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Albert: Your Personalized Home Loan Guide to Homeownership

Passionate About Tailoring Solutions for Your Dream Home

About me

There are many rewarding aspects of working in the mortgage industry, but one of the most fulfilling is helping people achieve their dream of homeownership. It's incredibly satisfying to see the joy and relief on clients' faces when they realize they can afford their dream home or when they successfully refinance to improve their financial situation. Additionally, the industry is always evolving, which keeps things interesting and challenging. Every client's situation is unique, so there's always something new to learn and different ways to help.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

home equity insights

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.

4.81 out of 5.0 stars

4.17

3.33

4.97

Ashley

Feb 29, 2024

Verified

The whole process was great they worked with my schedule. They helped me out with everything when I had question they answered it fast. I thank them for making a first time homeowner been trying for years and writhing 3 weeks they got me my new home.

Casey De A

Feb 29, 2024

Verified

Albert was always available to answer any and all questions. Always proactive and had solutions for everything. It was a pleasure working him and looking forward to again in the future!

Gary

Dec 21, 2023

Verified

Answered all questions very attentive always kept us informed.

Sarah

Dec 21, 2023

Verified

Albert went above and beyond to help us get our loan. When problems came up, he found solutions for us. Our case was difficult and he spent months working with us to make it work. I can never thank him enough for helping to make this dream come true.

Elinora

Dec 16, 2023

Verified

Their attentiveness, informative, available to clarify information, and pleasant to talk with. Thank you!

Faith

Nov 01, 2023

Verified

Very good communication

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NMLS ID #910148

I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;

Passionate About Tailoring Solutions for Your Dream Home

Albert Lopez

Branch Manager | Hablo Español

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