Buying a Home


Summit is not a large impersonal financial institution. Our personable, experienced loan officers are ready to walk you through the home buying process and make sure you move in on time. Whether it’s your first home or your dream home, we have a home loan program to meet your needs.


Financing magnificent homes requires special programs and experience. We have loan programs to $20 million and more than One billion in completed mortgages.


Looking to purchase or refinance with an FHA or VA mortgage, we are experts with years of experience.


Divorce is tough and presents challenges when it comes to financing. We have more than 25 years’ experience helping good people make the transition.


Need Commercial or SBA financing to purchase an apartment, office or industrial building? We’ve got them, and we have the expertise to guide you through the process.

Get Pre-Approved Today

Looking to buy your first home? Take the first step toward your goal with a 15-minute prequalification consultation. Over the phone or face-to face, it’s your choice.

Finding the right home loan is just as important as finding the right home. Summit will provide a no-obligation prequalification consultation to help you estimate how much you may be able to borrow.

If you’re ready to move forward, ask us how you can line-up your financing ahead of time with our exclusive SummitApproval program. The SummitApproval program gives you peace of mind, so you focus on more important things like your property-search, family and friends.


Real Estate represents the largest investment most people make in a lifetime, and also can be very stressful. As a client-led company Summit recognizes these concerns and addresses each one to create a care-free transaction. We know we are succeeding when we receive positive feedback from our clients, a few of which are shared below:

Have a question about the value of your home, interest rates or the best steak in the Conejo Valley? Give Summit a ring: 805.374.1366

In addition to lowering your monthly payments, refinancing your mortgage(s) can help you maximize your tax deductions* and free up cash to pay off high interest rate credit cards and auto loans. Or if you prefer, use your cash equity for remodeling, investing, a vacation, or college tuition.

As a direct lender with hundreds of loan programs, we’re confident we’ll find you a competitive rate.

* Consult your tax professional


  • Pay-off your loans and high interest credit cards
  • Pay-off your Home Equity Line of Credit
  • Convert your adjustable rate into a fixed rate
  • Cash-out for home improvements

Financial Solutions to Meet Your Objectives, Not Ours

It’s important that homeowners understand the features of their home loan, and make sure it meets their financial needs. Summit Mortgage can help.

As a direct lender with the flexibility to also act as a broker, we provide choice, convenience, and control throughout the loan process. We offer a full suite of lending products because we recognize the importance of having the right loan for every situation. Here are some of the mortgage programs available with Summit:


We offer our borrowers a wide variety of fixed-rate mortgages from 30 years to 8 year so that you can get the payoff schedule that’s right for you. These loan programs have the same interest rate for the life of the loan and monthly payments (principal and interest) that never change.

If you escrow your property taxes and insurance, those expenses can change, which will affect your monthly payments. Fixed-rate mortgage may be a good choice if you plan to stay in your home for a long time or if you feel more comfortable knowing your payment cannot change.


Great for Fixer Uppers, the FHA Renovation Loan Program provides you with the money to purchase a home and renovate it, all with one convenient loan. This program is ideal for purchasing foreclosures and improving their value with needed repairs and upgrades.


Many municipalities have established bond programs to help first-time homebuyers with down payment assistance, obtaining a lower rate, and qualifying more easily for a home loan.


An ARM is a mortgage in which the interest rate and payments are adjusted periodically based on a pre-selected index. Also known as 3/1, 5/1, 7/1, and 10/1 ARM programs, the rate and payments on an ARM loan rise and fall with the market and borrowers are protected by to certain limits.

Our 3/1, 5/1, 7/1, and 10/1 ARMs allow you to pay a lower introductory interest rate than many fixed-rate mortgages offer. Your interest rate and payment are fixed for the initial fixed rate period of 3, 5, 7, or 10 years, depending on the program you select. After the initial fixed period, your interest rate and payment will follow the movement of the index up and down, with certain limits.


The VA loan program can make it much easier for veterans to secure a home loan by requiring little or no down payment. This home loan is available to veterans and guaranteed by the U. S. Veteran’s Administration, and it frequently offers lower interest rates than ordinarily available. In addition, with a VA-guaranteed loan, there is no private mortgage insurance requirement.


