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Steven Byer

Sales Manager | Senior Loan Advisor | Escondido – Flagstar Home Loan Center, California

License/Certifications: NMLS 613303


Cell: 760.519.1158

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Home > About Us > Our Team > Steven Byer

My Story


Flagstar Bank helps clients make effective financial decisions by showing them a new way of thinking about their mortgage – not just as a loan based on rates, ratios and guidelines, but as something with the potential to dramatically shift their financial situation now and into the future. During the mortgage process, our advisors show clients new ways of looking at affordability that take everything they care about into consideration.


Our Mortgage Advisors do extensive work upfront to determine the best financing structure in each particular client situation. Through years of experience and industry knowledge, our advisors have the ability to anticipate and avoid potential obstacles, giving clients confidence and peace of mind throughout the process.


Flagstar Bank originates, underwrites, and funds loans with its own capital, maintaining control of the entire loan process. Flagstar Bank offers a full-range of competitively-priced loan programs and is knowledgeable in lender guidelines so we can match the best loan program to each client’s unique situation and needs. Our underwriters are well versed in local markets and we fund loans in-house, maintaining complete control to ensure fast turn-times and a smooth loan process.


Contact me to learn how I can help you with your real estate financing needs.



“Had a great experience working with Steve. He helped us refinance for a lower payment and interest rate when other lenders said there wouldn’t be a point. He talked us through every step of the process, was always prompt on coming back with answers to questions we had and really took the time to try to get us the best deal he could. We really apprecaite everything Steve did and would highly recommend him to others.”
-Patrick A.

“Steve was a great leader in the process of buying a house in Oregon from California. Lots of ins and outs he was great with. He over whelmed us with choices. He worked very hard for us to get the best deal. Thank you Steve!”
-Susan and Denny O.

“I’ve been a client of Steven’s for 5 years and utilized him for the initial purchase as well as 3 refinances in that time. He is exceptional and a true professional. He has his clients best interest at all times and provides a level of service second to none. His team is equally professional and makes the entire process quick and easy and can answer any question quickly with confidence. ”
-Jeffrey C.

“Steve made the experience seamless and stress free which was amazing. This is the 3rd time we have worked with Steve and it is always the same amazing experience”
-Cade Z.

“Steven Byer has assisted us twice with our initial home loan and our refinance five years later. He is a master in this arena. The process was painless and efficient. Steven is patient and takes the time to explain the loan process and answer any questions. I would highly recommend his services.”
-Frank M.

“Steve and his team our amazing! They make it as easy as possible and are always there to answer questions.”
-Nicole M.

“From the beginning Steve was professional, courteous and informative. This continued throughout the proceedings and we were completely in the loop the entire time. No mysteries, no last minute rushes for more and more forms, no inconveniences. After dealing with a nefarious online processor, (rhymes with Slicken), we were ready to throw in the towel if this was a similar nightmare.”
-Paul W.

Branch: Escondido – Flagstar Home Loan Center

16935 West Bernardo Dr, Suite 114

San Diego, CA 92127


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