We Built the Mortgage
Company We Wished Existed.
Founded in 2021, Turn Times was built on a simple belief: every homeowner deserves access to wholesale rates and a mortgage process that actually moves fast.
Fast Closings.
Real Relationships.
Turn Times exists to give every homebuyer access to the same wholesale mortgage rates that banks and big lenders keep to themselves — paired with a process fast enough to actually win in today's market.
Our name says it all. We turn times around. Licensed in California and Colorado, with more states on the way, we're growing one relationship at a time — built on transparency, speed, and rates that make a real difference.
"We started Turn Times because we believed homeowners deserved better — better rates, faster closings, and a broker who actually works for them. That belief hasn't changed.
SRSteven ReachCo-Founder, Turn Times
What We Stand For
Speed Without Compromise
We close in 14 days on average — without cutting corners on accuracy, compliance, or service quality.
People First
Every decision we make starts with one question: is this the best outcome for the borrower? Not the bank, not the investor — the borrower.
Radical Transparency
No hidden fees. No bait-and-switch rates. We show you exactly what you're getting and why, in plain language.
Relentless Improvement
We measure everything — close times, satisfaction scores, rate competitiveness — and we share those numbers publicly.
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 faster, simpler, and more human.
Steven Reach
Co-Founder
Co-founded Turn Times in 2021 with a mission to give every homebuyer access to wholesale mortgage rates and a faster, more transparent loan process.
Henry Vo
Co-Founder
Co-founded Turn Times in 2021 alongside Steven Reach, bringing deep expertise in mortgage brokerage and a commitment to delivering real value to borrowers.
Buan Gultom
Head of IT
Leads the technology infrastructure at Turn Times, ensuring the platform and systems that power fast, seamless mortgage experiences are always running at their best.
How We Got Here
Turn Times founded in Orange, CA by Steven Reach and Henry Vo — built on the belief that every homeowner deserves access to wholesale rates and genuinely fast closings.
Obtained California mortgage broker license (NMLS #2099552) and began serving homebuyers across the state, focusing on competitive wholesale pricing and transparent service.
Expanded licensing to Colorado, bringing Turn Times' wholesale-rate access and fast-close 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.
More states coming soon. Turn Times remains committed to its founding mission: wholesale rates, fast turn times, and a mortgage experience built around the borrower.
Industry Awards & Recognition
Our commitment to excellence has been recognized by the industry's most respected organizations.
Ready to Experience the
Turn Times Difference?
Join the growing number of homeowners who chose Turn Times for wholesale rates, fast closings, and a mortgage experience built around them.