Mortgage Services in San Bernardino, CA | Jesse Magana

Mortgage Services in San Bernardino, CA to Meet Your Unique Needs

Jesse Magana is more than just a mortgage broker. I’m your partners in making homeownership a reality. With a deep understanding of the market and a commitment to personalized service, we’re here to find the right mortgage solution for you.

Home Purchase Loans

Embark on your home-buying journey with confidence. We offer a variety of home purchase loans, including Conventional, FHA, VA, and USDA loans. Our team specializes in understanding your needs and guiding you to the best fit for your situation.

Refinancing Solutions

Maximize your financial flexibility. Whether you’re looking to lower your monthly payments, shorten your loan term, or extract equity from your property, our refinancing options are designed to align with your financial objectives.

First-Time Homebuyer Programs

Stepping into your first home is a big move. We’re here to make it a smooth one with dedicated programs for first-time buyers, including down payment assistance and expert guidance through every step of the process.

Loan Programs for Investors

Expand your investment portfolio with our tailored loan programs for real estate investors. Whether you’re buying a single-family home, a multi-unit property, or something in between, we have the expertise to back your investment decisions.

Non-QM Loans

For those with unique income situations or credit challenges, our Non-Qualified Mortgage (Non-QM) loans offer flexible solutions to help you secure financing. We believe everyone deserves the chance to own a home.

Down Payment Assistance

Stepping into your first home is a big move. We’re here to make it a smooth one with dedicated programs for first-time buyers, including down payment assistance and expert guidance through every step of the process.

Home Purchase Loans

Offers a variety of loan options for buying a home, including conventional, FHA, VA, and USDA loans, each tailored to different borrower needs and financial situations.

Conventional Loans

Ideal for borrowers with strong credit, offering competitive interest rates and flexible terms. They require a higher down payment compared to government-backed loans.

FHA Loans

Perfect for first-time homebuyers with lower credit scores. These loans offer lower down payments and are more accessible.

VA Loans

Exclusively for veterans and active military members, providing benefits like no down payment and no private mortgage insurance.

USDA Loans

Designed for buyers in rural areas, offering no down payment options for qualifying locations and income levels.

Renovation Loans

These loans are ideal for homeowners looking to upgrade or repair their current property, providing the necessary funds for various renovation projects.

Jumbo Loans

Designed for properties that require loans exceeding the conventional loan limits, these are perfect for larger, more expensive homes, offering competitive rates and terms.

HELOC

This flexible line of credit allows homeowners to borrow against the equity of their home, useful for large expenses or debt consolidation.

New Construction

These loans cater specifically to those looking to build a new home, offering financing that covers the construction phase and transitions smoothly into a traditional mortgage.

Refinancing Solutions

Provides options to refinance existing mortgages, helping homeowners to adjust their interest rates and terms or access equity through cash-out refinancing.

Rate and Term Refinance

Allows homeowners to adjust their interest rate and loan term, potentially lowering monthly payments or shortening the loan period.

Cash-Out Refinance

Homeowners can refinance their mortgage for more than they owe and take the difference in cash, useful for consolidating debt or home improvements.

First-Time Homebuyer Programs

Specialized services designed to assist first-time buyers, including educational resources and down payment assistance, to make the home buying process more accessible and manageable.

Down Payment Assistance

Offers financial aid for down payments and closing costs, making homeownership more accessible for first-time buyers.

Educational Resources

Provides crucial information and guidance to navigate the homebuying process smoothly for first-time buyers.

Loan Programs for Investors

Catering specifically to real estate investors, these programs offer financing solutions for investment properties, including rental and resale ventures.

Investment Property Loans

Tailored for real estate investors, these loans cater to the purchase of properties intended for rental or resale.

DSCR (Debt Service Coverage Ratio)

The DSCR Investor Loan is ideal for real estate investors, emphasizing property income over personal income. It suits those with income-generating properties, facilitating portfolio expansion.

Non-QM Loans

Focuses on offering loan options for borrowers with non-traditional income sources or credit challenges, ensuring broader accessibility to home financing.

Self-Employed Borrowers

Designed for individuals with non-traditional income sources, offering flexible income verification processes.

Bank Statement Loans

Ideal for self-employed professionals, these loans use bank statements for income verification, offering a flexible alternative to traditional income documents.

P&L

Tailored for applicants outside standard criteria, this loan type uses Profit and Loss statements for qualification, providing a viable solution for diverse financial profiles.

Credit Challenges

Provides loan options for those with less-than-perfect credit histories, helping them achieve homeownership.

Down Payment Assistance

Provides information and assistance on various programs available to help with down payments, making homeownership more attainable for a wider range of clients.

State and Federal Programs

Information about various assistance programs available at state and federal levels.

Qualifying for Assistance

Details the eligibility criteria and application process for obtaining down payment assistance.

SECIBD (Second Mortgage for Down Payment Assistance)

This program provides an additional mortgage as down payment aid, enabling easier access to homeownership for those who qualify.

Estimate Your Monthly Payments

Understanding your potential mortgage payments is a crucial step in the home-buying process. Our easy-to-use Mortgage Calculator helps you estimate your monthly payments, so you can plan your finances with confidence. Simply enter your loan details and let our calculator do the rest.

home loan calculator