Joshy Abraham
Need a REALTOR® ? TryJos.com
Need a Loan Officer? Joshy Abraham | Loan officer (CA) & REALTOR® (CA) I LoanFactory Inc
Welcome! NMLS ID 320841.
JoshyMortgage.com
CALL NOW : 408-75-JOSHY
Joshy Abraham, REALTOR®(CA) & Loan Officer(CA) | DRE# 02441848 | NMLS # 2542280 | Loan Factory Inc | DRE # 01771313, NMLS # 320841 I
Equal Housing Opportunity. I'm Joshy Abraham, a CA licensed MLO & REALTOR® with loan factory dedicated to helping buyers, sellers, investors, borrowers navigate the real estate & mortgage process with confidence and personalized service. Whether you're purchasing your first home, upgrading to a larger property, downsizing, investing or relocating, my goal is to provide clear communication, market knowledge, strong negotiation, and a smooth transaction from start to finish. Real estate Services Offered in CA
• Residential Home Buying & Selling
• First-Time Home Buyer Guidance
• Investment Property Consultation
• New Construction Representation
• Relocation Assistance
• Comparative Market Analysis (CMA)
• Referral Services
Mortgage services offered in CA
Guidance on home purchase loans & refinance
Guidance on Business purpose loans
Guidance of reverse mortgages
Guidance on DSCR loans, etc
My Commitment
I believe every client deserves:
* Honest and transparent communication
* Professional representation
* Prompt responses and personalized attention
* Data-driven market insights
* Ethical business practices focused on your best interests
Contact me
Loan officer website : JoshyMortgage.com
🌐 Realtor website : TryJos.com
📞 Call/Text: 408-75-JOSHY (56749)
Licensing info:
Joshy Abraham | Loan officer (CA) , REALTOR® (CA)
NMLS ID 2542280 I CA DRE 02441848 |
Loan Factory, Inc. I CA DRE 0177131
My Vision: Empowering Homeownership for All
I envision a world where everyone has access to the home of their dreams through practical solutions, informed decisions, and an unwavering commitment to client advocacy. I proudly serve all clients equally without regard to national origin, race, color, s*x, religion, familial status, or any other characteristic protected by applicable law. Any mortgage or real estate services I provide in states where I am licensed are available equally to every prospective borrower, buyer and seller. Additional Language assistance. I can communicate in English, Malayalam, Hindi and Tamil. Additional language communication support is provided only as an accommodation to help improve understanding and communication. Equal Housing Opportunity
Disclaimer
The information provided on this page is for general informational purposes only and should not be construed as legal, tax, accounting, financial, real estate or investment advice.Real estate laws, regulations, financing programs, and market conditions may change without notice. All users are encouraged to independently verify any details, pricing, availability, zoning, and other information with appropriate professionals or public records before making decisions. Posts published in this page before December 31, 2025 may relate to my prior real estate activities in Oregon or other general business topics and are retained for archival purposes only.Links from prior posts pointing to external websites may be broken or unavailable as they are not actively maintained or monitored. Please rely on current posts or contact me directly for California real estate information. Nothing on this page constitutes an offer to perform services in jurisdictions where the licensee is not authorized to practice. Property information, market statistics, pricing, and availability may change without notice and should be independently verified. Equal Service & additional Communication Support
We are committed to providing equal professional service to all clients and prospective clients without regard to race, color, religion, s*x, disability, familial status, national origin, or any other characteristic protected by applicable federal, state, or local law. To improve communication and understanding, we may also offer communication assistance in languages other than English. These language services are provided solely as a convenience and accommodation and do not limit or restrict the availability of our services to any individual. All mortgage and real estate services we offer are available to every qualified prospective buyer, seller, homeowner, or borrower on an equal basis. The availability of communication in a particular language should not be interpreted as a preference, limitation, or eligibility requirement for any service. By interacting with this page, you also acknowledge that communication through social media does not create an agency relationship unless a written agreement is executed.
Discount points: Concept Homebuyers need to know
General Real Estate & Mortgage Educational Info | Joshy Abraham
I’m Joshy Abraham , a California REALTOR® and Mortgage Loan Originator sharing practical, educational information about California real estate, home buying, home selling, mortgages, refinancing, homeownership, and the California housing market.
My videos are designed to help homebuyers, homeowners, and anyone researching real estate and mortgage financing better understand the process, terminology, available options, and important factors to consider when making real estate or financing decisions.
