Conventional Loans
As little as 3% down for qualified buyers. Best fit when your credit is solid and you want to avoid long-term mortgage insurance.
Mortgage Lending
A loan program chosen for your situation, not the lender's convenience
I compare programs side by side and show you the real monthly payment, the cash to close, and the trade-offs — before you commit to anything.
Loan programs
Financing for nearly every borrower
Whether you're buying your first home, moving up, investing, or refinancing what you already own, there's a structure that fits.
FHA Loans
3.5% down with more flexible credit requirements. A strong option for first-time buyers or anyone rebuilding credit.
VA Loans
Zero down payment and no monthly mortgage insurance for eligible veterans, active-duty service members and surviving spouses.
Jumbo Loans
Financing above conforming limits for higher-priced homes, with competitive pricing and flexible reserve requirements.
Self-Employed & Bank Statement
Programs that qualify you on deposits or assets when your tax returns don't reflect your real income.
Refinancing
Lower your rate, shorten your term, drop mortgage insurance, or take cash out for renovations and debt consolidation.
What to expect
How the loan process works
- Application and document review — usually same day.
- Written pre-approval letter you can attach to an offer.
- Rate lock discussion, including how long you need and what it costs.
- Processing, appraisal and underwriting with weekly status updates.
- Final loan disclosure reviewed line by line before you sign.
- Signing and funding, coordinated with your escrow or closing attorney.
Know your payment first
Before you tour a single home, run your numbers. The calculators give you a realistic monthly payment including taxes and insurance, not just principal and interest.
Questions
Mortgage FAQs
What documents do I need to apply?+
Typically two years of W-2s or tax returns, 30 days of pay stubs, two months of bank statements, and a photo ID. Self-employed borrowers may need business returns or bank statements instead.
How is a pre-approval different from a pre-qualification?+
A pre-qualification is an estimate based on what you tell me. A pre-approval means I have reviewed your actual income, assets and credit. Sellers treat those very differently when reviewing offers.
Should I pay points to buy down my rate?+
Only if you will keep the loan long enough to break even. I will show you the exact break-even month in writing so the decision is arithmetic, not a sales pitch.
How long does a purchase loan take to close?+
Most purchase loans close in 21 to 30 days when documents come in promptly. Refinances usually take 30 to 45 days.
Service area
Where I work
Serving Fontana, Rancho Cucamonga, the Inland Empire, and surrounding communities.
- Fontana, CA
- Rancho Cucamonga, CA
- Ontario, CA
- Upland, CA
- Rialto, CA
- Chino, CA
- Chino Hills, CA
- Claremont, CA
- Corona, CA
- Riverside, CA
- San Bernardino, CA
- Redlands, CA
- Eastvale, CA
- Yucaipa, CA
Office at 9431 Haven Ave, Rancho Cucamonga, CA 91730. Don't see your city? Call (909) 910-2634 — I lend throughout California.