Welcome to SMA Financing. We are a full service California Mortgage Brokerage based in Fremont, California. Our loan officers are committed to Taking You Forward. We search out the lowest interest rate mortgages for your purchase and refinance loans. 95% of our business comes from referrals from past mortgage clients. Buying a home is a major financial decision and people want to work with a mortgage advisor they can trust to help them find a lender and a home loan program best for them. In 2005 our excellence in service paid off when when our mortgage broker, Sunil Sethi, won the award for best mortgage broker in the Fremont, Newark, and Union City areas by the readers of the Argus.  Client Testimonials