We Built the Mortgage
Company We Wished Existed.
Founded in 2021, Turn Times was built on a simple belief: every homeowner deserves access to loan options from wholesale lenders and a mortgage process that is clear and responsive.
Responsive Guidance.
Real Relationships.
Turn Times helps homebuyers compare wholesale mortgage options from wholesale lenders, paired with clear communication and a borrower-focused process.
Our name says it all. We turn times around. Licensed in California and Colorado, we are growing one relationship at a time — built on transparency, responsiveness, and access to more lender options.
Built around your goals
Turn Times was founded to help borrowers compare lender options with clear guidance, responsive communication and a broker who advocates for them.
Steven Reach and Henry Vo · Co-Founders
What We Stand For
Speed Without Compromise
We move efficiently on well-prepared files while keeping borrowers informed; closing timelines vary by loan type, property, appraisal, and underwriting.
People First
Every decision we make starts with one question: is this right for the borrower? Not the bank, not the investor — the borrower.
Radical Transparency
Fees, including any origination fee, lender charges, points and third-party costs, are disclosed on your Loan Estimate.
Relentless Improvement
We regularly review our processes and borrower feedback to improve communication, transparency, and service.
Community Roots
Based in Orange County, CA, we're committed to helping California families and communities build generational wealth through homeownership.
Team of Experts
Every Turn Times loan officer is licensed, experienced, and personally accountable to the clients they serve.
The People Behind Turn Times
Experienced mortgage professionals united by a shared mission to make homeownership simpler and more human.
Steven Reach
Co-Founder
Co-founded Turn Times in 2021 and leads the company's vision and the architecture behind how every loan gets done.
Henry Vo
Co-Founder
Co-founded Turn Times in 2021 and runs processing and operations, keeping every file moving from application to closing.
Buan Gultom
Head of IT
Leads the technology infrastructure at Turn Times, keeping the platform and systems behind the borrower experience running reliably.
Reza Soeparmo
Director of Partnerships
Builds relationships with real estate agents and partners to bring more borrowers to Turn Times.
How We Got Here
Turn Times founded in Orange, CA by Steven Reach and Henry Vo — built on the belief that every homeowner deserves transparent access to loan options from wholesale lenders and responsive service.
Began serving homebuyers across California, focusing on clear, transparent service.
Expanded licensing to Colorado, bringing Turn Times' borrower-first service model to a second state. Established headquarters at 333 City Blvd W, Orange, CA.
Continued growing the client base across CA and CO. Launched the Turn Times Learning Center to help first-time buyers navigate the home financing process with confidence.
Turn Times remains committed to serving borrowers in California and Colorado with loan options from wholesale lenders, clear communication, and a mortgage experience built around the borrower.