No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best mortgage possible for your unique scenario!

Conventional

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FHA

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VA

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Jumbo

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Rehab

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USDA

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Mortgage Home Loan

How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.  Learn More
2

Appraisal

The appraisal insures the home you are buying is worth the price that is being offered. Learn More
3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic. Learn More
4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More
5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More
6

Closing

Signing the final documentation and receiving the keys to your new home! Learn More

Documentation:

Appraisal:

Underwriting:

Conditional Approval:

Clear to Close:

Closing:

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All About Torrance

Torrance, California

Area and Location:
Torrance covers roughly 21 square miles (12,312 acres) and is situated in south western Los Angeles County, bounded by the Pacific Ocean on the west. Torrance has 1.5 miles of lifeguard-patrolled beach, bath-house facilities and public parking. It also has 550 miles of sidewalks.

Population:
Incorporated in 1921, the population of Torrance is 146,860 with a peak daytime population that grows to 250,000 or more. Torrance is the eighth largest city in Los Angeles County and the 33rd largest city in California. Source

Things To Do In Torrance:

Come Spend A Day In Torrance!

Torrance, California, is the ideal location to stay for your Southern California vacation.
Discover Torrance for a getaway that’s filled with well-crafted experiences and well-kept secrets. Home to innovative craft breweries, leisurely shopping, exciting cuisine and an uncrowded local beach, Torrance comes alive with an easy-going, welcoming spirit all its own. A safe community ideally located in the SoCal landscape, Torrance is a hidden gem that’s also conveniently located within close proximity to popular Los Angeles attractions and destinations. Source

Education in Torrance

About Torrance Educational System

The Torrance Education Foundation promotes and supports academic excellence for pre-kindergarten through 12th grade students in the Torrance Unified School District. TEF recognizes outstanding teachers and education contributors, develops strategic alliances with business organizations, parents and the community; nurtures innovation and curiosity; and champions an inspirational, well-rounded education for all young people served by the TUSD.

TEF Mission: To enrich the educational experience for students of the Torrance Unified School District.

TEF Vision: The Torrance Education Foundation is an essential link between the Torrance community and our students’ educational experience. Source

Torrance Image Gallery

History of Torrance:

Torrance is rich in history!

The City of Torrance is located in southwest Los Angeles County in a region known as the South Bay. A municipality with the eighth largest population in Los Angeles County, the City is bordered on the southwest by one mile of beach, on the west by the City of Redondo Beach, on the north by the community of Lawndale, on the east by the Cities of Los Angeles’ Harbor Gateway and Gardena, and on the south by the communities of the Palos Verdes Peninsula. The City is part of the greater suburban Los Angeles area. Prior to 1912, Torrance was part of a Spanish land grant belonging to the Dominguez family. The land was largely unpopulated, open, dusty plain. By 1912, a real estate developer from Pasadena named Jared Sidney Torrance had purchased 2800 acres to make his vision of a “Modern Industrial City” a reality. Police services during this period were provided by Los Angeles County in the form of a Constable stationed in Lomita. During these early years, the City’s physical layout followed Jared Sydney Torrance’s master plan. Source

Torrance’s Neighborhood

Check out Torrance’s Neighborhood

Torrance covers roughly 21 square miles (12,312 acres) and is situated in south western Los Angeles County, bounded by the Pacific Ocean on the west. Torrance has 1.5 miles of lifeguard-patrolled beach, bath-house facilities and public parking. It also has 550 miles of sidewalks.

The City of Torrance has a Class 1 rated Fire Department with 159 sworn fire employees and six fire stations. The Police Department includes 241 sworn police employees, one main police station, one police substation and three police community centers.

Torrance is proud to serve the community with a robust Public Library system that includes six libraries. The City also has 46 Park and Recreation facilities, offering a range of activities and amenities.

Incorporated in 1921, the population of Torrance is 146,860 with a peak daytime population that grows to 250,000 or more. Torrance is the eighth largest city in Los Angeles County and the 33rd largest city in California. Source

Roland & Linda Wilcox

Loan Officers  //  Sierra Capital Mortgage Co

Since 1996, Sierra Capital Mortgage has provided clients throughout California the best possible financing solutions by leveraging our experience and extensive network of lending partners. We are committed to providing our clients expert advice, extremely competitive interest rates, and exceptional customer service.  We offer a full portfolio of mortgage products including Conventional, Jumbo, and FHA / VA loans. Our business is by referral from past and current clients, experienced real estate agents, and trusted financial advisors.

With over 40 years of experience and thousands of happy clients throughout California, we look forward to serving you.

info@sierracapmortgage.com(626) 449-8545
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