Mortgage Loans & Financial Services
Get the guidance you need with Home Loans!
Mortgage Loans & Financial Services
Get the guidance you need with Home Loans!
Services & Loan Programs
Purchases & Refinances
Loan Products & Programs
Loan Products & Programs
Mortgage Home Purchase Loans without the Hassle!
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn’t have to be stressful!
We’re here to make the home loan process easier, with tools and knowledge that will help guide you along the
Mortgage Home Purchase Loans without the Hassle!
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn’t have to be stressful!
We’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with a Home Loan Pre-Approval.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you, whether you’re a first-time homebuyer or a repeat buyer.
The Home Purchase Loan Process
Here’s how our home purchase loan process works:
- Complete an Application Online
- Receive options based on your unique criteria and scenario
- Average home loan processing to funding is 21 days after your sign your Purchase Agreement
Loan Products & Programs
Loan Products & Programs
Loan Products & Programs
We have more than 60 Lending Partners with a plethora of Home Loan programs
- Down Payment Assistance for First Time Home Buyers
- Fixed & ARMs
- Conventional Loans
- FHA Loans
- VA Loans
- Self-Employed Home Loans
- Rental Property
- Foreign National Home Loan
- Home Equity Line of Credit Loans
- Fix-N-Flip
- Construction
- Alt-Doc Loan Programs
- and many more
Business Loan p
We have more than 60 Lending Partners with a plethora of Home Loan programs
- Down Payment Assistance for First Time Home Buyers
- Fixed & ARMs
- Conventional Loans
- FHA Loans
- VA Loans
- Self-Employed Home Loans
- Rental Property
- Foreign National Home Loan
- Home Equity Line of Credit Loans
- Fix-N-Flip
- Construction
- Alt-Doc Loan Programs
- and many more
Business Loan programs
- Working Capital
- Equipment Financing
- Asset-Based Lending
- Business Line of Credit
- Business Term Loans
- SBA Loans
Our Services
Loan Products & Programs
Our Services
Whether you’re buying, selling, refinancing, or building your dream home, we are available to help you sort things out with mortgage loans.
Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice on home loans.
Whether you’re buying, selling, refinancing, or building your dream home, we are available to help you sort things out with mortgage loans.
Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice on home loans. I have the expertise and knowledge you need to explore the many financing options available.
Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with home loan information & mortgage services that exceed their expectations. Helping more families acquire their new home since 2000.
Documents Needed for Loan Pre-Approval
Conventional & FHA loan program
- Complete 1003 Uniform Residential Loan Application (Online)
- 2 Years - 1040 Recent Tax Returns with all schedules
- 2 Months - Bank Statements (Proof of Funds, download from online banking
- 2 Months - Paystubs
- ID - Drivers License and SSN card
- Borrower Authorization
- Retirement Funds Statements
- Social Security awards letter (if applicable)
- Divorce decree (if applicable)
- Bankruptcy discharge letter (if applicable)
- Bankruptcy history (if applicable)
VA loan program
- Complete 1003 Uniform Residential Loan Application (Online)
- Certificate of Eligibility
- 2 Years - 1040 Recent Tax Returns with W2
- 2 Months - Recent Paystubs
- ID - Drivers License and SSN card
- Borrower Authorization
- Retirement Funds Statement
- Bank statements from checking, savings and retirement accounts
- A Certificate of Eligibility (COE)
- A DD-214, Statement of Service or Points Statement (this will depend on your type of service)
- VA disability awards letter (if applicable)
- Social Security awards letter (if applicable)
- Divorce decree (if applicable)
- Bankruptcy discharge letter (if applicable)
- Bankruptcy history (if applicable)
Self-Employed Home Loan
- Complete 1003 Uniform Residential Loan Application (Online)
- 12 to 24 months of Bank Statements (download from online banking)
- ID - Drivers License and SSN card
- Borrower Authorization
- Retirement Funds Statement
- State and business licenses you hold
- Proof of Business in Operations (advertisement, website, business card)
- Letter from a professional organization that can attest to your business
DSCR - Debt Service Coverage Ratio
- Complete 1003 Uniform Residential Loan Application (Online)
- Appraisal will include Survey for Rental Income
- ID - Drivers License and SSN card
- Borrower Authorization
- Reserve Account Statement
Alt-Doc Loans (Alternative Documentation)
- Complete 1003 Uniform Residential Loan Application (Online)
- 12 Months - Bank Statements (Proof of Funds, download from online banking)
- Income from Annuities, Retirement Funds, Permanent Disability, Corporate Buyout
- ID - Drivers License and SSN card
- Borrower Authorization
- Retirement Funds Statement
- SSA Annual Benefit Letter
These documents are the basic. The Underwriter will have the discretion to ask for more documentation to complete financial review.
About Us
"Empowering Your Home Financing Journey: Your Trusted Mortgage Loan Officer specializing in Greater Sacramento, San Jose, San Francisco Bay Area, and it's suburban communities since 2000.
In the dynamic landscape of real estate, your choice of a loan specialist is pivotal. Whether you're purchasing, selling, refinancing, or building your dream home, the stakes are high. Market fluctuations and evolving mortgage programs demand swift and precise financial counsel from a seasoned professional.
With a track record spanning over two decades, I bring unparalleled expertise and insight to guide you through the myriad of financing options. Your satisfaction & peace of mind are paramount in every decision.
As a son of an immigrant family from the Philippines who grew up in the Bay Area, I take joy in helping families fulfill their dreams of becoming homeowners in this vibrant region. Growing up amidst the allure of the Golden State, I understand the unique appeal of California living and the pride of ownership it brings. From cheering on the SF 49ers to celebrating victories with the Golden State Warriors, I share in the passion for our local teams and the spirit of community they inspire.
Committed to surpassing your expectations, I offer personalized mortgage services tailored to your unique needs. From initial consultation to closing, I am dedicated to ensuring that you and your family make informed choices that align with your long-term goals.
Ready to embark on your home financing journey? Contact me today for a complimentary consultation and let's navigate the path to your homeownership dreams together."