RESIDENTIAL LOANS

Residential Loans We Offer

CONVENTIONAL LOAN

This loan program is Best Fit: for borrowers who have good credit scores, at least 5% to put down, and have minimal debt with a good history of income (W2 or self-employed).

FHA LOAN

Stands for Federal Housing Administration. Best Fit: Borrowers with lower credit scores (580+), limited down payment (3.5%), and stable income. Popular for first-time homebuyers.

VA LOAN

Stands for Veteran Affairs. Best Fit: Eligible veterans, active-duty service members, and certain members of the National Guard and Reserves. No down payment required.

USDA LOAN

Stands for United States Department of Agriculture. Best Fit: Rural and suburban homebuyers with low to moderate income. No down payment required, but property location restrictions apply.

HELOC & HELOAN

Stands for Home Equity Line of Credits. Best Fit: Homeowners seeking to tap into their home equity for various purposes. HELOC includes adjustable interest rate, and HELOAN include fixed interest rate.

DOWN PAYMENT ASSISTANCE

Stands for Down Payment Assistance. Best Fit: Low-to-moderate income first-time homebuyers needing financial help for down payment and closing costs.

DSCR LOAN

Stands for Debt Service Coverage Ratio. Best Fit: Real estate investors or landlords. Qualification based on property’s income potential rather than personal income.

BANK STATEMENT LOAN

Best Fit: Self-employed or freelancers who may have non-traditional income documentation. Income based on bank statements over a specific period.

PROFIT & LOSS LOAN

Best Fit: Self-employed borrowers with a solid history of income. Income calculated from profit and loss statements instead of tax returns.

ITIN LOAN

Stands for Individual Taxpayer Identification Number) Best Fit: Non-U.S. citizens without a Social Security number. Allows them to buy homes and establish credit using an ITIN.

REVERSE MORTGAGE

Best Fit: Seniors aged 62 or older who want to convert home equity into cash without monthly payments. Typically used for retirement income.

BRIDGE LOAN

Best Fit: Homeowners wanting to purchase a new home before selling their current one. Temporary loan to cover the gap between sales.

HARD MONEY

Best Fit: Investors or borrowers with poor credit or unique property situations. Short-term, high-interest loan based on property value.

Contact Us

Have a question? We have the answers.

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     Excellent  
     Based on 27 reviews 
    
 
 
   
 
 
        
   juliana corpuz 
 2023-04-17
 
 
 Trustindex verifies that the original source of the review is Google. For first time buyer, I can say that I got the best team helping us and facilitating all the details from the start till end. They processed it so smoothly and super fast. In less than 2 months time, we are finally and officially called ourselves as homeowners. Jerry Tracy and Mike are the best, even extending beyond effort to accommodate our time availability to sign documents. Would highly recommend them to my family, friends and relatives. 👍🏻 👍🏻Thumbs Up. “Maraming Salamat”
  
 
       
   ricardo espinoza 
 2023-03-07
 
 
 Trustindex verifies that the original source of the review is Google. MIGUEL AGUILAR HAS THE PATIENCE OF A SAINT, HE MOVED MOUNTAINS!! I AM SOOO HAPPY AND THANK YOU FOR YOUR DEDICATION IN ALL YOU HAVE DONE FOR OUR FAMILY!!!
  
 
       
   Jonathan Batalla 
 2023-02-13
 
 
 Trustindex verifies that the original source of the review is Google. The best mortgage team out there. Jerry was always there to answer all questions, he would jump on Zoom no matter the time to go over all the numbers to make it sense to us. He really had our best interest and fought to get the best possible outcome for our family. we could not have done it without him and their team.
  
 
       
   vilma pedroza 
 2023-01-09
 
 
 Trustindex verifies that the original source of the review is Google. We had a wonderful experience with this amazing team! They are genuine kind hearted people who care for you and what you need! I can’t help but be thankful with them for making our dreams come true! They made what we thought was impossible possible they made the process so calm and peaceful for us! they are the best in California! we met with other ppl before them and they told us we weren’t able to own a home! But thankfully we found Tracy Jerry , and Lisette and they told us the complete opposite and now here we are just a month after of meeting them homeowners with keys on hand!! As of January 6th 2023 the Zavala family is first time homeowners! first generation owning a home! they helped us break generational chains and they are here for you to 🫶 We look forward to working with them in the future! Thank you Briseño Group for all your support and care you continue to have for us we appreciate you! God bless this team 🤍
  
 
       
   Miriam Pinto 
 2022-09-29
 
 
 Trustindex verifies that the original source of the review is Google. My husband and I were referred to Jerry by a friend. We had work with 3 other lenders to get prequalified and just felt discouraged each time. My husband reached out to Jerry and what felt nearly impossible Jerry made possible! He was very positive and definitely reassured us  through out the entire process! I am very thankful we were referred to Jerry.
  
 
       
   jorge reynaga 
 2022-08-28
 
 
 Trustindex verifies that the original source of the review is Google. I don’t know we’re to start i find Jerry Briseño cuz my wife and I go eat at the cocinita in the city of Baldwin park California we talked to him there and he said give me a call when you are ready so I called him and he didn’t try to convince me on buying a home he explained everything and answer all are questions and I told him we are going to wait so we did a year later we started looking again so we tried asking around but no one could explain everything like Jerry Briseño so I called him and I told him I’m ready for your help and he said I have a team all set up for you and ready to help you guys out you see it’s not only Jerry Briseño helping you out he has a team helping you out and answer any questions  you might
have I called it the Jerry and the lady’s team Jerry Briseño/Tracy Aguirre/Joanna sanchez thank you      Jerry and the lady’s team for all your help
  
 
       
   Kimberly Urbina 
 2022-08-21
 
 
 Trustindex verifies that the original source of the review is Google. Cannot thank them enough! Diana, Jerry, and Tracy helped us accomplish the impossible. We were told by another lender that we did not qualify to buy a home, but they made it happen! They explained the process every step of the way and answered all of our questions. Now, we are in our dream home and we could not have done it without them.

I definitely recommend this team!
  
 
       
   Santa Ruiz 
 2022-08-20
 
 
 Trustindex verifies that the original source of the review is Google. I love the way they listen to what we wanted and they were there for us whenever we had any questions and now we have a house. Thank you for all your hard work.
  
 
       
   Oscar Martinez 
 2022-08-12
 
 
 Trustindex verifies that the original source of the review is Google. I was so glad we went with the Mortgage guys they worked fast worked great with our buissy  Schedule and helped us with exactly what we needed to get done  We highly recommend them won't be the last time they hear from us hopefully we continue working together in the future......
BTW;
We Went through 3 other financing companies before we found out about the mortgage guys and they all tried taking us for fool's
Thanks again fellas!
  
 
       
   thalia aguilar 
 2022-07-28
 
 
 Trustindex verifies that the original source of the review is Google. We started our house journey with another realtor who simply told us we didnt qualify for an FHA loan, i decided to get a second opinion and emailed rocio who i had beeen following on IG for some time. She responded really quick and set up a time to do a group call. Jerry explained to us everything so well and told us to give them a chance. so we did. Got pre approved, house searched with Rocio and she put in an offer to the first house we fell in love with. She got our office accepted and then we went into escrow. Throught the whole process there were never unanswered questions, they made sure we understood every single step of the way. The dedication and hard work this team puts in is incredible. They fought to get our loan funded and we finally got our dream home. Would 100% recommend them to anyone who is in the search, they truly made this process an awesome experience for us.