President at WestPac Lending

Steve Rivas is the founder of WestPac Lending, a Savi Ranch Financial, Inc. company, and has been serving borrowers since 1999. With a vision for creating a more personal, relationship-driven lending experience, Steve built WestPac Lending around the idea that every client deserves thoughtful guidance — from purchasing a first home to financing a long-term dream property or expanding an investment portfolio.

Over the years, Steve has helped a wide range of borrowers navigate both traditional and more complex financing scenarios with confidence. Under his leadership, WestPac Lending has grown to offer a broad range of loan solutions, including purchase and refinance loans, reverse mortgages, Non-QM programs, private money options, and financing for single-family homes as well as a variety of investment properties.

Steve’s areas of expertise include:

• • DSCR and investor mortgage programs
  • Bank statement and alternative income loan solutions
  • Private money lending
  • Conventional mortgage financing
  • FHA loans
  • VA loans
  • Jumbo and high-balance financing

As mortgage bankers, WestPac Lending closes loans in-house, allowing for greater control, efficiency, and responsiveness throughout the process. Every loan is handled with close attention from start to finish, with underwriting awareness built in every step of the way. Clients and referral partners alike value the accessibility of the team, the strength of the internal process, and the commitment to clear communication and timely closings.

Steve takes pride in building lasting relationships and delivering a lending experience that is both highly professional and deeply personal. He looks forward to helping clients and referral partners alike navigate their financing goals with confidence.