Three Decades, One Team
For more than 30 years, Sanjesh Sharma and Michelle Urias have built this business side by side, a partnership that started as a small mortgage brokerage and grew into something far larger. From a modest start, they grew into a 6,000 square foot office, operated as a branch of a local brokerage, launched their own brokerage, and ultimately partnered with a full mortgage banker. Every step added capability. None of it changed the way they treat clients. Today the team runs lending in-house, from loan origination to funding, with Michelle keeping every file moving and every client informed. It is a small team by design, close enough that nothing falls through the cracks.
Leadership & Professionals
Sanjesh Sharma
Michelle Urias
Ashton Sharma
Araceli Sharma
Powered by Statewide Funding
The Sharma Group operates as a branch of Statewide Funding, Inc., a hybrid mortgage banking firm headquartered in Ontario, California. The team originates, processes, underwrites, draws documents, and closes internally, funding its own FHA, VA, conventional, and non-conforming loans. When a client's situation calls for something more specialized, the firm can broker through a network of over 70 lenders, so the answer is rarely no. It is the best of both worlds: the speed and control of an in-house lender with the reach of a nationwide network.
70+ Approved Lenders
Broad market access for niche financing cases.
Direct — In-House Underwriting
Decisions processed locally by our internal team.
100% — Direct Funding
Immediate drawing of documents and loan closing.
