Specializing in California Mortgage, Home Loans in California, Anaheim Mortgage, Anaheim Refinance, Anaheim Real Estate

You Are About To Discover All The Information You Need To Make An Informed Decision About Obtaining A

California Mortgage

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Dear Neighbor,

My name is Joe Almirantearena. I want to thank you for taking the time to visit my website, where I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current California mortgage. I am a Mortgage Consultant serving all of California.

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

Clovis Home Loans - Clovis Mortgages, Clovis Real Estate

Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their home loans in California.

Although sharing these secrets may not make me popular with the other California mortgage lenders, I am more concerned that you have all the information you need to make an informed decision when shopping for a California mortgage. So, I have created a free guide that contains extremely valuable information designed to help you avoid costly mistakes when navigating the California mortgage process.

To receive this free guide and other home buying tips, simply fill out the fields below and I will send you your first insider secret by email immediately.

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Home Loans in California

If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking to refinance, you will find that this site is a complete resource full of insider secrets that will allow you to choose the California mortgage program best suited to your financial needs.

Anaheim Mortgage

I make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the California mortgage you need for the home you want.

Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure Online Loan Application, or call me in my California office at 800-785-4952. I am here to help you with all your California mortgage needs.

Got a Quick Question You Want Answered Today?

Click the "Ask A Question" button below to send us a message by email or feel free to call my Anaheim office at 800-785-4952.

Before you leave, make sure you review the California Home Buying Resources, Insider Reports and California Mortgage Calculators. All are designed to help guide you through the home buying process so you avoid making costly mistakes.

Home Loans in California Report:

I want to include an example of one of our FREE reports that can help you avoid some of the pitfalls when buying a home:

The Dos and Don'ts of Home Buying

Do Shop Around – Don't just hold interest in one house, check out a handful. Find out about the neighborhood, traffic, schools, and local entertainment. Talk to the people that have lived in the neighborhood for some time and find out their opinions and biggest complaints. And remember that the lowest price isn't always the best and that some houses can be deceivingly cheap. It's better to do too much research than not enough; you’ll thank yourself for years to come.

Do Get to Know Your Realtor – There's so much to know about California real estate that you can't possibly know all the ins and outs of the industry. That's why your best strategy is to find a realtor whom you can trust. An experienced and trustworthy realtor will take the time to explain to you your options and walk through the entire home buying/selling process with you.

Do work with a knowledgeable mortgage professional - Don't think that watching the television, and seeing attractive interest rates advertised, means you can qualify for those home loans in California programs. There are different types of loan programs available for different types of borrowers. Working with an experienced mortgage professional will allow you to take advantage of the best California mortgage programs available in the industry, for your particular situation.

Don't Pay Too Much – This may be obvious but you don’t have to sell your firstborn child to be able to afford a home. The price of your home depends on various factors like size, location and neighborhood. Every house is unique and has both positive and negative attributes. A skilled realtor will be able to come up with a specific home that fits your wants and needs but isn't going to cost you your first born.

Don't Rush into Things – This is your house we're talking about. Whether you're going to own it for three or thirty years, you want to make sure that you do everything right. I know you're in a hurry to move in, but don't sign the first deal you see; do your homework first.

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

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What others are saying...

When you work with Joe, you get the truth. He tells you like it is. When we first bought, our credit was not that great. Joe worked with us to improve our credit and refinanced us at NO cost when our score went up and our mortgage rate went down. He is always looking out for his clients.

Harry P. - Santa Ana

Both closings happened on time, and in a very efficient manner. He even arranged both closings to be held by the same title company, in close proximity to my work.

Dora P. - Burlingame

I happened upon Joe and his company quite by accident while I was searching for a way to re-finance a few years ago. At that time, my credit scores were less than "creditworthy". He helped me get on the right track, and I refinanced to a lower rate. Thanks Joe!

Thurman U. - Chino

Joe, we wanted to send a special note to let you know just how much we care. Thank you! You helped get us qualified for the first time and was patient with our many questions & concerns. Your manner was cordial & warm. We needed it that way, especially because we were new to it all. Again, thank you kindly for your efforts. If we know we will be staying in the area, we will surely look you up to help us again.

Harry W. - Redwood Valley

. . . thanks so much! You guys have been a pleasure. I must say I was absolutely in love with my previous loan officer, and I was crushed when they said they couldn't do any more loans. I simply couldn't imagine starting a relationship with someone else. Really. But I'm so glad I did!! You actually have better California mortgage loan programs and more variety and you all are just as nice and responsive! You have made a pleasant experience out of what I thought was going to be a nightmare. You all treated me with credibility right out of the shoot and I think that's what I've appreciated the most . . .
thanks so much again!

