Vic DeSantis
Sr Mortgage Lender
With more than 25 years of experience in finance and mortgage lending, I’ve spent my career helping clients navigate one of life’s most important financial decisions—purchasing a home. Since 2008, I’ve specialized in residential mortgages, ... Show More
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Started shopping around once I was already in process with another lender because my rate just felt too high... and Vic was able to get me a rate .75% LOWER than the other lender, with exceptionally transparent and reasonable origination fees....
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Vic's knowledge of the markets in a turbulent rate period was extremely helpful. His rates were the best out there and the customer service with almost daily check ins helped build trust that I've never had with another lender! We truly appreciate...
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Reply from Vic DeSantis
September 12th, 2026 12:24 AM
Thank you so much for your kind words, Michael. I'm glad to hear that my knowledge and service made a positive impact during a turbulent time. It's important to me that my clients feel informed and supported throughout the entire process. I'm...
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Vic made himself available whenever there were questions. He advocated for you and made sure your needs are aligned with your goals. He understood that certain markets are competitive and made sure he was there with you along the way.
Fast, efficient, forward, honest
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
Jeremiah, thank you for the stellar review and the full 5-star rating. At First Federal Bank, we aim to offer the highest level of service possible, and it's truly rewarding to know that we have succeeded with you. Your adjectives - fast, efficient,...
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Let me start off by saying that I just bought my second home that took me over a year to buy. Through many ups and downs of the economy, interest rates and the southern California real estate market - Vic was always just a phone call away and...
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Vic is hands down the BEST mortgage lender I have ever worked with! My husband and I have been in the process of building a home, and with that comes the stress of a moving target for a close/ completion date. With interest rates fluctuating...
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Reply from Vic DeSantis
September 12th, 2026 12:24 AM
Thank you so much for this incredible review, Elizabeth. I am immensely grateful for your kind words and for sharing your experiences in such detail. Helping you navigate through the complexities of mortgage lending was my absolute pleasure....
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Vic is hands down the BEST mortgage lender I have ever worked with! My husband and I have been in the process of building a home, and with that comes the stress of a moving target for a close/ completion date. With interest rates fluctuating...
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Vic was so knowledgeable and helpful during the whole process.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
Thank you, Zahra, for such an amazing review! It was my pleasure to assist you throughout the process. Your satisfaction is my top priority and I'm thrilled to hear that my knowledge proved beneficial for you. I look forward to serving you...
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Communications were often late and then 'urgent'. The team sent requests for inspections that the VA did NOT require and my relator had to correct the team. Several times data that was already provided was requested again. At the final stages,...
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Vic is extremely knowledgeable and responsive. He was always accessible even working while on vacation to help us with our loan.
Reply from Vic DeSantis
September 12th, 2026 12:24 AM
Thank you so much for your kind words, Kyle. I'm delighted to hear that you had a positive experience with your loan process at First Federal Bank. I believe in delivering top-notch service no matter the circumstances, and I'm glad to know...
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About
With more than 25 years of experience in finance and mortgage lending, I’ve spent my career helping clients navigate one of life’s most important financial decisions—purchasing a home. Since 2008, I’ve specialized in residential mortgages, combining deep industry knowledge with a focus on making every client’s experience smooth, informed, and stress-free. My goal is to provide expert guidance, transparent communication, and loan options that best fit each client’s unique goals. Originally from Chicago and Los Angeles, I came to the Midwest to attend Graceland University in Lamoni, Iowa, where I played soccer and football on scholarship while earning my degree in Psychology.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Fixed Rate Mortgages
Adjustable Rate Mortgages
USDA Loans
Qualified Mortgage Pre-Approvals
Cash-Out Refinances
Specialities
VA, FHA, Conventional loans
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Year Started
2005
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS #272866
Hobbies
- NFL, working out, Pickleball with my wife. Watching my wife's son play college baseball.