Jesse Magana · Mortgage Loan Originator

Home Loans for the Inland Empire, Explained Clearly

Whether 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.

Prefer a quick form? Quick intake Ready to apply? Apply online
Jesse Magana, Mortgage Loan Originator
Hablamos español
Jesse MaganaNMLS #1830467 · Over 7 years in the IE
NMLS #1830467Licensed MLO · CA DRE #02041325
70+ Wholesale LendersMore options, one conversation
★★★★★5-star Google reviews
Hablamos españolService in English & Spanish
Loan options

Loan options for your situation

After I understand your goals, income, and timeline, I compare programs across my wholesale lender partners to find one that fits.

Home Purchase Loans

ConventionalFHAVAUSDA

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.

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Refinance

Rate/termCash-out

Lower 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.

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First-Time Buyers & Down Payment Assistance

Buying 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.

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Self-Employed & Bank-Statement Loans

Own 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.

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Non-QM & Alternative Programs

For 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.

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DSCR & Investor Loans

Growing 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.

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How it works

A clear process, with a real person you can call

Mostly digital and easy to follow, from first conversation to closing day.

1

Talk it through

Book a quick call or fill out the intake form so I understand your goals.

2

Compare & apply online

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.

3

Close with confidence

I keep you, your agent, and escrow updated through closing, and I'm still around after.

Jesse Magana
Meet Jesse

Jesse Magana

Mortgage Loan Originator, Celer Mortgage, Inc. · NMLS #1830467 · CA DRE #02041325

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.

  • Helping Inland Empire families for over 7 years
  • Access to 70+ wholesale lenders
  • Office in San Bernardino
  • Hablamos español
More About Me
Reviews

What my clients are saying

★★★★★ 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 ♥️♥️♥️"
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Elle TanGoogle review
★★★★★
"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."
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Nayeli GuerreroGoogle review
★★★★★
"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."
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Albert MGoogle review
★★★★★
"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."
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Rene ValdezGoogle review
★★★★★
"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!"
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Emily Ramirez-JimenezGoogle review
★★★★★
"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!"
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Carlos TorresGoogle review
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Hablamos español.

¿Prefiere hablar de su préstamo en español? Con gusto le explico cada paso, sin presión.

FAQ

Common questions

What kind of lenders do you work with?

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.

What loan programs do you offer?

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.

Can I get a mortgage with less-than-perfect credit or a past bankruptcy or foreclosure?

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.

How much do I need for a down payment?

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.

I'm self-employed. Can I still qualify?

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.

How early should I get pre-approved?

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.

What areas do you serve?

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.

Ready to get started?

Book a time that works for you. It's a no-pressure conversation about your goals.

Call or text (909) 442-0195 jesse.magana@celermtg.com 2086 S E St Suite 201, San Bernardino, CA 92408