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About Us

About Full Circle

Full Circle Home Loans is here to provide you with the very best experience when it comes to buying or refinancing your home. We deliver superior service with excellent communication and the best education from beginning to end. Our 24/7 availability by phone, text, or email will provide you with up to the minute answers to all your questions. We will walk you through the process from start to finish and our team will present all your options so you are empowered to make the decisions on your home loan. Lastly, if you are a REALTOR, feel free to reach out to us for more information on how we can work together and empower our customer’s experience.

For more detailed information, browse our site and feel free to call us today at 909-985-0088 or 951-538-6093.

Meet Our Team

Seth Anapolsky

Owner, Broker - NMLS ID 235211
Spencer Colburn

General Manager
Yanina Wright

Processing Manager
Nick Gonzalez

Mortgage Loan Originator - NMLS ID 407520
Chenoa Cortez

Client Relationship Manager
Bill Green

Realtor/Client Representative

Seth Anapolsky

Owner, Broker - NMLS ID 235211

Direct: 951-538-6093
Fax: 951-572-3575

Seth Anapolsky is the founder and owner of Full Circle Home Loans. His journey into the mortgage industry started when he interned for a mortgage brokerage in 2002 during his senior year at UC Riverside. After he graduated in 2003, he was offered a full-time position as a mortgage loan officer and decided to make a career out of it. What peaked his interest was meeting new people and helping families achieve the dream of owning a home. Seth has stated that the best part about what he does is helping people purchase their first home and eventually their “forever” home. He also enjoys helping clients lower their payments by refinancing and saving them money.

After the economy started to show signs of collapse in 2008 due to unethical Wall Street and bank lending tactics, Seth made a commitment that he wanted to be the mortgage lender that would earn people’s trust by educating, explaining, and being transparent throughout the entire mortgage process. With this vision, he started Full Circle Home Loans in the summer of 2009 and has continued to emphasize this philosophy to this day. As word spread throughout the region, Seth established multiple relationships with companies & institutions that wanted to have this same type of mortgage ethics for their employees & associates. Full Circle Home Loans has been a benefit affiliate for multiple enterprises and their employees including the City of Riverside, City of Rialto, Rancho California Water District of Temecula, Fire stations, Police stations and many more.

Full Circle Home Loans has been the trusted lender recommended by numerous REALTORS including CENTURY 21 Murrieta, RE/MAX Registry Temecula, and dozens of other individual REALTORS. Many accountants, financial advisors, and attorneys recommend their clients to contact Seth to review their circumstances – whether they need cash out of their home or want to secure an investment property to earn rental income for retirement and tax benefits.

Seth is dedicated to his vision of helping clients the ethical way – an attitude that is the same with everyone on his team of professionals. He makes himself available to clients and tries to be as responsive as possible 24/7 with calling, texting, or emailing.

When Seth is not working on your mortgage, he loves to travel with his wife and his newborn son. He also enjoys watching and playing sports with friends and family or enjoying a nice glass of cabernet from Napa Valley. He loves animals and has a household that includes 3 dogs, 2 potbelly pigs, and 7 chickens.

Spencer Colburn

General Manager

Direct: 951-368-8513
Fax: 951-572-3575

Spencer graduated from the University of California Riverside in June 2010 with a Bachelor of Arts Degree in Business Economics. He began working for Full Circle Home loans as the first employee hired by the company in 2009 while completing his Degree. After a brief one year hiatus to help his brother who was serving active duty for the Navy, Spencer returned to Full Circle Home Loans full time in September 2011. He has worked his way from a part-time employee to the General Manager of the company in the short time since. Spencer is meticulous with reviewing all our client’s documents as he pre-underwrites every file prior to submission. He prides himself in making sure all our client’s documents are prepared so our clients will have a smooth and seamless transaction. Utilizing his background in economics, he has become an academic in evaluating when it may be the best time to lock a loan. Full Circle has a team approach with everything including the lock policy but Spencer has excelled in advising the owner and originators. When Spencer is not hard at work on your loan, he enjoys travelling, bringing his dog to work every day, and riding his bicycle all over Southern California. He is an avid Game of Thrones reader and would be more than happy to answer any question about the show during your transaction.

