Personalized Mortgage, Real Estate, and Tax Preparation Services in Salinas, CA
A Unique Blend of Expertise That Works for You
For more than three decades, I’ve had the privilege of working with people across California to help them buy homes, secure financing, and navigate the complex world of taxes. My name is Steve Malvini, and I founded Malvini Mortgage & Malvini Real Estate Group with one simple goal: to make life’s biggest financial decisions easier and smarter for everyday people.
What sets me apart is more than just credentials or years on paper—it’s the interconnected experience across real estate, mortgage lending, and tax strategy. This combination gives me a rare ability to help clients not just qualify but optimize—whether you're applying for a home loan, preparing to list a property, or planning your next tax season.
A Little Background—And Why It Matters
I’ve spent over 30 years in the mortgage industry, helping individuals and families understand their financing options and secure the loans that work best for their goals. Alongside that, I’ve worked as a licensed real estate broker for over 23 years, helping clients buy and sell homes with strategy and confidence.
Add to that 17 years in tax preparation—and it becomes clear why so many of my clients rely on me not just for one service, but for a well-rounded financial perspective.
I've also spent over 20 years running small businesses, including time in the restaurant and consulting industries. That experience taught me the value of hard work, honest service, and smart planning—the same principles I apply with every client today.
Services Tailored to Your Financial Life
Whatever your situation, you're never getting a generic pitch here. I take the time to listen, assess, and explain every option—because I know how personal these decisions really are. Whether you're planning a home purchase, applying for a loan, or untangling a tax issue, you'll get a solution that's customized and clear.
Our Core Services Include:
What You Can Expect When We Work Together
There’s a lot of noise in this industry—from fast-talking agents to confusing paperwork and shifting rules. My approach is the opposite. I take the time to offer an unbiased consultation, provide a detailed analysis of your options, and walk you through every step of the process.
No pressure. No surprise fees. No cookie-cutter advice.
It’s this calm, confident approach that makes my clients come back—not just for one service, but over a lifetime of financial decisions.
Family-Run With a Personal Touch
Supporting me in the business is my daughter, Angela Malvini. Angela manages the day-to-day operations and is also a registered tax preparer and certified notary. She brings the same professionalism and warmth to our clients that I strive for in every conversation.
We may be a small team, but that’s our strength. When you call, you’re not passed around—you’re speaking directly with someone who understands your needs and is ready to help.
Serving California With Integrity and Insight
While we’re proudly based in Salinas, CA, our reach goes far beyond Monterey County. We regularly serve clients throughout Santa Cruz, Placer, San Luis Obispo, and other regions across California.
Whether you’re buying your first home, refinancing your current mortgage, or sorting out years of tax documents—we're here to guide you through it with clarity and compassion.
Let’s Talk—No Strings, Just Strategy
Every client conversation starts the same way: a real conversation. If you’re ready to talk through your goals—or if you simply need clarity on what your next step should be—I’d be happy to help.
Call or text me directly at (831) 206-4919. Let’s figure out what works best for your life and your finances.