JCG Home Loans

Types Of Home Loans For Those Who Are Self-Employed:
1. Conventional Loan
2. FHA Loan
3. Bank Statement Only Loan
2. Profit & Loss Only Program
3. 1099 Only Program

Do you want more information?

Message me or Schedule your call today.

Assets You can Use to Buy a House

1. Cash And Cash Equivalent Assets
These assets include the money in all of your checking or savings accounts, money market accounts, certificates of deposit (CDs)
2. Physical Assets
Physical assets that can be sold for funds to be used to qualify for a mortgage include – but are not limited to – properties, homes, cars, boats, RVs, jewelry and artwork.

3. Nonphysical Assets
Pensions, 401(k)s, IRAs, bonds, stocks and royalties fall into this category.

4. Liquid Assets
Assets that you can instantly convert to cash like readily tradable bonds or stocks.

6. Equity Assets
Retirement accounts, stocks or mutual funds, these are considered equity assets.
Contact me today and let's get started

Mortgage Product Considerations:

1. Mortgage Products: Work with your loan officer to ensure you understand the different mortgage products available to you and which would be the best option for you.

2. Affordable Mortgage Payment: Be sure your loan officer understands what your expectation is when it comes the monthly mortgage payment. Your mortgage payment amount must be something you can comfortably afford. Be sure your mortgage payment fits well with your monthly budget so you don’t over extend yourself.
3. Down Payment Needed: Discuss with your loan officer the down payment requirements and considerations when considering a down payment higher than the minimum requirement. Depending on the situation, a higher down payment won’t significantly reduce your mortgage payment.

Get approved to see what you can afford. Don't hesitate to ask questions!

What Is A Mortgage Note?

A mortgage note is a legal document that sets out all the terms of the mortgage between a borrower and their lending institution. It includes terms such as:

👉 The total amount of the home loan
👉 Whether the mortgage is a fixed or adjustable interest rate
👉 The term of the loan

The purchase of a home will be one of your biggest investments, so be sure to take the time at closing to ensure that all legal documents related to your mortgage are accurate. Work with a loan officer that will take the time to explain the documents to you..
Ready to move ahead into the next stage of the purchase process?

Message me or schedule your call TODAY.

Ready For Your Dream Home?

Upgrade your status quo - don't just renew, renegotiate! 🔁💪

Just got done with a first time homebuyer signing. I was able to help these buyers after another loan officer could not help them. Give me a call if you’re interested in buying or want general information. As my friend Juan Gonzalez Jr says “I’m only a call away”!

Teminando firma de primeros compradores. Le pude ayudar a estos compradores después de que otro agente de préstamos no pudiera ayudarlos. Llámame si estás interesado en comprar o quieres información general. Como dice mi amigo Juan González Jr “¡Solo estoy a una llamada de distancia”!

Stop by our open house today and tomorrow 1-4 pm.
1409 Mendocino Creek Dr, Patterson CA

Attended a great Small business workshop this morning.

Bank Statement Loans
Designed for self-employed borrowers whose tax returns do not reflect enough income; we may use 12-24 months of business bank account statements to document income and ability to repay.
• Loan amounts from $150,000 to $3,000,000
• FICO 680
• Borrower must be self-employed and have at least 25% ownership

Contact us for more details.

Préstamos de Estados de Cuenta Bancarios
Diseñado para dueños de negocio los cuales sus declaraciones de impuestos no reflejan ingresos suficientes; podemos usar estados de cuenta bancarios de 12 a 24 meses para documentar los ingresos y la capacidad de pago.
• Montos de préstamo de $150,000 a $3,000,000
• Puntaje de Crédito 680
• El prestatario debe ser dueño de un mínimo de 25% del negocio

Contáctenos para más detalles.