Buying or Refinancing in the Inland Empire? Let's Find the Right Loan for You.
Local help from a San Bernardino loan originator who compares programs from 70+ wholesale lenders, for home buyers and homeowners in Riverside and San Bernardino counties.
Why work with Jesse
More options, one conversation.
Access to 70+ wholesale lenders instead of a single bank's products.
Local and easy to reach.
Based in San Bernardino, familiar with Inland Empire neighborhoods, agents, and escrow.
Plain-English guidance.
I explain your options, costs, and next steps so there are no surprises.
Simple digital process.
Apply and upload documents from your phone, with a real person a call or text away.
Loan options
Program availability depends on eligibility, credit, property type, and lender guidelines.
What clients say
★★★★★ 5-star reviews on Google
"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."
"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!"
Quick answers
Can I get a mortgage with less-than-perfect credit?
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.
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.
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.
Tell me a little about your plans.
I'll reach out within 1 business day.
Prefer to talk now? Call (909) 442-0195 or book a call.
Submitting this form is not a loan application or commitment to lend. By submitting, you agree to be contacted by email and phone about your inquiry. Your information is handled per our Privacy Policy.
Prefer to talk now?
Call (909) 442-0195 or book a call at a time that works for you.
Jesse Magana, Mortgage Loan Originator
Celer Mortgage, Inc.
2086 S E St Suite 201, San Bernardino, CA 92408
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Get in touch
- (909) 442-0195
- jesse.magana@celermtg.com
- Book a call
- Hablamos español
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. Not all applicants will qualify.