SoCal's Most

Reliable Mortgage Lender

Licensed in CA, AZ, NV

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Welcome to Credit Repair

WE HELP

TO GROW YOUR BUSINESS

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We Help Clients To Get Success

Our mortgage lenders are dedicated to guiding you through every step of the home financing process with professionalism and care. We start with personalized consultations to understand your unique financial situation, goals, and needs, helping you select a mortgage plan that aligns with your budget and long-term objectives. Clear and transparent communication is a priority—we explain complex terms in straightforward language, keeping you informed and confident in your decisions. With access to a wide range of mortgage products, including fixed-rate, adjustable-rate, FHA, VA, and jumbo loans, we ensure you have the best options tailored to your needs. We negotiate with multiple lenders to secure competitive interest rates, potentially saving you money over the life of your loan. Our streamlined application process, featuring digital tools and step-by-step guidance, simplifies everything from pre-qualification to closing, so you can focus on finding your dream home. We assist with mortgage pre-approval, making your home offers more attractive to sellers by helping you understand how much you can afford. If credit is a concern, our team provides strategies to improve your credit profile before applying, increasing your chances of better loan terms. Our support doesn’t end at closing—we remain available for any questions or refinancing needs that may arise, building lasting relationships and offering continued guidance.

Above all, we’re committed to your long-term success, offering advice on managing your mortgage effectively and planning for the future, ensuring you stay on track with your homeownership goals.

About Us

We Help Clients To Get Success

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What we do

Our Services

FINANCIAL CONSULTATION

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CREDIT REPORTS

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PLANNING & CONDUCTING

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FINANCIAL CONSULTATION

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First, our partners gather some

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CREDIT REPORTS

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First, our partners gather some

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PLANNING & CONDUCTING

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What we do

Our Services

FINANCIAL CONSULTATION

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First, our partners gather some

information to verify

CREDIT REPORTS

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First, our partners gather some

information to verify

PLANNING & CONDUCTING

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First, our partners gather some

information to verify

FINANCIAL CONSULTATION

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First, our partners gather some

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CREDIT REPORTS

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PLANNING & CONDUCTING

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Book a free Consultation

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Staff

Our Team

Jasika Fersh

Founder

Ron Bil

CEO

Robin Cattor

Advicer

My History

Jimmy entered the loan business in 1989 as a loan officer in Cerritos, California, where his honesty and integrity propelled him to top producer status among his peers. His successful origination career led him to become a Branch Manager for a national lender, where he managed one of the organization’s most professional and profitable branches. Born and raised in Southern California, Jimmy graduated with honors from St. John Bosco Private High School and continued his education at Cerritos College. He remains closely connected to his community, and the values of integrity and stability he cultivated in his youth are reflected in the exceptional customer service he provides. Jimmy's vast personal and professional experiences make him uniquely equipped to navigate the complexities of today’s mortgage market. He continues to enjoy helping clients find loan solutions tailored to their financial goals, while also mentoring team members to reach their full potential, both in their careers and in life. Outside of work, Jimmy loves spending time at his river home with friends and family. He enjoys boating, cooking, exploring fine wines, and is known for making a mean Old Fashioned cocktail.

History

History Of Our Company

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1500+

Successful Project

242+

Running Project

250+

Happy Clients

2500+ Happy Customers

TESTIMONIALS

What others are saying

"Jimmy went out of his way to take care of my needs, best experience ever - Glenn H.

"Jimmy was a great communicator which is key for me. I loved the attention to detail, and Jimmy reassured me with numbers every step of the way." - Lorena P.

"Jimmy was a great help as usual. I loved how easy it was to upload documents to the portal from my phone - Chris G

"After meeting with Jimmy Lucero, I know it is a good fit, He's been extremely helpful throughout the whole process.." - Jered H.

Frequently Asked Question

How much home can I afford?

You can typically afford a home priced 3-5 times your annual household income, assuming you have a 20% down payment and moderate existing debt. However, a more accurate way is to consult with a lender to get pre-approved for a loan, which factors in your credit score, monthly debts, income, and the type of loan you're eligible for.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is an estimate of how much you might be able to borrow, based on basic financial information you provide. Pre-approval, on the other hand, involves a more thorough evaluation of your credit and financial situation, and gives you a more definitive loan amount. Pre-approval carries more weight with sellers.

How much do I ned for a down payment?

The standard down payment is 20% of the home’s purchase price, but many buyers qualify for lower down payments. Conventional loans can require as little as 3-5%, FHA loans as little as 3.5%, and VA or USDA loans may require no down payment at all, depending on eligibility.

What are closing costs, and how much should I expect to pay?

Closing costs typically range from 2% to 5% of the loan amount and include fees like appraisal, title insurance, lender fees, attorney fees, and property taxes. You can sometimes negotiate for the seller to cover part of these costs, or roll them into your mortgage, depending on your lender and the loan terms.

How long does it take to buy a house

The home-buying process can take anywhere from 30 to 60 days from the time your offer is accepted, depending on factors like financing, inspections, and negotiations. However, if there are delays with underwriting or other processes, it could take longer.

What client say about us

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Darcel Ballentine

Barone LLC.

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Quick Links

About Us

Services

Contact Us

Social Media Links

Facebook

Instagram

Linkedin

Contact Us

(562) 232-4827

8345 Firestone Blvd | Suite 101 & 102 Downey, CA 90241

Copyright 2022 . All rights reserved