Meet Full Circle Home Loans

A mortgage brokerage built on personal connection and real expertise.

Our story

We started small. We stayed that way.

Full Circle is a mortgage brokerage that chose the path of personal relationships over scale. Seth founded the company on a simple idea: clients deserve to work with someone who remembers their name, knows their situation, and actually cares whether they close. Our team spans California, Texas, the Carolinas, Florida, Tennessee, and Arizona. We specialize in first-time buyer loans, bank statement programs, VA loans, FHA loans, and investment property financing. What ties us together isn't a corporate playbook. It's the belief that a mortgage is a conversation, not a transaction.

The team

People who know mortgages

Owner and broker

Seth Anapolsky

Founder of Full Circle, Seth runs the company with a focus on client relationships and personal service.

Mortgage loan officer

Charles Nuno

Over 25 years in mortgages and financial advising. Awarded 5-Star for 2025, top 1% nationally for customer service.

Mortgage loan officer

Raquel Sanchez

25+ years as a business owner and real estate investor. Specializes in residential financing with meticulous attention to detail.

Loan officer and operations

Spencer Colburn

Office go-to for loan guidelines and problem-solving. Handles issues as they arise with precision.

Loan officer

Nick Gonzalez

Long-time Full Circle team member who pre-qualifies clients and keeps detailed notes on every file.

Office director

Summer Luszeck

Former Full Circle client who now manages HR, operations, compliance, and licensing across states.

Client communications manager

Tiffany Katuls

Handles client follow-up and office coordination. Specializes in AirBnB investment property financing.

Loan processor

Bernadette Bermudez

Processes loans and builds lasting client relationships. Motivated by the fulfillment of helping families close.

What we do

Mortgages for different lives

Rooftop deck with black bar stools overlooking coastal town and blue ocean bay

First-time buyer loans

Programs designed for people buying their first home, with guidance through every step.

First-time homebuyer programs
Clear guidance from start to close
Local expertise in your state

Modern poolside patio with turquoise pool, striped umbrella, woven lounge pods, white building, palm trees, and snow-capped mountains in background

Investment property financing

Bank statement loans and vacation rental financing for real estate investors and entrepreneurs.

Bank statement loan programs
Vacation rental property loans
Investor-focused expertise

Bright living room with vaulted white ceiling, tan and green leather sofas, wooden-framed windows overlooking trees, and modern black pendant light fixture.

Specialized loan programs

VA loans, FHA loans, and refinancing options tailored to your situation.

VA and FHA loan programs
Refinancing and cash-out options
Flexible qualification guidelines