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Select from hundreds of loan products tailored to your needs

Jim Camara

Jim Camara

Loan Officer

1215 W Center Street, Suite 204, Manteca, CA 95337
Own what matters
Own what matters

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

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

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

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.

Testimonials

Testimonials
4.7 out of 5.0 stars
4.6
5.0
4.71
Gerald
Feb 28, 2024
Verified

Jim worked with us throughout the process keeping us informed about how rates were performing and giving advice as to if and when would be the best time to lock in rates. As we approached the close of escrow, everything went very smoothly and we were never in the dark about where we were in the process. Both Jim and Ina did a great job.
Debbie S
Feb 10, 2024
Verified

Professional and communicative
Jenny
Feb 13, 2024
Verified

Ready to help anytime of the day
Joel
Feb 10, 2024
Verified

Very throughout during the entire process and stayed well connected when we had questions.
Rory
Jan 25, 2024
Verified

Jim was extremely attentive and knowledgeable. He was great to work with. Thanks Jim!
Mustafa
Jan 13, 2024
Verified

Great communication and better advice for client

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NMLS ID #257972
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;