Seth Conley (MortgageSeth)
NMLS Verified

Seth Conley (MortgageSeth)

Answer Home Loans, Inc.NMLS #1595108
Tracy, CA11 Years of Experience

About

Seth Conley is Mortgage Seth, an independent mortgage broker with Answer Home Loans, Inc. (NMLS #1729528) in Tracy, California. A 10-year U.S. Navy veteran with 10 years in the mortgage industry, he does his best work with VA buyers, self-employed borrowers using bank statement loans, first-time buyers, and reverse mortgages. Licensed in CA, AZ, TX, FL. NMLS #1595108, CA DRE #02216110.

Primary Markets

  • Lathrop, CA
  • Manteca, CA
  • Mountain House, CA
  • Stockton, CA
  • Tracy, CA

Loan Specialties

Conventional

FHA

VA

USDA

Jumbo

Reverse Mortgage

Who I specialize in helping

First-Time HomebuyersVeterans & Active-Duty MilitarySelf-Employed / Nontraditional Income Borrowers

Photo Gallery

Reviews

5.0 (74 reviews)

Daniela

Sep 9, 2026

5.0
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Seth was great! Him and his team worked with us through the whole process always promptly responding to our questions and getting us the best numbers for our loan.

Francis

Jun 27, 2026

5.0
googleGoogleVERIFIED

I’m not sure what’s worse - going to the dentist for a root canal or refinancing an investment property. That being said, Seth and his team made our re-fi as painless as can be! Right from our initial phone call, he was able to assess our needs and find a loan program that would work for us. We were in Japan for much of the process but Seth’s team walked us through each step with care and patience. We were able to lock in an interest rate that we were happy with and Seth went above and beyond to make sure we could close on time. We have other investment properties that will require a re-fi in the future and I won’t hesitate to call Seth because I know I can trust his team, his experience, and expertise.

Jenny

May 5, 2026

5.0
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Dear Seth, We appreciate your significant role in our path to owning a home and gratitude for your guidance that enabled us to make informed decisions, feeling confident throughout the process.

Soubhik

Apr 13, 2026

5.0
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Seth made the financing side of our home purchase completely painless. Securing a mortgage can often be the most stressful part of buying a house, but Seth was organized, transparent, and incredibly efficient. He didn't just process our loan; he actively advocated for us, negotiating a highly competitive rate and securing valuable lender credits to keep our out-of-pocket costs down. He walked us through the numbers clearly, ensured there were zero surprises on our final closing disclosures, and got our loan fully funded and closed perfectly on time. He is highly responsive to emails and questions, making a complex financial process feel straightforward. I highly recommend Seth to anyone looking for a top-tier mortgage broker who actually gets the job done right.

Emma

Feb 16, 2026

5.0
googleGoogleVERIFIED

Seth helped my husband and I purchase our first home and working with him was great! He was very knowledgeable and helpful, guiding us every step of the way! Thank you Seth!