JCRMG INC Mortgage Broker- Keys to your Home

Available Monday thru Sunday 8AM – 10PM Pacific standard time

Read JCRMG INC License information and DISCLAIMER at the bottom of website. EQUAL HOUSING OPPORTUNITY.

At JCRMG INC, we offer a wide array of mortgage loan programs to cater to diverse financial needs and homeownership goals. Here are the detailed options available:

Conventional Loans

Fixed-Rate Mortgages: Offers stable interest rates and consistent monthly payments over the life of the loan, typically available in 15, 20, or 30-year terms.
Adjustable-Rate Mortgages (ARMs): Features an initial fixed-rate period (e.g., 5, 7, or 10 years) followed by periodic adjustments based on market conditions.

FHA Loans

FHA 203(b) Loan: Ideal for first-time homebuyers, offering lower down payment requirements and more flexible credit criteria.
FHA 203(k) Loan: Provides financing for home purchase and renovation costs in a single loan, perfect for fixer-uppers.

VA Loans

VA Purchase Loan: Available to eligible veterans, active-duty service members, and certain members of the National Guard and Reserves, offering no down payment and competitive interest rates.
VA Interest Rate Reduction Refinance Loan (IRRRL): Also known as a VA Streamline Refinance, it allows veterans to refinance an existing VA loan to a lower interest rate with minimal documentation.

Jumbo Loans

Jumbo Fixed-Rate Mortgages: For loan amounts exceeding conforming loan limits, offering fixed interest rates and terms similar to conventional loans.
Jumbo Adjustable-Rate Mortgages (ARMs): Provides higher loan amounts with an initial fixed-rate period followed by adjustable rates.

Refinancing Options

Rate-and-Term Refinance: Allows homeowners to refinance their existing mortgage to a lower interest rate or different loan term.
Cash-Out Refinance: Enables homeowners to tap into their home equity by refinancing for a higher loan amount and receiving the difference in cash.

Specialty Loans

USDA Loans: Designed for rural homebuyers, offering no down payment and competitive interest rates for eligible properties and borrowers.
Reverse Mortgages: Available to homeowners aged 62 and older, allowing them to convert home equity into cash without monthly mortgage payments.
Fixed Home Equity Line of Credit (HELOC): Provides a fixed interest rate and consistent monthly payments, allowing homeowners to borrow against their home equity for various needs.
Construction Loans: Offers financing for building a new home or renovating an existing property, with funds disbursed in stages as the construction progresses.
Bank Statement Loans: Ideal for self-employed borrowers, these loans use bank statements to verify income instead of traditional documentation like W-2s or tax returns.

For personalized assistance and expert guidance, contact Joe Frank Cerros, our Mortgage Loan Originator, at 1-888-600-7577. Let JCRMG INC help you find the perfect mortgage solution for your needs!

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II. Purchase Seller – List your property for Sale

A. We can help with listing your property

B. Let us Represent you to purchase new property – See Available properties click on link below (When you click on any of the 3 buttons you will be re-directed to the JCRMG INC Real Estate Website thru www.CRMLS.ORG)

PROPERTIES

MORTGAGE APPLY ONLINE

CALL 1-888-600-7577

At JCRMG INC, we are dedicated to helping home buyers navigate the mortgage process with ease and confidence. Here’s how we can assist you:

Personalized Mortgage Solutions

Tailored Loan Programs: We offer a variety of mortgage loan programs, including conventional loans, FHA loans, VA loans, jumbo loans, USDA loans, and more, to meet your specific needs.
Expert Guidance: Our Mortgage Loan Originator, Joe Frank Cerros, provides personalized advice to help you choose the best loan option for your financial situation and homeownership goals.

Pre-Approval Assistance

Streamlined Pre-Approval Process: We help you get pre-approved for a mortgage, giving you a clear understanding of your budget and strengthening your position when making an offer on a home.
Document Preparation: We assist you in gathering and organizing the necessary documents for a smooth pre-approval process.

Competitive Rates and Terms

Best Mortgage Rates: We work to secure competitive interest rates and favorable loan terms to make homeownership more affordable for you.
Rate Lock Options: We offer rate lock options to protect you from interest rate fluctuations during the loan approval process.

