Mortgage Loan Officer · Home First Financial
About Brett Hickman
Straight answers and the right loan, for buyers and homeowners across California.
5.0 from 3 client reviews
I'm Brett Hickman, a mortgage loan officer with Home First Financial. I work with home buyers, homeowners, and the real estate agents who serve them across California, from first-time purchases to move-up bridge financing and everything in between.
My job is simple: give you a straight answer about what you can actually afford and the smartest way to finance it, without the runaround. That means the right program for your situation, the real numbers up front, and a tool right here on this site that shows your payment and your purchase power in seconds, with no application required to start.
I focus on the loans most officers don't take the time to explain: the 40-year interest-only Payment Smart loan, buy-before-you-sell bridge financing, temporary and permanent rate buydowns, self-employed and bank-statement loans, jumbo, VA, FHA, and first-time-buyer and down-payment-assistance programs. Whatever genuinely fits your situation, that's what I'll recommend.
What I help with
Licensed & verifiable
Brett Hickman, NMLS #2010859 · verify on NMLS Consumer Access. Home First Financial, NMLS #2465048, Equal Housing Lender. California DRE #01843823 (personal) · #02210955 (corporate). Serving California.
“Closed in three weeks with zero drama. I kept waiting for the catch , there wasn't one.”
“Self-employed, so I expected a nightmare. Instead it was the easiest loan I've ever done.”
“Straight answers, fast pre-approval, and my offer got accepted over two others.”
Let's run your numbers.
See your max purchase price and payment in seconds, then text or call me with questions.