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Johnny Calderón - Mortgage Loan Officer
Johnny Calderón - Mortgage Loan Officer
I believe the best decision is the one you make with the right information.
That’s why my commitment is to explain your options in a simple way, help you understand how the process works, and find the loan that best fits your needs, always with transparency and no pressure.
Follow me to stay informed!
Book a 15 minute call with me and let's find out your options.
Book a 15 minute call with me and let's find out your options.
Explore your options
Explore your options
Loan Types
Loan Types
From first-time home buyers, to self-employed and ITIN borrowers, do not worry we got you covered!
FHA
FHA
- Down payment as low as 3.5%
- Flexible credit requirements
- Ideal for first-time home buyers
- Competitive interest rates
Conventional
Conventional
- Down payment options as low as 3%
- Great for buyers with strong credit
- Solid income is recommended
- Also available for second homes
VA
VA
- $0 Down Payment
- No Mortgage Insurance Premium
- Veterans and Active memebers of the military
- Competitive interest rates
USDA
USDA
- $0 Down Payment
- Available on elegible rural areas
- Ideal for moderate income families
- Flexible credit requirements
Assistance
Assistance
- Assistance from 3% to 5%
- Minimum Credit score 600
- Forgivable options
- And Repayable options available
ITIN
ITIN
- Ideal for non-traditional income borrowers
- Down payment as low as 10%
- No Mortgage Insurance Premium
- Alternative credit allowed
Renovation
Renovation
- Down payment as low as 3.5%
- Flexible credit requirements
- Ideal to renovate a purchase
- Options for mayor and minor reparations
Construction
Construction
- Down payment as low as 10%
- One and Two times closing available
- New land can be financed
- Owned land can be towards down payment
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