Our Home.
Your Community.
Theos Financial is proudly rooted in Valencia, CA — at the heart of the Santa Clarita Valley. We are not just mortgage experts; we are your neighbors. From the trails of Canyon Country to the master-planned communities of Valencia and the charming streets of Saugus, we know every corner of this valley because we live and work here.
Last updated: March 2026
Why People Love the
Santa Clarita Valley
The Santa Clarita Valley consistently ranks among the safest and most family-friendly communities in Los Angeles County. With over 300 days of sunshine, excellent schools, and a small-town feel just 35 miles from downtown LA, it is no wonder the valley is one of the fastest-growing regions in Southern California. Whether you are a first-time buyer looking for an affordable entry into homeownership or a growing family seeking top-rated schools and outdoor recreation, the SCV has something for everyone.
The valley encompasses several distinct communities, each with its own character. Valencia is known for its master-planned neighborhoods, Valencia Town Center, and Six Flags Magic Mountain. Saugus offers a more established, charming feel with easy access to the Placerita Canyon Nature Center. Canyon Country provides larger lots and a more rural atmosphere perfect for equestrian families. Together, they form a diverse and vibrant community where our team at Theos Financial is proud to serve.
Explore Our
Neighborhoods
Each community in the Santa Clarita Valley has its own personality, price range, and lifestyle. Explore our detailed neighborhood guides to find the area that best fits your family, budget, and priorities. When you are ready, our sister company Theos Realty can help you find the perfect home, and our loan programs will get you the best financing.
Valencia
The crown jewel of the SCV. Master-planned communities, Valencia Town Center, excellent schools like West Ranch and Valencia High, and proximity to entertainment. Home to our office at 23734 Valencia Blvd. Popular with families, young professionals, and retirees alike. Median home prices range widely, with options from condos to luxury estates — explore conventional or jumbo financing.
Explore ValenciaSaugus
Established neighborhoods with character, tree-lined streets, and a strong sense of community. Home to Saugus High School and close to the Placerita Canyon Nature Center. Slightly more affordable than Valencia, making it a great option for first-time buyers using FHA or conventional loans.
Explore SaugusCanyon Country
Larger lots, open spaces, and a more rural feel for those who crave room to breathe. Popular with equestrian families and outdoor enthusiasts. The most affordable entry point into the SCV, with excellent options for FHA and VA buyers.
Explore Canyon CountryFor a comprehensive overview: Complete Santa Clarita Valley Guide | Get a free home valuation for any property in the valley
Real Estate
Market Snapshot
The Santa Clarita Valley real estate market remains strong, driven by its excellent quality of life, proximity to Los Angeles, and continued development. Whether you are buying, refinancing, or investing, understanding the local market is crucial.
Steady Appreciation
Home values in the Santa Clarita Valley have shown consistent year-over-year appreciation, making it an excellent market for long-term homeownership and real estate investment. Properties in Valencia tend to command premium prices, while Canyon Country offers the best entry points. Use our home valuation tool to check current values.
Competitive Market
Well-priced homes in desirable neighborhoods can receive multiple offers. That is why getting pre-approved before you start shopping is essential. A strong pre-approval letter from Theos Financial shows sellers you are a serious, qualified buyer. Work with Theos Realty for an integrated mortgage-and-real-estate experience.
Award-Winning Schools
The Santa Clarita Valley is served by the William S. Hart Union High School District and three elementary districts, all highly rated. Schools like Valencia High, West Ranch High, and Saugus High consistently earn top marks. For families, the schools alone make the SCV one of the best places to buy a home in LA County.
Lifestyle & Recreation
From over 100 miles of trails and 36 parks to Six Flags Magic Mountain and the MAIN event center, the valley offers endless recreation. The Castaic Lake Recreation Area, Vasquez Rocks, and the Santa Clarita Paseo trail system make outdoor living a daily experience. It is this quality of life that keeps bringing new families to the area — and keeps our loan officers busy helping them get financed.
Mortgage & Real Estate
Under One Roof
Theos Financial and Theos Realty work together to provide a seamless home buying experience. CEO Peter Girgis leads the mortgage team, while Lina Girgis leads real estate operations. This integrated approach means faster closings, better communication, and a smoother experience from start to finish.
Theós Realty
Led by Lina Girgis, our real estate team helps buyers and sellers throughout the Santa Clarita Valley. From finding your dream home to negotiating the best price, Theos Realty has you covered.
Learn MoreHome Valuation
Get an instant estimate of any property's value in the valley. Whether you are buying, selling, or considering a cash-out refinance, knowing your home's current market value is essential.
Get EstimateStart Your Purchase
Ready to buy in the SCV? Visit our Buy a Home hub to explore loan programs, get pre-approved, and connect with our team. We close loans in as few as 14 days.
Buy a Home
Ready to Find Your
California Home?
Our team — Peter Girgis, Hani Eid, Khaled Saleh, and Christina Boktor — brings deep local knowledge and access to 200+ lenders. Call 661-812-3950 or email peter@theosfinancial.com.
We Serve All of
California
From the Santa Clarita Valley to the Bay Area, we help Californians finance their homes with the best rates from 200+ lenders. Learn about getting a mortgage in California.