We’re In This Together.

Since his start in real estate, Steve Tsvetkov has provided quality service to his clients, knowledge of the mortgage industry, and an unrivaled human connection. As a homeowner, Steve personally understands how stressful it can be to go through the whole process of buying a home or business. That’s why he seeks to make the process as painless as possible for all of his clients, from beginning to end.

Steve Tsvetkov Real Estate
About Steve Tsvetkov

My Experience

Over the Years



Steve was raised in the small town of San Ramon, CA by two hardworking business owners. Steve’s mother operates a popular pet grooming salon in the city, and his father is an electrician who’s been running his own business for over 20 years in the Bay Area. This exposed Steve to skills and values that benefit his clients to this day. 


Pursued his passion

Having previously worked at Google, Steve decided to do a 180. He left his job in Silicon Valley in order to pursue a career in real estate, joining a mortgage company in San Diego that would give him a start in the industry.


Learned from the best

A year later, Steve joined a very successful mortgage broker in San Francisco with a strong desire to learn more and to grow. Working side-by-side with the best in the business, Steve gathered a wealth of knowledge and experience working with clients, adjusting to their needs, and helping them secure loans.


Joined Bayview Residential

Steve decided to become an independent Mortgage Broker with Bayview Residential, currently ranked #10 on AIME (Association of Independent Mortgage Experts). In the same year, Steve was ranked #5 out of 150 mortgage consultants who work at the company.


Ranked Among the Best 

An eventful year to say the least: Steve once again finished near the top of his company. Bayview Residential was ranked #5 nationwide on AIME (Association of Independent Mortgage Experts) with Steve personally closing over $110 million in loans and over 200 transactions.


Founded AUE Lending

Steve decided to pursue his dream of owning a mortgage company that would provide “A Unique Experience” for his clients. Thus, AUE Lending Corp. was born—a California licensed mortgage brokerage.

Happy Homeowners

Steve's Clients
Steve's Clients 2
Steve's Client's 3

Thanks to Steve we are able to spend Christmas in our new home. He was amazing to work with, always keeping us in the loop, always returning our calls(as first time home buyers we had lots of questions and bugged him a lot!) and was super professional, efficient, approachable. It almost felt like we were dealing with our family member. He got us our loan, we got our house. Will not ever use anybody else but him for our future real estate loans. Only the best impressions!! Our family thanks you!!

-Jamila Umarova

Steve helped me refinance my mortgage very well. During the loan processing, there was a confusion with the income reported in my tax returns, and Steve had to find a CPA who was able to make the corrections in a very short time to make sure we stay within the rate lock period! So, I was fortunate that I decided to go with Steve because other lenders would probably not be able to complete this loan for me. I would highly recommend him!

-Volkov Ruslan

Our friends recommended Steve and he didn’t disappoint. We got the BEST rate EVER from this guy!!! Considering our jumbo loan – it’s like a gift sent from above! He is professional, knows what he is doing by bringing the best deal for you and VERY VERY easy to reach! Whenever we called – he picked up immediately – very rare virtue nowadays! Highly recommend! If you are in refinance mode- call him!

-Natalia Turley


Steve helped us receive 4 mortgage loans in the last year, we completed 2 refinances through him which set us up to buy our new dream home last month, he also helped us open an equity line of credit right after our purchase to help with any future home improvements. Because my husband has a construction company it makes it very difficult to qualify for conventional loans, Steve was able to somehow exclude some items from our monthly debt and help us qualify for a low 30 year fixed rate. I am very happy that people like him still exist with todays tough lending guidelines. I highly recommend him to anyone looking to secure real estate financing.

-Oksana Fagenboym