As an experienced jumbo and super jumbo mortgage lender, we offer a variety of programs with competitive rates and beneficial features. Fixed rate, adjustable rate, and interest-only payment options are available. We also provide jumbo and super jumbo loans for investment properties and second homes, as well as cash-out refinancing.


We offer residential mortgage loans insured by the Federal Housing Administration (FHA). FHA-insured loans offer many benefits, including lower costs, smaller down payments, easier qualification, and more protection to keep your home.


Government Sponsored Entities, Fannie Mae and Freddie Mac, new conforming-jumbo loan limits make it easier and more affordable for more buyers to “move up” and purchase higher-value homes, or save substantially by refinancing their jumbo loan. Lower FICO score and down payment requirements, lower-than-jumbo rates, and loans amounts of up to $729,750 in some areas create a powerful alternative to a traditional jumbo loan.


For the more sophisticated borrower seeking total financial integration and leverage for wealth maximization, we offer Private Mortgage Lending. With direct access to private capital, we specialize in delivering personalized, advantageous solutions that can’t be found anywhere else. For bridge, swing, renovation and liquidity solutions, contact us for a confidential consultation.



Summit pursues a life-long relationship with our clients; a commitment we’ve stood behind since 1992. We’ve helped thousands of your friends and neighbors across California achieve their real estate goals, and we’re constantly striving to add new services to enrich their personal and financial lives. Our knowledgeable consultants will help you visualize your dreams, then skillfully design and implement a plan to achieve them.

When you join the Summit family you receive the combined experience of our team members and associates, benefiting from the proven strategies and best-practices of thousands who have come before you.




Since inception we’ve arranged more than One Billion in mortgage financing, each loan carefully prepared to help our client achieve their goal. Summit arranges financing for a broad spectrum clients, secured by an equally broad spectrum of properties: residential, commercial, apartment, land, construction and more. From big banks to private financing, we have a solution for almost every need.

From first-time home buyers to dream home buyers, Summit has a loan program to fit your need.

Since 1992 we have arranged more than One Billion in home loan financing for people just like you. We’re not employees of a large impersonal financial institution, we work for you… and we’re local so were available to meet face-to-face to discuss your dreams.

Meet the Team

Eric Rolph

Eric Rolph

Founder, Broker # 00912747 NMLS# 342391

Since 1985 Eric has dedicated his professional life to helping people meet their real estate goals. Eric’s unique ability to develop a winning strategy and execute in a professional manner have endeared him to a loyal following. By networking with some of our industries most successful entrepreneurs Eric seeks to find new and innovative ways to improve the lives of his clients. He holds a bachelors of Science in Business Administration / Finance from San Jose State University. Eric enjoys spending time with his family and is a 6 time Ironman Triathlon finisher.

Marcella Daughenbaugh

Marcella Daughenbaugh

Logistics Team Leader

Marcella is responsible for directing our Real Estate lending operations. With more than 18 years’ of lending experience Marcella has helped establish systems and processes which ensure our clients have a stressfree experience. Marcella enjoys the outdoors and spending time with her family.

Cimberli Pack

Cimberli Pack

Client Care Coordinator / Broker # 01728049 (Contour Realty Inc.)

Cimberli’s responsibilities include caring for the company’s most valuable asset, our clients. Cimberli is a licensed Realtor with extensive transactional experience, and perhaps more importantly the desire to help our clients achieve their goals. Cimberli enjoys traveling, riding her motorcycle and spending time with her family.

Sharon Pearson

Sharon Pearson

Accounting Manager

Sharon is responsible for overseeing day to day operations and accounting functions. Prior to joining the Summit family, she had a successful accounting/ bookkeeping enterprise with many happy clients — their loss is our gain. Her dedication and attention to detail have made her indispensable. Sharon enjoys spending time with her family and raising guide dogs for the blind.

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Summit Mortgage is an experienced home lender that has arranged more than one billion in home loan financing, but no transaction is more important than yours. We never forget that your paycheck is tied to our performance.

