What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Why we should work together
Mortgage Education Videos
Priya V from Union City , CA via Zillow
Luis has been amazing to us. We were going through a refi and it was a very smooth experience from end to end. He advocated for us and went the extra mile to finish the process quickly at the best rates and low closing costs. Would highly recommend him and we will definitely work with him in any future needs as well. Thanks a lot Luis for all your diligence, hard work and attention to details.
EdG from San Jose , CA via Zillow
From start to finish, the process was smooth due to the communication channel we had with Luis. Luis made himself available to explain and show us what was going on. He kept us on schedule with tasks needed to complete the loan process. We were at ease knowing he was the job. The home loan process is a very daunting task, but a knowledgeable professional like Luis reduces the stress. Thank you!
Chandru from San Jose , CA via Zillow
I worked with Luis to refinance my home and it was pleasure working with him !! He is very knowledgeable about the loan whole process and very transparent throughout the loan closure. He never hesitates to answer your concerns and never push to lock a rate or proceed with any step in the loan process that you are not comfortable with. He is extremely patient and answers all your concerns. I would highly recommend Luis to anyone as he always puts customers interest at first !
oscarm2009 from San Jose , CA via Zillow
If you’re looking for someone that will make this process easy and guide you when you have questions please call this guy!! Luis I can’t thank you enough for how easy you made this process for us. You answered every question at any given time or day. Refinancing my house during these times was expected to be a bit more tedious and hard but it was quite the opposite Luis made this process a walk in a nice park. Whenever Luis requested documents it was easy to understand what he wanted because of how organized and fast at replying he is. There’s no waiting time with Luis his response times was lightning fast. We had many questions and he always took his time even on weekends to review and explain things. During the process I got sick and he gave us the space but would check in to make sure I was okay (felt like uncle Luis was checking in and not the bank). Luis gave me an estimate of when we would close and it was fast and a very clean process as we closed when he initially promised. Luis I still owe you a drink and I can’t wait for these times to pass to finally meet you in person and personally thank you for the hard work you put in with your clients.
Jason N from San Jose , CA via Zillow
Luis was a fantastic lending officer. From the first conversation, he laid out every detail we needed to fulfill in order to accomplish what we needed to buy our first home. He was knowledgeable and answered every question we had. He was someone who we trusted to have in our corner. I worked with other officers and no one was as organized as he was. He is very friendly and someone we would go to again. I highly recommend him, especially as a first time home buyer.
paul p. from San Jose , CA via Zillow
Getting a home mortgage for the first time can seem daunting, but with an experienced and knowledgeable loan officer like Luis it was easy. From the very beginning Luis was very informative and helpful. He explained the loan process thoroughly and guided me through this process until the very end. Being a first-time home buyer I had a lot of questions and Luis was always available to answer any questions regarding loan or any other home buying topics. I would highly recommend Luis to anybody seeking mortgage services. Thanks!
Sree from Fremont , CA via Zillow
Luis was recommended to us by our real estate agent, Shivani Yadav. Since the moment we got into contract, Luis was on top of things to close the home quickly and helped us get the best interest rate and lower closing costs. As a first time home buyer, Luis was just a phone call away to answer any of our questions and made the whole experience easy for us. Luis was persistent with his BofA team (and even went all the way to senior management level) to get us additional discounts on our closing costs. I would highly recommend Luis to anyone looking for a lender!!
Insiya from Milpitas , CA via Zillow
Luis was patient and thorough through the entire process. He took the time to educate us, answer all of our questions, was super responsive over the weekends, got us a very good deal on closing cost credit and rate, was extremely proactive with our paperwork which saved us a lot of time and we were ready to close way ahead of our schedule. I would a 100% recommend Luis to anyone looking for a home loan.
zuser201806171221509 from Fremont , CA via Zillow
Luis is super efficient in providing options, answer questions and teaching me how I can get the best offer from lenders. Even that mean I could end up with other lender. In the end it's still the offer from Luis is the best so it's an easy decision to go with Luis.
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Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.
Luis OrbegosoSan Jose Branch
I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.