A Family-Owned Business Built on Experience, Integrity, and Personalized Service
Over Three Decades of Real-World Business Experience—Working for You
There’s a big difference between someone who knows the theory behind a financial decision and someone who’s lived it from every angle. I’m Steve Malvini, founder of Malvini Mortgage & Malvini Real Estate Group, and for more than 35 years I’ve been helping people navigate the real-world complexities of buying property, securing financing, and managing taxes—because I’ve walked those roads myself.
Long before I became a licensed mortgage broker or real estate professional, I was a small business owner, working long hours and learning firsthand what it means to manage money, invest wisely, and serve clients with heart. From owning restaurants for over 25 years to consulting with other business owners on accounting and payroll, I built a career around trust, hard work, and results.
That same commitment guides everything we do here in Salinas, CA—whether you come to us for a loan, a property, or help with your tax return.
A Consultative Approach—No Pressure, Just Clear Advice
When I started this business, I made a conscious decision to stay away from the hard-sell tactics that are so common in mortgage and real estate. I operate from a consultative model, which means no hype, no pressure, and no pushing products just to close a deal.
Instead, I take the time to understand your goals—whether that’s buying a first home, refinancing a mortgage, investing in property, or catching up on years of tax confusion. From there, I walk you through all your options, explain the pros and cons, and help you create a plan that actually fits your life.
No surprises. No shortcuts. Just honest advice, based on real experience and a deep understanding of how these services intersect.
Services That Work Together to Serve You Better
Real estate, mortgage lending, and taxes are rarely isolated topics—they affect one another constantly. And because I’m licensed and experienced in all three areas, I can help clients understand how today’s decisions might impact tomorrow’s outcomes.
That’s something few brokers or tax preparers can say. And it’s why many of our clients rely on us for more than just one service—they keep coming back because they know we’ll give them a full picture, not a fragmented guess.
My experience includes:
30+ years in mortgage lending
23+ years as a licensed real estate broker
17+ years preparing individual and business tax returns
Hands-on work in property management, business consulting, accounting services, and business financing
Whether you’re just starting your financial journey or reworking a long-term plan, I’ll help you get clarity and make confident, informed decisions.
Meet Angela—The Heart of Our Office
This business is a family operation in every sense of the word. My daughter, Angela Malvini, plays an essential role in keeping our services running smoothly. She’s our office manager, registered tax preparer, and notary public—and she brings the same professionalism, kindness, and attention to detail that clients have come to expect from our brand.
Angela handles file processing, supports client communications, and works closely with tax and mortgage files to ensure accuracy and timeliness. She’s sharp, organized, and deeply committed to providing excellent service—and I couldn’t be prouder to work alongside her.
A Straightforward Promise to Every Client
At Malvini Mortgage & Real Estate, we don’t try to be trendy, flashy, or overly complicated. We believe in one thing: doing the right thing every time.
When you work with us, you’ll always know where you stand. You’ll always speak directly with someone who understands your situation. And you’ll always get a strategy designed around your goals, not ours.
Let’s Start With a Real Conversation
If you’re looking for guidance with your next home purchase, refinancing a mortgage, navigating a real estate deal, or simply getting your taxes done right—we’re here, and we’re ready to help.
Call or text us at (831) 206-4919 to schedule a consultation or ask a question.
We’re not here to sell you—we’re here to serve you.