🏡 California REALTOR® | CA DRE 02441848
💰 Mortgage Loan Originator | NMLS 2542280
🏢 Loan Factory, Inc. | NMLS 320841 | CA DRE 01771313
Ph : 408-75-JOSHY (408-755-6749)
Realtor website : https://TryJos.com
Loan Officer Website : https://www.JoshyMortgage.com
Topics covered on this channel include:
• California real estate and home buying
• First-time homebuyer education
• California mortgage and home loan education
• Mortgage financing and loan options
• Down payments and closing costs
• Home affordability and financing considerations
• Mortgage rates and market education
• Refinancing education
• California housing market topics
• Homeownership education
• Real estate and mortgage terminology
• Practical tips for buyers and homeowners
I serve consumers in California and provide information intended to help people understand their real estate and mortgage options. Availability of specific loan programs, terms, rates, and services depends on individual circumstances and applicable requirements.
🌎 Language Assistance
I can communicate in English, Malayalam, Hindi, and Tamil. Additional language communication support may be available as an accommodation to help improve understanding and communication.
⚖️ Important Disclaimer
This content is provided for general informational and educational purposes only and is not intended to provide financial, legal, tax, or investment advice. Real estate and mortgage decisions depend on individual circumstances. Information presented may not apply to every situation. Please consult appropriately licensed professionals regarding your specific circumstances.
COMPS: What Home Buyers & Sellers need to know.
General Real Estate & Mortgage Educational Info | Joshy Abraham
Welcome,
I’m Joshy Abraham , a California REALTOR® and Mortgage Loan Originator sharing practical, educational information about California real estate, home buying, home selling, mortgages, refinancing, homeownership, and the California housing market.
My videos are designed to help homebuyers, homeowners, and anyone researching real estate and mortgage financing better understand the process, terminology, available options, and important factors to consider when making real estate or financing decisions.
🏡 California REALTOR® | CA DRE 02441848
💰 Mortgage Loan Originator | NMLS 2542280
🏢 Loan Factory, Inc. | NMLS 320841 | CA DRE 01771313
Ph : 408-75-JOSHY (408-755-6749)
Realtor website : https://TryJos.com
Loan Officer Website : https://www.JoshyMortgage.com
Topics covered on this channel include:
• California real estate and home buying
• First-time homebuyer education
• California mortgage and home loan education
• Mortgage financing and loan options
• Down payments and closing costs
• Home affordability and financing considerations
• Mortgage rates and market education
• Refinancing education
• California housing market topics
• Homeownership education
• Real estate and mortgage terminology
• Practical tips for buyers and homeowners
I serve consumers in California and provide information intended to help people understand their real estate and mortgage options. Availability of specific loan programs, terms, rates, and services depends on individual circumstances and applicable requirements.
🌎 Language Assistance
I can communicate in English, Malayalam, Hindi, and Tamil. Additional language communication support may be available as an accommodation to help improve understanding and communication.
⚖️ Important Disclaimer
This content is provided for general informational and educational purposes only and is not intended to provide financial, legal, tax, or investment advice. Real estate and mortgage decisions depend on individual circumstances. Information presented may not apply to every situation. Please consult appropriately licensed professionals regarding your specific circumstances.
Home Equity: What Every Home Buyer & Seller Needs to Know
General Real Estate & Mortgage Educational Info | Joshy Abraham
Welcome,
I’m Joshy Abraham , a California REALTOR® and Mortgage Loan Originator sharing practical, educational information about California real estate, home buying, home selling, mortgages, refinancing, homeownership, and the California housing market.
My videos are designed to help homebuyers, homeowners, and anyone researching real estate and mortgage financing better understand the process, terminology, available options, and important factors to consider when making real estate or financing decisions.
🏡 California REALTOR® | CA DRE 02441848
💰 Mortgage Loan Originator | NMLS 2542280
🏢 Loan Factory, Inc. | NMLS 320841 | CA DRE 01771313
Ph : 408-75-JOSHY (408-755-6749)
Realtor website : https://TryJos.com
Loan Officer Website : https://www.JoshyMortgage.com
Topics covered on this channel include:
• California real estate and home buying
• First-time homebuyer education
• California mortgage and home loan education
• Mortgage financing and loan options
• Down payments and closing costs
• Home affordability and financing considerations
• Mortgage rates and market education
• Refinancing education
• California housing market topics
• Homeownership education
• Real estate and mortgage terminology
• Practical tips for buyers and homeowners
I serve consumers in California and provide information intended to help people understand their real estate and mortgage options. Availability of specific loan programs, terms, rates, and services depends on individual circumstances and applicable requirements.
🌎 Language Assistance
I can communicate in English, Malayalam, Hindi, and Tamil. Additional language communication support may be available as an accommodation to help improve understanding and communication.
⚖️ Important Disclaimer
This content is provided for general informational and educational purposes only and is not intended to provide financial, legal, tax, or investment advice. Real estate and mortgage decisions depend on individual circumstances. Information presented may not apply to every situation. Please consult appropriately licensed professionals regarding your specific circumstances.