Comprehensive Support

Step-by-Step Guidance: We provide support throughout the entire mortgage process, from application to closing, ensuring you understand each step and feel confident in your decisions.
Closing Assistance: We help you navigate the closing process, including understanding closing costs and finalizing your mortgage.

Specialty Loan Programs

Fixed Home Equity Line of Credit (HELOC): Allows you to borrow against your home equity with a fixed interest rate and consistent monthly payments.
Construction Loans: Offers financing for building a new home or renovating an existing property, with funds disbursed in stages as the construction progresses.
Bank Statement Loans: Ideal for self-employed borrowers, these loans use bank statements to verify income instead of traditional documentation like W-2s or tax returns.

For personalized assistance and expert guidance, contact Joe Frank Cerros at 1-888-600-7577. Let JCRMG INC help you achieve your homeownership dreams!

A. Looking to get pre-qualified or pre-approved for a Mortgage loan – We can help, Call Today!!!

DISCLAIMER/DISCLOSURE:

JCRMG Inc is a Real Estate Mortgage Broker – Equal Housing Opportunity – Po Box 803 Lawndale CA 90260 NMLS 2418994 DRE 02173635 – Joe Frank Cerros Broker/MLO/Realtor NMLS 240041 DRE 01356767 Doing business in California only – For licensing information go to http://www.nmlsconsumeraccess.org & http://www.dre.ca.gov – Subject to credit approval – For informational purposes only. This is not a commitment to lend or extend credit. All loans are subject to credit approval. Other restrictions may apply. Licensed by the California Department of Financial Protection and Innovation. Loans Made or arranged pursuant to under the California Department of Real Estate Licensed 02173635. JCRMG INC Licensed by the Department of Real Estate – Real Estate Broker License Endorsement – CA Dre 02173635

Spanish:

AVISO/DIVULGACIÓN:

JCRMG Inc es un corredor de hipotecas inmobiliarias – Igualdad de Oportunidades de Vivienda – Po Box 803 Lawndale CA 90260 NMLS 2418994 DRE 02173635 – Joe Frank Cerros Corredor/MLO/Agente Inmobiliario NMLS 240041 DRE 01356767 Operando solo en California – Para obtener información sobre licencias, visite http://www.nmlsconsumeraccess.org y http://www.dre.ca.gov – Sujeto a aprobación de crédito – Solo para fines informativos. Esto no es un compromiso para prestar o extender crédito. Todos los préstamos están sujetos a aprobación de crédito. Pueden aplicarse otras restricciones. Licenciado por el Departamento de Protección e Innovación Financiera de California. Préstamos realizados o arreglados de acuerdo con la licencia del Departamento de Bienes Raíces de California 02173635. JCRMG INC Licenciado por el Departamento de Bienes Raíces – Endoso de Licencia de Corredor de Bienes Raíces – CA Dre 02173635

Tagalog:

DISCLAIMER/PAGLALAHAD:

Ang JCRMG Inc ay isang Real Estate Mortgage Broker – Pantay na Pagkakataon sa Pabahay – Po Box 803 Lawndale CA 90260 NMLS 2418994 DRE 02173635 – Joe Frank Cerros Broker/MLO/Realtor NMLS 240041 DRE 01356767 Nagnenegosyo lamang sa California – Para sa impormasyon sa paglilisensya, pumunta sa http://www.nmlsconsumeraccess.org at http://www.dre.ca.gov – Nakadepende sa pag-apruba ng kredito – Para sa mga layuning pang-impormasyon lamang. Ito ay hindi isang pangako na magpahiram o magbigay ng kredito. Ang lahat ng mga pautang ay nakadepende sa pag-apruba ng kredito. Maaaring may iba pang mga paghihigpit na mag-apply. Lisensyado ng California Department of Financial Protection and Innovation. Ang mga pautang ay ginawa o inayos alinsunod sa lisensya ng California Department of Real Estate 02173635. JCRMG INC Lisensyado ng Department of Real Estate – Real Estate Broker License Endorsement – CA Dre 02173635