In this episode of SF Commercial Property Conversations with Bruce Bean, we sit down with Stephen Moye, a San Diego-based mortgage professional with an unconventional start—from playing gigs in a working band to becoming a top-producing loan officer.

Stephen shares his journey into the mortgage world, including how his grocery store job and band days unexpectedly paved the way for a long, successful career in lending. He explains why empathy and storytelling are just as crucial as number-crunching in helping clients make informed homebuying decisions.

We dive deep into the current challenges and changes in the mortgage industry, the importance of trust and honest advice for first-time buyers, and how technology and AI are reshaping the way loans are originated and serviced. Stephen also opens up about why sacrifices, customer reviews, and consistent client experience matter more now than ever.

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