Title & Deed : What Every Home Buyer & Seller NEEDS to Know
General Real Estate & Mortgage Educational Info | Joshy Abraham
Welcome,
I’m Joshy Abraham , a California REALTOR® and Mortgage Loan Originator sharing practical, educational information about California real estate, home buying, home selling, mortgages, refinancing, homeownership, and the California housing market.
My videos are designed to help homebuyers, homeowners, and anyone researching real estate and mortgage financing better understand the process, terminology, available options, and important factors to consider when making real estate or financing decisions.
🏡 California REALTOR® | CA DRE 02441848
💰 Mortgage Loan Originator | NMLS 2542280
🏢 Loan Factory, Inc. | NMLS 320841 | CA DRE 01771313
Ph : 408-75-JOSHY (408) 755-6749
Topics covered on this channel include:
• California real estate and home buying
• First-time homebuyer education
• California mortgage and home loan education
• Mortgage financing and loan options
• Down payments and closing costs
• Home affordability and financing considerations
• Mortgage rates and market education
• Refinancing education
• California housing market topics
• Homeownership education
• Real estate and mortgage terminology
• Practical tips for buyers and homeowners
I serve consumers in California and provide information intended to help people understand their real estate and mortgage options. Availability of specific loan programs, terms, rates, and services depends on individual circumstances and applicable requirements.
🌎 Language Assistance
I can communicate in English, Malayalam, Hindi, and Tamil. Additional language communication support may be available as an accommodation to help improve understanding and communication.
⚖️ Important Disclaimer
This content is provided for general informational and educational purposes only and is not intended to provide financial, legal, tax, or investment advice. Real estate and mortgage decisions depend on individual circumstances. Information presented may not apply to every situation. Please consult appropriately licensed professionals regarding your specific circumstances.
Closing Costs: What Every Home Buyer & Seller Needs to Know
General Real Estate & Mortgage Educational Info | Joshy Abraham
Welcome,
I’m Joshy Abraham , a California REALTOR® and Mortgage Loan Originator sharing practical, educational information about California real estate, home buying, home selling, mortgages, refinancing, homeownership, and the California housing market.
My videos are designed to help homebuyers, homeowners, and anyone researching real estate and mortgage financing better understand the process, terminology, available options, and important factors to consider when making real estate or financing decisions.
🏡 California REALTOR® | CA DRE 02441848
💰 Mortgage Loan Originator | NMLS 2542280
🏢 Loan Factory, Inc. | NMLS 320841 | CA DRE 01771313
Ph : 408-75-JOSHY (408-755-6749)
Topics covered on this channel include:
• California real estate and home buying
• First-time homebuyer education
• California mortgage and home loan education
• Mortgage financing and loan options
• Down payments and closing costs
• Home affordability and financing considerations
• Mortgage rates and market education
• Refinancing education
• California housing market topics
• Homeownership education
• Real estate and mortgage terminology
• Practical tips for buyers and homeowners
I serve consumers in California and provide information intended to help people understand their real estate and mortgage options. Availability of specific loan programs, terms, rates, and services depends on individual circumstances and applicable requirements.
🌎 Language Assistance
I can communicate in English, Malayalam, Hindi, and Tamil. Additional language communication support may be available as an accommodation to help improve understanding and communication.
⚖️ Important Disclaimer
This content is provided for general informational and educational purposes only and is not intended to provide financial, legal, tax, or investment advice. Real estate and mortgage decisions depend on individual circumstances. Information presented may not apply to every situation. Please consult appropriately licensed professionals regarding your specific circumstances.
Home for SALE in Bakersfield,CA
Address:1429 Gemini Ct,Bakersfield CA
3 bed,2.5bath ,1520 sqft property
Call Now : 408-75-JOSHY
Realtor website : TryJos.com
Loan officer website : JoshyMortgage.com
Call/Text: 408-75-JOSHY (56749)
My Vision: Empowering Homeownership for All
I envision a world where everyone has access to the home of their dreams through practical solutions, informed decisions, and an unwavering commitment to client advocacy. I proudly serve all clients equally without regard to national origin, race, color, s*x, religion, familial status, or any other characteristic protected by applicable law. Any mortgage or real estate services I provide in states where I am licensed are available equally to every prospective borrower, buyer and seller.
Additional Language assistance.
I can communicate in English, Malayalam, Hindi and Tamil. Additional language communication support is provided only as an accommodation to help improve understanding and communication.
Equal Housing Opportunity
Licensing info:
Joshy Abraham | Loan officer (CA) , REALTOR® (CA)
NMLS ID 2542280 I CA DRE 02441848 |
Loan Factory, Inc.
