I successfully provide loans for self-employed borrowers, investors, first time home buyers, and anyone in between looking to purchase or refinance. On many occassions I've been able to close loans where others have failed, and that comes from tenacity which is necessary in this tough lending environment and staying educated to know the guidelines. Our loan products include fixed, ARM & interest-only: FHA (3.5% down, primary residence, up to $729,750) Conventional (1-4 unit properties, up to $625,500) Jumbo (loans up to $5 million) VA (active or honorably discharged veterans, including Coast Guard) USDA (rural properties, 100% financing) DAP (down-payment assistance for first-time homebuyers) HomePath (renovation/rehab of property) My office is conveniently located mid-county. I look forward to being your trusted advisor for life.
Website: karmamortgagesolutions.com
Phone: (831) 462-2496
Cross Streets: Between 437 and Hill St
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830 Bay Ave Capitola, CA 95010 ·2333.43 mi
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Reviews
yelpI recently purchased a home in Aptos using VA financing. For the longest time, the VA benefit was useless because of the buyers market and the multiple qualified offers that were on the...
MoreKarma Mortgage made my complex refinance so easy, seamless and pleasant. José responded to my questions quickly, day or night, and he explained the process in a way I could understand. He got me...
MoreThis is my second refinance with Jose,and it could not be better.He has a mastery in dealing with VA loans,and cares deeply in assisting veterans.The process is always smooth,and efficient.Jose...
MoreOur real estate agent recommended Dafnne for our mortgage loan and thank God he did! Dafnne helped us every step of the way and answered every single question in a way that we would understand. My...
MoreI needed to Re-Fi my house and had been avoiding it for so long bcuz I thought it would be stressful. Thanks to Jose Mendoza the process was quick (2 weeks) from 1st meeting to doc signing, and...
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