Yanina Wright

Processing Manager

Direct: 909-730-4593
Fax: 909-728-4513

Yanina Wright is the Processing Manager with Full Circle Home Loans. Since 2005, Yanina Wright has been working in the Mortgage & Real Estate industries. She started her career as a Jr. Processor and quickly became the top processor in her company. She regularly managed 20+ loan officers and became Sr. Processor in no time. In addition to handling mortgages on a daily basis, she worked as an escrow officer assistant for a local Escrow Company for 2 years. Yanina was given the opportunity to work for a national direct lender as a Jr. Underwriter for just over 4 years. She wanted to work directly with the clients again so she became Sr. Processing Manager at Full Circle Home Loans in 2012. When she’s not hard at work in the office… she’s hard at work with her sporty family of 7. Yanina is the mother of 2 beautiful daughters, Malia & Gabriella. She recently married her Mr. Wright (which is now her last name) and blended 3 additional beautiful children. Yanina is passionate about helping animals and recently rescued a stray puppy named Kaepernick to join the family. She coaches her kid’s soccer teams, attends boot camp every morning at 5, loves to travel & is a taxi cab driver for all her children’s events, school, and extracurricular activities. She is passionate about being involved with her family but also the community. She does all of this while being available 24/7 for her clients!

Nick Gonzalez

Mortgage Loan Originator - NMLS ID 407520

Direct: 909-275-1077
Fax: 951-572-3575

Nick Gonzalez is one of the mortgage loan originators with Full Circle Home Loans. He started his career in financial services in 1999 as a licensed commodities broker. He was given the opportunity to get involved in mortgage lending in 2003 for a national direct mortgage lender in Phoenix, Arizona. Nick then was recruited to help client’s obtain mortgages for one of America’s largest lenders in 2007. After a merger took place and less personal attention was given to the clients, Nick decided to work with a broker in Arizona. The more personal attention given as a boutique lender is what Nick discovered as his passion. He decided to move back out to California in 2012 and was offered to become a mortgage loan originator with Full Circle Home Loans. When Nick is not assisting clients and agents with their transactions, he spends time with his beautiful teenage daughters and enjoys walking his Great Dane named Dodger. He also enjoys watching sports with friends, cooking, listening/playing live music and writing.

Chenoa Cortez

Client Relationship Manager

Direct: 909-560-5865
Fax: 951-572-3575

Chenoa Cortez is the Client Relationship Specialist with Full Circle Home Loans. She is one of the most positive individuals you will ever meet and she thoroughly enjoys working with her clients. She is instrumental in helping you get your loan approved. Her positivity stems from being involved in cheerleading throughout her life including coaching kids both in high school and middle school levels. She wanted to show her optimistic personality by interacting with people on a daily basis. Chenoa worked for one of the largest water distributors in the country in the customer service and retention departments. Although she learned a lot and gained valuable information, she knew she wanted to have a more meaningful impact on customers so she sought a career in mortgage. Full Circle Home Loans was proud to offer her a full time position with assisting customers and preparing them for their purchase and/or refinance of their home. She absolutely loves to make every client happy with their experience and her goal is to always receive positive feedback. If there was a slogan for her it would be: “let the pursuit of happiness guide your day.” When Chenoa is not working on your mortgage loan, she is spending time with her husband and beautiful daughters.

Bill Green

Realtor/Client Representative

Direct: 951-212-3335
Fax: 909-728-4513

Bill Green is the Client/Realtor Representative with Full Circle Home Loans. His journey into mortgages started when he worked as a junior loan officer for a mortgage brokerage for 2 years after he graduated high school. He went on to spend the next 5 years as a licensed electrician which led him into becoming a partner for an IT firm. During his time there is where he knew he had a passion in helping clients obtain and achieve their goals. Through education and research accompanied with great communication, he has always strived to provide the best possible service to his clients. In 2012 he received an opportunity he could not pass up and was offered a position with the Full Circle Home Loans team. He has continued his passion in helping clients and facilitating communication with all parties involved to ensure every client has a positive experience. Bill is as 24/7 you will get when it comes to response times. He loves helping 1st-time buyers achieve their dream of home ownership as he still remembers the loan officer that helped his parents achieve that dream years ago. He is motivated by clients telling him how he helped to make the experience of buying or refinancing a home such a positive experience.

When Bill is not working with clients and home loans, he an avid sports and music fan. He loves spending quality time with his family and friends.