NMLS ID 320841. I CA DRE 01771313
Disclaimer: This content is provided for general informational and educational purposes only and is not intended to provide financial, legal, tax, or investment advice. Loan and real estate decisions involve individual circumstances, and you should consult appropriate licensed professionals regarding your specific situation. No content in this video constitutes a loan approval, commitment to lend, or guarantee of financing
Investment opportunity in Bakersfield,CA
3 bed,2.5bath ,1520 sqft property at Just 240k
Call Now : 408-75-JOSHY
Address:1429 Gemini Ct,Bakersfield CA
Realtor website : TryJos.com
Loan officer website : JoshyMortgage.com
Call/Text: 408-75-JOSHY (56749)
My Vision: Empowering Homeownership for All
I envision a world where everyone has access to the home of their dreams through practical solutions, informed decisions, and an unwavering commitment to client advocacy. I proudly serve all clients equally without regard to national origin, race, color, s*x, religion, familial status, or any other characteristic protected by applicable law. Any mortgage or real estate services I provide in states where I am licensed are available equally to every prospective borrower, buyer and seller.
Additional Language assistance.
I can communicate in English, Malayalam, Hindi and Tamil. Additional language communication support is provided only as an accommodation to help improve understanding and communication.
Equal Housing Opportunity
Licensing info:
Joshy Abraham | Loan officer (CA) , REALTOR® (CA)
NMLS ID 2542280 I CA DRE 02441848 |
Loan Factory, Inc.
NMLS ID 320841. I CA DRE 01771313
Disclaimer: This content is provided for general informational and educational purposes only and is not intended to provide financial, legal, tax, or investment advice. Loan and real estate decisions involve individual circumstances, and you should consult appropriate licensed professionals regarding your specific situation. No content in this video constitutes a loan approval, commitment to lend, or guarantee of financing
DTI RATIO എന്താണെന്ന് ലളിതമായി മനസ്സിലാക്കാം I USA Malayalam Podcast
Realtor website : TryJos.com
Loan officer website : JoshyMortgage.com
Call/Text: 408-75-JOSHY (56749)
My Vision: Empowering Homeownership for All
I envision a world where everyone has access to the home of their dreams through practical solutions, informed decisions, and an unwavering commitment to client advocacy. I proudly serve all clients equally without regard to national origin, race, color, s*x, religion, familial status, or any other characteristic protected by applicable law. Any mortgage or real estate services I provide in states where I am licensed are available equally to every prospective borrower, buyer and seller.
Additional Language assistance.
I can communicate in English, Malayalam, Hindi and Tamil. Additional language communication support is provided only as an accommodation to help improve understanding and communication.
Equal Housing Opportunity
Licensing info:
Joshy Abraham | Loan officer (CA) , REALTOR® (CA)
NMLS ID 2542280 I CA DRE 02441848 |
Loan Factory, Inc.
NMLS ID 320841. I CA DRE 01771313
Disclaimer: This content is provided for general informational and educational purposes only and is not intended to provide financial, legal, tax, or investment advice. Loan and real estate decisions involve individual circumstances, and you should consult appropriate licensed professionals regarding your specific situation. No content in this video constitutes a loan approval, commitment to lend, or guarantee of financing.
Simple Explanation of Title Insurance | USA Malayalam Podcast I
🌐 Realtor website : TryJos.com
Loan officer website : JoshyMortgage.com
📞 Call/Text: 408-75-JOSHY (56749)
My Vision: Empowering Homeownership for All
I envision a world where everyone has access to the home of their dreams through practical solutions, informed decisions, and an unwavering commitment to client advocacy. I proudly serve all clients equally without regard to national origin, race, color, s*x, religion, familial status, or any other characteristic protected by applicable law. Any mortgage or real estate services I provide in states where I am licensed are available equally to every prospective borrower, buyer and seller.
Additional Language assistance.
I can communicate in English, Malayalam, Hindi and Tamil. Additional language communication support is provided only as an accommodation to help improve understanding and communication.
Equal Housing Opportunity
Licensing info:
Joshy Abraham | Loan officer (CA) , REALTOR® (CA)
NMLS ID 2542280 I CA DRE 02441848 |
Loan Factory, Inc.
NMLS ID 320841. I CA DRE 01771313
Disclaimer: This content is provided for general informational and educational purposes only and is not intended to provide financial, legal, tax, or investment advice. Loan and real estate decisions involve individual circumstances, and you should consult appropriate licensed professionals regarding your specific situation.No content in this video constitutes a loan approval, commitment to lend, or guarantee of financing.
08/16/2026
Thinking about buying a home in the Bay Area, but unsure if it makes financial sense over continuing to rent?
Rent prices across San Jose, Fremont, Sunnyvale, and the Tri-Valley keep rising—but taking on a mortgage is a major step. Should you keep renting or start building long-term equity?
Find out with our Free Rent vs. Buy Wealth Calculator:
https://tryjos.com/rent-vs-buy-calculator
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