Real Estate & Lending Solutions has been dedicated to providing professional and personal customer service since 1996. Our primary goal is to exceed your expectations while earning your trust and confidence. We accomplish this by providing educational and responsible real estate and lending practices to assist you in making sound financial decisions.
Real Estate & Lending Solutions is unique in that we provide multiple services that save our clients valuable time and money. We have the ability to assist you in financing, selling, and buying residential and commercial real estate. We are a true mortgage broker with the ability to provide very competitive mortgage financing programs without all of the overhead that comes with large banks and mortgage companies.
Real Estate & Lending Solutions is unique in that we provide multiple services that save our clients valuable time and money. We have the ability to assist you in financing, selling, and buying residential and commercial real estate. We are a true mortgage broker with the ability to provide very competitive mortgage financing programs without all of the overhead that comes with large banks and mortgage companies.
Services
Conventional loans are mortgage loans offered by non-government sponsored lenders. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. It may have either a fixed or adjustable rate. While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
FHA loans are an attractive option, especially for first-time homeowners because it is insured by the Federal Housing Administration (FHA). Primarily, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
Jumbo Loans exceed the maximum loan amounts established by Fannie Mae and Freddie Mac conventional loan limits. Rates on jumbo loans are typically higher than conforming loans. Jumbo Loans are typically used to buy more expensive homes and high-end custom construction homes. Typically Jumbo Loans require a higher down payment than traditional loans.
A VA Loan is Designed to offer long-term financing to veterans. VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.
Powerhouse Ministries Exists to help transform lives impacted by rejection, abuse or poverty with the hope of the gospel, radical acceptance and overwhelming grace. Folsom's Hope is a 501(c)(3) nonprofit charity whose mission is to bring hope to the whole family by loving the whole child-meeting needs physically, educationally, relationally, materially and spiritually.
Reviews (3)
Adara Mellonde
Sep 22, 2019
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You can't go wrong with Jose and his crew. Professional, personable, ethical group of people. Expert opinions with multiple options for lending/selling/buying. As we head towards the home stretch and have encountered the little hiccups on our home as it is being sold. Jose's been there every step of the way. From a broken glass to hanging curtains in our absence. He's accommodated and arranged for services that a homeowner wouldn't expect to have to rely on a realtor for while we are out of the area. He's certainly gave us peace of mind throughout the whole process. Thanks Jose!
Jj Music Lessons
Dec 15, 2018
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Martin Flores
Sep 13, 2018
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AMAZING CUSTOMER SERVICE, PERSONAL CARE. OF THE HIGHES-|- ETHICS IN THE INDUSTRY! Lending Solutions has been the best Lending option for my mortgage needs for the past 18 years. No one has ever been able to beat the low mortgage rates I've been able to get from Lending Solutions! Many others have tried, and continue to try every month to offer me lower rates, but only to find out their offers are unethical bait and switch offers. Lending Solutions has always protected my money and home purchases the same way they would protect and care for their own money and purchase! Thank you so much for the
