Licensed in CA, AZ, NV
WE HELP
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.
"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.
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.
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.
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.
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.
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.
Darcel Ballentine
Barone LLC.
Leatrice Handler
Acme Co.