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Tammy Sinigayan, (NMLS ID 1570124)

Tammy Sinigayan

Sr Loan Advisor NMLS ID: 1570124

12470 Hesperia Road

Victorville, CA 92395

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

I have been on all sides of the industry and have over three decades of experience in mortgage operations and sales serving as a real estate agent, underwriting credit risk manager, and underwriter as well as managed the onboarding, transition, and training of new hires and teams.

 

My expertise encompasses mortgage finance and credit risk assessment for a wide range of products that include government (FHA/VA/USDA), jumbo, and specialized loans. I have a strong background in underwriting and credit risk assessment. I’m able to leverage this experience in the early stages of the loan manufacturing process to educate and support my colleagues and clients and to ensure a seamless and exceptional home financing experience. As a strong believer in the dream of homeownership, I'm committed to helping every client turn that dream into reality.

 

Outside of my professional life, I'm a proud mother to five remarkable young adults and five beautiful grandchildren. I find joy in spending time with my family, immersing myself in outdoor activities like hiking, appreciating the arts and music, and indulging my passion for travel.

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Professional Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Client Testimonials

Mitch P
Port Costa, CA
Tammy is INCREDIBLE! THE person to go to for any loans. Her knowledge of the process, involvement and communication every step. Tammy guided and informed us through every step of the process. We are grateful for her skills and who she is as a person.
Leticia J
Sacramento, CA
Working with Tammy is a great experience. She’s extremely knowledgeable, smart, professional and very patient and understanding as we navigated the home buying process. I highly recommend Tammy and Flagstar Bank for anyone looking to buy and sell property.
Devashish R
Newark, CA
Tammy has truly been our guiding star throughout the home-buying journey. Her professionalism, dedication, and genuine care made it easy. You exemplify what it means to be customer-centric and we are incredibly grateful for everything you’ve done for us.

What to Expect

We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.

Please select your lending process

Pre-qualify & Gather Financials

Submit your financial information and we'll give you a personalized estimate for your loan.

Pre-approval

Once you're pre-approved, we'll coordinate with the escrow or title company

Loan Review

Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.

Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

Close & Receive your funds

We’ll close your loan and wire your funds into escrow so you can complete your home purchase.

Loan Application

Complete a loan application online, and submit the necessary financial documents.

Appraisal

We'll conduct an appraisal of your property to determine its current value.

Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your funds.

Request a contact

Fill out the information below and I'll reach out to you shortly.

Tammy Sinigayan

Sr Loan Advisor NMLS ID: 1570124

12470 Hesperia Road

Victorville, CA 92395

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Let's do the math (the easy way).

Use our home loan calculators to break down the costs of buying a new home.  How does a higher or lower down payment affect your monthly payment? Should you get a fixed or adjustable rate mortgage? Play around with different scenarios so you can make informed decisions about your home loan.

So, how does getting a mortgage work?

Buying a home is a big deal, and there are many ways to finance it. Understanding the basics of a home loan will get things off to a great start. Learn about the steps in the process, the paperwork you'll need, and what makes up your monthly payment.

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