Our promises to you:

  • Thoughtfully prepared pre-approvals for qualified Buyers
  • We’ll keep you informed every step of the way
  • If we encounter an obstacle, we’ll work tirelessly to find a solution

Our goal is to make your clients so incredibly happy that they feel comfortable referring their friends, family and co-workers to you.

Let’s schedule a time to meet face-to-face. 805.374.1366, or email.

Summit Property Management focuses on providing our clients with steady, predictable income while caring for their valuable real estate. Our team of professionals work diligently to ensure our clients receive all the rewards their real estate can produce, while looking after all the details: leasing, maintenance, tenant management, and bookkeeping. Our team seeks to build lifelong relationships with our clients… we’re in it for the long-haul.

Learn more on the Summit Property Management website, or just give us a call at 805-374-1366.


Once you’ve found the home you want and have negotiated a price that you and the seller agree on, it’s time to get your loan. When you submit a loan application, you can expect to complete lots of paperwork and provide information about your employment history, financial assets and liabilities, and credit.


The next step is to lock-in the current interest rates and points for your loan of choice. You may also elect to allow the interest rate to float, so that you can lock it in at a later time. If you decide to let the rate float you may end-up with a rate that is higher or lower than the rate on your date of application.


After you have reviewed disclosures and paid any required processing fees, you will then sign and return to the lender all required disclosures and any additional documentation needed to satisfy the conditions of the loan. When the lender receives a credit report, signed disclosures, and additional obligatory documentation, your loan officer will prepare and submit your loan for final approval.

A licensed title agent should then perform the settlement and escrow process. Your Loan Officer can help coordinate this. You will be required to bring a cashier’s check for the down payment and any other fees to the settlement. While at the settlement, you will read and sign numerous documents regarding your transaction.


As part of the settlement phase, your lender will wire the loan funds to an escrow account or send a cashier’s check to the closing agent, which may be a title company, an attorney, or an escrow agent, depending upon the state the transaction occurs in. The property’s owner or their lender is paid in full and all fees for all parties are paid. The property’s ownership will then transfer from the seller or the seller’s lender to your lender.

Contact Summit

Contact Info

Summit Mortgage & Investment Company
99 Long Court, Suite 101
Thousand Oaks, CA 91360

NMLS# 280514

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    Thank you for visiting the Summit Mortgage & Investment Co. corporate website

    It’s difficult to capture people’s attention in the modern digital era. People consume their information faster than ever before, and if your website doesn’t capture their attention within just a few seconds of their visit, it’s very possible that your visitors might just leave, never to return again. It seems fickle, but it’s the truth, and at Wheel Media we always give you our honest opinions.

    Wheel Media provided the winning web design quote and completed the marketing and development services on the project. Our affordable Detroit online marketing services for small businesses were an excellent fit for the people at Summit, who were looking for a quality web site at a reasonable fee. Summit Mortgage & Investment allowed our company this opportunity to develop an effective solution to fit their needs.

    As a firm, we enjoy the opportunity to provide online marketing solutions, as well as social media consulting, to both established and new businesses throughout the nation. Wheel Media works with businesses of all sizes, in all industries, across the entire United States. We see each and every project as a partnership with our clients. Each project is we do is an opportunity for our clients to share their vision for their business and for our strategic and design teams to refine and communicate that vision.

    One of the things that sets Wheel Media apart is that we take the time to gain a deep understanding of your business and its customers. How does this affect the web development process? It helps us develop a custom solution that engages your target market immediately, and custom solutions are exactly what will help you remain astrong long-term competitor in your industry.

    In addition to internet marketing services, Wheel Media provides a broad range of San Francisco web design services to small business, including social media, online marketing, email marketing, and more. If your business needs to increase its conversions and generate more revenue, get in touch with us, and we’ll get started on a custom solution for you.

    We commend the whole team at Summit Mortgage & Investment for their dedication to their work and clients. Explore the site and contact the friendly staff for more information. If you would like to work with Wheel Media’s team to build and maintain long-term customer relationships with an engaging and functional website, take some time to explore our site and learn more about the services we provide, then contact us online or by phone at 866-491-9266.