Grace T. - Pleasanton

I had never thought I could buy a house, and had no idea what I was doing. Joe explained everything to me in such great detail that I had no questions about using him as my loan officer for my California mortgage when I finally found that perfect house. He was great. He was always there to answer his phone or emails and if he happened to be away from his desk, he would always call me right back. He even got the seller to help pay closing costs even after I tried and he told me "no." I'm so thankful and very happy in my new home.

Rhonda W. - Laton

Oh my goodness! Thank you sooo much!! You have been a blessing! We are so happy, I have to pinch myself to make sure this is real!! Joe, first let me say that you have got to be the best loan officer I have ever exchanged emails with, because we have not met!! Please tell me you will be at closing because I want to give you a big hug!! Also, you are invited to the house warming, not sure about the date, but just want to make sure you can make it!! Lots of food! Again, you have our heartfelt thanks for making the American Dream of homeownership come true for us....AND as I promised, you will NOT be disappointed! Bless You and your team.

Daphne K. - Anaheim

We started out with another company, because a friend worked there and we were having nothing but trouble. So, we called Joe. He was able to do the type of job for us that I thought a friend of ten years should have done. The company for the people buying our house set a closing date and had a two-week head start on Joe. He gave his all and was ready to close on that date! Too bad the other company wasn't ready for another week and a half. We were happy with our rate, and our closing costs were lower than anyone else I talked to. We couldn't be happier and have already started telling people about Joe.

Erin M. - Marysville

I worked with Joe when he was with another company. He was so very helpful to me, and I learned a lot from him...when it was time, I remembered him & his thoughtfulness. ...I decided to track him down. He's great! Thanks, Joe!

Stan E. - Playa del Rey

To Joe and your team, I wanted to say thank you for everything you did to help me purchase my home. From start to finish you all were there to guide me through. I know it was a difficult task, but you overcame all obstacles. When I had been denied by other companies in the past with no hope for my family and I to own a home in less than a 2 year period, I became discouraged. But I saw your website on Google and thought to myself, what do I have to loose, so I called in and instead of rejecting my application, you extended your arms and welcomed me in. Gave me all the resources I needed to repair my credit report and boosted my score within months not years. The knowledge your website had to offer about credit reports and scoring system was just amazing. Thank you so much. You’ve helped me to put the nightmare I was going through to rest. Gave me hope, and proved that you are the best. I will be certain to send my friends and family your way. Guess it’s ironic, you say your goal is to have clients for life, and I can tell you that you have more than lived up to your word. Again thank you and God Bless.

Howard F. – Stanton

Joe really seemed to have his finger on the pulse of the California mortgage market. He told my wife and I that he was waiting to lock in our best rate, and that is exactly what he did. It took a couple of weeks, but when it was all said and done, we had a new 15yr. California mortgage loan in the 4's and according to my calculations, we'll be saving almost 6 figures! He did everything that he promised and more. We can't say enough good things about him and his service! We have both already mentioned him to friends and relatives.

Cleo D. - Tiburon

I would like to compliment Universal Lending and Real Estate Inc. on the caliber of professionals you employ, one of which is Joe Almirantearena. His sincere, compassionate, and honest attitude impressed me from the first time we spoke. His genuine concern for my situation and his tireless energy to achieve my goal was remarkable. His professionalism and exemplary service makes him a real asset to your company. Therefore I would like to recommend that he be considered a candidate for your agent of the year award.

Dillon K. - Santa Rosa

Joe, I just wanted to send you this note to express my gratitude for the great job that you did on my California mortgage. I am very pleased with the programs that you combined for me to get me the best deal possible. I have spoken to many of my friends, some of them have already purchased, and others haven’t but each one of them were in awe when I told them of how you and your friendly staff took my file from beginning to end with minimal stress on me or my family. I am greatly appreciative. You will get referrals from me!

Ted J. – Orange

Joe was an excellent person to have working for us. We bought our first home with his help and guidance. No matter what came up during the California mortgage process, he explained it to us completely, and how it would be satisfied. Universal Lending and Real Estate is lucky to have such a talented person working for them.

Bill H. - Newport Beach

You could not have improved your services to us at all. Everything was great and went very smoothly. I was kept well informed throughout by Joe. He was very knowledgeable and helpful. He kept us up to date weekly with status reports and returned our phone calls promptly. The wide range of products and excellent rates were great too.

Billy G. - Santa Paula