Home Purchase Loans
Buy with confidence. I offer Conventional, FHA, VA, and USDA purchase loans and will help you decide which one fits your down payment, credit, and monthly budget.
Learn moreWhether you're buying your first home, moving up, investing, or refinancing, I'll walk you through your options and compare programs from more than 70 wholesale lenders. Based in San Bernardino and serving Riverside and San Bernardino counties and all of Southern California.

After I understand your goals, income, and timeline, I compare programs across my wholesale lender partners to find one that fits.
Buy with confidence. I offer Conventional, FHA, VA, and USDA purchase loans and will help you decide which one fits your down payment, credit, and monthly budget.
Learn moreLower your payment, change your loan term, remove mortgage insurance, or take cash out for renovations or debt consolidation. We'll look at rate/term and cash-out options and whether refinancing makes sense for you.
Learn moreBuying your first home is a big step. I'll explain low-down-payment options and California down payment assistance programs you may qualify for, and guide you from pre-approval to keys.
Learn moreOwn a business or earn 1099 income? If your tax returns don't show what you actually earn, bank-statement and other alternative-documentation loans can use 12–24 months of deposits or other records to document your income.
Learn moreFor unique income, recent credit events, or properties that don't fit standard guidelines, Non-QM programs offer more flexible underwriting. Every situation is different, so let's talk about yours.
Learn moreGrowing a rental portfolio? DSCR loans qualify mainly on a property's expected rental income instead of your personal income. Options for single-family, 2–4 unit, and short-term rentals.
Learn moreMostly digital and easy to follow, from first conversation to closing day.
Book a quick call or fill out the intake form so I understand your goals.
I compare programs across my wholesale lender network and explain the tradeoffs in plain language. Then you upload documents securely from your phone or computer.
I keep you, your agent, and escrow updated through closing, and I'm still around after.

I'm a Mortgage Loan Originator with Celer Mortgage in San Bernardino. As a broker-side loan officer, I'm not tied to one bank. I work with more than 70 wholesale lenders, so I can match your situation to the right program, whether that's FHA, VA, a bank-statement loan for your business, or a DSCR loan for a rental. My job is to explain every step, answer your questions quickly, and keep your purchase or refinance on track.
★★★★★ 5-star reviews on Google
"After an intense 2 weeks of looking at 25 houses with my awesome real estate agent, Amber, I finally decided on this house… in a nice & familiar neighborhood. I want to thank Amber Kay Zepeda of Ponce & Ponce Realty along with Jesse Magana of Celer Mortgage for their hard work! I couldn't have done it without you both! Also, thank you for making my 60th birthday very special ♥️♥️♥️"
"I hardly ever leave reviews unless I believe there is credit to give. Jesse assisted me in the purchase of my first home and made the process smooth. He was an excellent communicator, listened to us and our concerns, and ensured we understood the entire process. He was always there to answer our questions and made us feel heard."
"Jesse has been so helpful throughout the entire process of purchasing a home. He is very knowledgeable and confident in his trade of loan processing and makes you feel confident by providing the right information to best suit your home buying experience. He still offers his service to us, even after closing escrow, which makes us feel well taken care of. We couldn't have asked for a better agent because Jesse is the one. I strongly recommend Jesse Magana to help anyone who is serious about purchasing a home. You will be very pleased you did."
"I was referred to Jesse via Ponce & Ponce and he did not disappoint. We are very happy he was part of our team, which led us to our dream home. Jesse is very transparent and open to answering any doubts or questions you might have. Extremely happy to have the pleasure of working with Jesse and his amazing team, I fully recommend his services. Thank you Jesse from the Valdez family."
"It was a pleasure for my family and I to have Jesse as our Mortgage Loan Agent. He made everything so smooth for us in the process of buying our first home! I'll definitely be recommending all of my friends and family members to Jesse. What a better way to start your home search with someone who puts their passion to make sure what you envision come true!"
"My wife and I purchased our first home two weeks ago. Since we first met Jesse to help us out with the pre approval process, he was very informative and helped us get approved for more than what we anticipated. Throughout the home-buying process, Jesse always reached out to ensure any questions we had were answered. A lot of things throughout the home buying process were confusing at times but Jesse guided us well in ensuring we understood everything from start to end. I definitely recommend Jesse to anyone who is looking for a Loan Officer that will be there every step of the way. Thanks again Jesse!"
¿Prefiere hablar de su préstamo en español? Con gusto le explico cada paso, sin presión.
As a Mortgage Loan Originator with Celer Mortgage, a mortgage broker, I have access to more than 70 wholesale lenders. These include large national lenders and specialty lenders for Non-QM, bank-statement, and investor loans. I can compare programs and pricing across many lenders instead of offering just one bank's products.
Conventional, FHA, VA, and USDA purchase loans; rate/term and cash-out refinances; first-time buyer and down payment assistance options; self-employed and bank-statement loans; Non-QM loans; and DSCR/investor loans. Program availability depends on your situation and the property.
Often, yes. FHA, VA, and some Non-QM programs are built for buyers who are rebuilding credit, and waiting periods after bankruptcy or foreclosure depend on the program. Some programs require a larger down payment or have different terms. Let's review your credit together so I can tell you what's realistic and, if needed, what steps can help.
It depends on the program. Some loans allow as little as 3%–3.5% down, VA and USDA loans may allow 0% down for eligible borrowers and properties, and California down payment assistance programs may help with the rest. You'll also want to plan for closing costs.
Yes. Depending on your situation, we can use tax returns or bank statements (usually 12–24 months), or look at other alternative-documentation options. Bring your questions and we'll find the right fit.
Ideally before you start touring homes. A pre-approval shows sellers you're a serious buyer and tells you what price range makes sense. If you're refinancing, reach out anytime; I can check whether current options would actually benefit you.
I'm based in San Bernardino and focus on Riverside and San Bernardino counties (San Bernardino, Riverside, Fontana, Rialto, Redlands, Ontario, Rancho Cucamonga, Moreno Valley, Corona, Temecula, and more), and I help borrowers throughout Southern California and elsewhere in California.
Book a time that works for you. It's a no-pressure conversation about your goals.
Jesse Magana, Mortgage Loan Originator
Celer Mortgage, Inc.
2086 S E St Suite 201, San Bernardino, CA 92408
Jesse Magana, NMLS #1830467, California DRE License #02041325 (Real Estate Salesperson with MLO license endorsement).
Celer Mortgage, Inc., NMLS #1882447, California DRE Corporation License #02107299. 2086 S E St Suite 201, San Bernardino, CA 92408.
Verify licensing at www.nmlsconsumeraccess.org and www.dre.ca.gov. Equal Housing Opportunity.
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Programs, rates, terms, and conditions are subject to change without notice.