home loan because of strict guidelines. I believe that if you have a dream, then money should not be the obstacle that prevents you from reaching it. That is when I decided to work towards becoming a a mortgage broker. By being a broker, I have the flexibility I need to work with many different types of lenders and find the best loan programs for my clients. With my 14 years of experience, I know what lender guidelines borrowers need to fulfill and the best loan programs for my clients. Each customer has a loan scenario that is unique.  By finding the right lender, I am able to meet the specific needs of each of my clients. 

    I graduated from the University of California San Diego (UCSD) with a BA in Economics and Finance. I speak Korean and English. NMLS #357212

  • Fernando Sanchez

    Loan Officer

    I have been in the real estate industry since 2001 and received my real estate broker license 5 years after in 2006. Throughout my professional experience I have worked in several banking institutions. Utilizing these experiences, I know how best to meet my clients' needs. Over the years I have built a reliable network of professional relationships that help me ensure only the best outcome for my clients. I speak both English and Spanish, have a BA in Business Administration from the University of La Verne, and am currently in the process of getting my Masters in Health Administration (also from University of La Verne).

    Give me a call and let me know how I can help you reach your goals of home-ownership.

  • Tiffany Wong

    Loan Officer

    I have been in the real estate industry for 10 years working as a mortgage consultant.  My expertise is understanding the underwriting process to help educate my customers when qualifying for a home loan. I can help pre-approve you for a loan before you start searching for a home, allowing you to find a home that is within your budget. And because we work with a variety of lenders, I can make sure you are approved for a mortgage that's right for you. Whether you are a new buyer purchasing your 1st home or a seasoned investor purchasing multiple investment properties, I can help.  

    I am fluent in Chinese (Cantonese & Mandarin) and I have been actively helping the Asian community for several years. Please contact me any time.  I am here to help!

  • Sky Minor

    Loan Officer

    (323) 258-4317

    I have worked as a loan officer since 2003. I have closed hundreds of residential mortgages for all kinds of borrowers through vastly different market conditions. I am also a Realtor, landlord, house flipper, and real estate investor. I specialize in first time buyers because I can provide financing as well as keep everything for the buyer under one roof. People like me on Yelp because I am thorough, know the real estate and mortgages inside and out, and love what I do. If you are interested in finding a home or securing financing for one,  feel free to contact me. You can also follow me on Facebook or my real estate blog which I update regularly. 

  • David Diaz

    Loan Officer

    (800) 431-7002

    An accomplished mortgage and real estate broker, I started working at Equity Smart more than 13 years ago. Throughout my career, I have built a 100% client-referral based network. I provide exceptional customer service, while also offering financial planning, and prioritizing each case in order to obtain financing. I focus on residential and income properties and am an expert in the following loan programs: FHA, VA, Reverse Mortgages. 

    When dealing with his clients, I take it a step further by providing additional benefits in an after service program, which includes monthly real estate updates and free notary public services. It is no surprise that clients, business associates, and peers recognize me as someone who operates with accountability, outstanding integrity, and great loyalty. 

  • Our Loan Experts

  • Gaby Perez

    Loan Processor

  • Monse Guerrero

    Loan Processor

  • Carmen Casey

    Loan Administrator