California Home Loans

Dear Neighbor,

Welcome to my website! I'm Joe Almirantearena, a real estate and mortgage professional with Universal Lending and Real Estate. We pride ourselves on educating our customers to take the guesswork out of the home buying or refinance process. This website is loaded with helpful information to answer many of the questions you have when purchasing a home, or refinancing your home loan.

FREE Home Buying Guide Reveals The Insider Tips Big Banks Don't Want You To Know...

Buying your home will probably be the greatest financial decision you have ever made.  Regrettably, the majority of individuals and families start this process with no upfront knowledge, that could cost them thousands of dollars over the lifetime of their home loan.

While giving away FREE secrets will not make me very popular with other financial professionals, I want to make sure you have all the insider secrets you need to make an informed decision about which loan program is right for you.  This FREE home buying guide will help you avoid expensive mistakes and disclose critical information when securing a mortgage.

Simply fill out your name and email address below, and I will send you the first insider secret, along with the FREE home buying guide, and extra tips to look out for.

First Name: * E-mail: *

There is no obligation and your e-mail privacy is safe with us.

California Mortgages

If you are a first time home buyer, looking to buy your next home, or simply looking to refinance your California mortgages, this website has the resources that are filled with the secrets you need, to select the type of home financing that satisfies your goals.

California Refinance

Whether you're a small business owner, a home buyer with excellent or challenging credit, or going through this process for the first time, I make it easy and quick to secure the mortgage loan program you want, for the California refinance or home of your dreams.

California Mortgage Loan

Don't forget to register to receive the FREE Insider Real Estate and California Mortgage Loan Reports and the FREE home buying guide. Please complete the Pre-Qualify now box for a FREE interest rate quote. Call me at 800-785-4952. I am available to help answer all of your financing concerns.

Got a Quick Question You Want Answered Today?

Be sure to "Ask A Question" by clicking the link below, email me, or call me in my California office, 800-785-4952.

Prior to exiting, take a look at the Mortgage Calculators. They can answer many questions you have about expected monthly mortgage payments, and help you avoid paying higher costs than you're comfortable with. Good Luck!

Additional Resource, Resource

NMLS# 333440, CA DRE# 01765841

NMLS# 225400, CA DRE# 01858433

We service clients statewide, including every city and town in California. California Mortgage Loan | California Refinance | California Mortgages | California Home Loans