I'm Billy Robles. I personally manage every step of your mortgage to make your homebuying journey simple and clear.
The biggest secret in real estate right now is the Assumable Loan.
I built a tool to show you the *exact* savings. Compare 3 scenarios side-by-side in seconds.
The most common type of mortgage, ideal for borrowers with stable income and good credit. Conventional loans are not insured by the federal government and often offer competitive rates. They are perfect for primary homes, second homes, or investment properties.
Backed by the Federal Housing Administration, FHA loans are a fantastic option for first-time homebuyers or those with lower credit scores. They allow for down payments as low as 3.5% and offer more flexible qualification requirements. Many FHA loans are also assumable.
An incredible benefit for veterans, active-duty service members, and eligible spouses. VA loans offer $0 down payment options, no monthly mortgage insurance (PMI), and competitive interest rates. These loans are also an excellent and popular choice for assumptions.
A zero-down-payment mortgage for eligible rural and suburban homebuyers. Backed by the U.S. Department of Agriculture, USDA loans are designed to promote homeownership in less-dense areas and offer affordable financing with reduced mortgage insurance premiums.
For loan amounts that exceed the limits set by Fannie Mae and Freddie Mac. Jumbo loans are designed for purchasing higher-priced, luxury properties. They typically require a larger down payment and strong credit, offering competitive rates for high-value homes.
Already a homeowner? Let's review your current mortgage. We can explore options to lower your interest rate, shorten your loan term, tap into your home's equity for cash, or consolidate debt. A simple review could save you thousands.
My name is Billy Robles, a California licensed mortgage broker (NMLS #2751970) with Loan Factory Inc. (NMLS #320841).
My mission is to provide personal service, human contact, and expert guidance for home loans across all of California.
Based in the High Desert, I am proud to serve California borrowers statewide with both remote and in-person service.
The mortgage pre-approval process involves providing financial information (like income, assets, and debts) to your lender, who will then evaluate your creditworthiness and determine how much you can borrow.
Yes, we offer remote services to clients all over California, providing a seamless mortgage experience no matter where you are.
We offer a variety of mortgage types, including conventional loans, FHA loans, VA loans, and more, tailored to meet your specific needs.
The time it takes to close a mortgage can vary, but typically it takes about 30 to 45 days from the pre-approval to closing stage.