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Loan Services

Teachers

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First Time Home Buyer

FHA Loans

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Helping You Achieve Success

Unlock Your Full Potential. Say Hello to YOUR NEW LOAN

We offer processing, underwriting, and local appraisers that truly know our market In addition, we have stand-out-programs that you’d be hard pressed to find anywhere else.

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Conventional, Jumbo, and Government mortgage specialist.

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Step by step guidance through the entire mortgage process.

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Rapid service with personal attention to every client. Hundreds of families have trusted Israel to come through for their financing needs.

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Lowest interest rates available accompanied with minimal costs & outstanding service.

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Conforming Fixed

Options that allow for up to 3% down

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FHA, VA & USDA RD

Smaller down payments and expanded qualifying ratios

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Vacant Land

Options that allow for as little as 10% down

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Jumbo Loans

Low rate options for loan amounts up to $3 million

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Home Ready & Possible

97% financing with reduced mortgage insurance for qualified borrowers

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Construction

Financing for the construction of a new home with as little as 5% down

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Common Sense Portfolio Programs

Flexible programs and options for loans that don’t fit “in the box”

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Non-Warrantable Condominium

Financing for newer condo projects that do not meet conventional guidelines

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FreshStart

Financing for qualified borrowers who have had a financial hardship such as a short sale

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Equity Builder

Rather than using cash for a down payment, apply it towards a lower interest rate and shorter loan term

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Renovation Programs

Streamline renovation loans that allow for the purchase and rehab of a home

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Home Equity Loans

Closed-end 2nd mortgages and lines of credit available as stand alone products or in combination with a 1st mortgage and a combined CLTV of up to 95%

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Professional

Home financing for established professionals for as little as 3% down without monthly mortgage insurance

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Doctor

Practicing Physicians may qualify for 0% down and no mortgage insurance

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Downpayment Assistant Programs

Options available to assist with down payment and closing cost for qualified borrowers

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GET YOUR QUICK – No obligation QUOTE!

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About Israel

Israel Salas has expert knowledge with proven results in all facets of the home loan process. With over 19 years of mortgage experience navigating the through the ups and downs of the real estate/ lending market. His focus on speed and a commitment to customer satisfaction have earned him 5 stars reviews from all his clients. His leadership with streamlined processes and experienced staff, allow him to offer the best rates and mortgage experience possible.

Israel resides in Tustin, California with his wife and 3 sons and is involved with his community, his kids sports teams and church.

NMLS#212071

909.809.8252

israel@thesalaslendingteam.com

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Carlos - July 12, 2018

“Israel answered all my questions and was very helpful.”

Christopher - July 09, 2018

“Fantastic work, and great people. My wife and I are very happy with the personal and attentive service Israel and his team provided. This was our first home buying experience and Israel and his team helped guide us through the whole process. We are now enjoying our new home and we couldn’t be happier. Thank you for all you did for us!”

Dr. Alanzalon - June, 23 2018

“Israel and his team did an outstanding job for me. I have a special circumstance, in that I needed a Doctor Loan that would base my qualification on my new salary and contract. I initially had decided to go with another lender; I hit a wall with them. Israel was gracious in assisting me with a mortgage and exceeded what the other lender had even offered in the first place. The process was relatively painless. Israel kept an open line of communication with me throughout the whole process. Thanks!”

Jim - June 21, 2018

“Israel was a pleasure to work with. He walked us through the entire process and kept us abreast on everything. We got a great rate and will use him for all our financing needs in the future as well as refer him to my family and fellow Sheriffs.”

Sandra - April 28, 2018

“Excellent customer service, Mr. Salas was honest and professional. Thank you!”

Justin - April 27, 2018

“Israel was a pleasure to work with. He went above and beyond the call of duty in every way. I would highly recommend Him for any of your financing needs.”

Sara - April 27, 2018

“The loan process was extremely fast, efficient, and pleasant. Our loan officer, Israel Salas took care of everything and made the process so easy and hassle free that I will definitely work with him in the future. This is the 4th mortgage transaction I have done with him and my experience has been consistently positive and professional.”

Deborah - April 26, 2018

“Israel was professional and everything got done in a timely manner. He offered the best rates for our loan. I asked lots of questions and he wasn’t bothered. I like the secure loan document signing too.”

Meet with a financial expert, realtor, or loan officer. Let us guide you through the process.

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We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.