About Us

Moving beyond the transaction to true financial partnership. We combine the speed and agility of a private lender with the security of a traditional bank, delivering superior outcomes for clients at every stage of their financial journey.

SiFi Lending, officially Simonich Financial, Inc. dba SiFi Lending, is a full-service mortgage brokerage based in San Ramon, California. Founded by industry veteran Scott Simonich and launched in 2024 (with roots dating back to our incorporation in 2021), we hold NMLS #2563307 and maintain active licenses across key states, including California and Texas. Our team is dedicated to helping clients achieve their real estate dreams—whether that's buying a first home, refinancing for better terms, investing in multifamily properties, or securing financing for construction and development projects. We serve residential, commercial, and private capital lending needs with a genuine focus on what matters most: your goals and long-term success.

What sets us apart is our commitment to personalized, flexible solutions. We offer a broad range of loan programs, from conventional fixed-rate and government-backed options (FHA, VA, USDA) to specialized products like DSCR loans, fix-and-flip, bridge financing, rehab loans, construction, land loans, reverse exchanges, and no-income/no-asset verification options. We prioritize speed and efficiency—often closing in as little as 12–21 days—while providing creative terms that help preserve your capital and seize opportunities in competitive markets. Our process starts with a thoughtful goal-analysis consultation, where we truly listen to understand your situation before crafting tailored recommendations that balance rates, costs, and structure.

Education is at the heart of how we do business. We believe informed clients make the best decisions, which is why we've built a robust Learning Center packed with practical articles and insights on home buying, financing strategies, and market trends. Our approach is straightforward and transparent: we guide you every step of the way, from exploring options to gathering documents and executing smoothly, so the experience feels supportive rather than overwhelming.

Led by Scott Simonich (CEO, MLO NMLS #85959) with over 30 years of mortgage leadership, Jeff Simonich (President, MLO NMLS #1607231), Farid Harrison (Vice President), Joe Simonich (Director of Operations), and a talented team of mortgage experts, we bring deep expertise and a client-first mindset to every transaction. With a BBB accreditation (A rating), we're proud to deliver cost-effective financing that's aligned with your strategy helping buyers and investors move forward confidently.

At SiFi Lending, we're more than just a lender; we're your partner in navigating real estate with clarity and care. We're here to serve you and make the process as seamless as possible. Visit sifilending.com to explore our resources or reach out for a no-pressure conversation. We'd love to hear about your goals.

Delivering Excellence, Integrity and Personalized Solutions in Every Loan

At SiFi Lending we’re committed to making high-quality home financing available to all borrowers, no matter their financial story. Founded in California, our team of experienced leaders, branch managers, team leads, and loan officers specializes in a wide array of programs including FHA, VA, USDA, DSCR investor loans, ITIN, doctor programs, bridge, reverse, construction, and non-QM options—to provide reliable, competitive solutions with transparency and care from application to closing.

Ready to find the right loan for your next home or investment?

Let’s get started! Tell us a little about your goals and we’ll deliver personalized options fast.