Jorge Alba - Mortgage Loan Officer

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Celebrated 1 year of beautiful marriage with last month 🤍 I’m lucky to have the best

🚀 New FHA 3.5% Down Profit and Loss Only! 🚀

You can now buy your dream home with 3.5% down. No tax returns, W2’s, paystubs or bank deposits required for income calculation. Minimum credit score required = 580.

All we need is a self-prepared 2-year profit and loss statement. Bank statements are only required to verify closing funds, not to support profit and loss net income.

Must be self-employed. Self-employed borrowers include but not limited to: 1099 recipients, Zelle recipients, cash recipients, small business owners, etc.

Share this with anyone you know who may benefit from this game changing loan program! 🏡✅

I’d like to share something about Chloe. Chloe is my beautiful wife. She has the kindest heart and is always looking out for others and putting them before herself. She’s the most loving, most supportive person and I’m extremely lucky to call her my best friend and life partner 🫶🏼💍 I love you always

🔄 Fixed Rate or Adjustable Rate: Which Mortgage is Right for You? 🔄

As a loan officer, I often get asked about the differences between adjustable rate mortgages (ARMs) and fixed rate mortgages. Let's break it down! 💡

🏡 Fixed Rate Mortgages: Stability & Predictability 📈
Lock in your interest rate for the entire loan term. Enjoy consistent monthly payments that won't change, providing peace of mind and budgeting certainty. Ideal for long-term homeowners and those seeking stability.

🎢 Adjustable Rate Mortgages: Flexibility & Potential Savings 💸
Start with a lower initial interest rate, making it more affordable at the beginning. After an initial fixed period, the rate may adjust periodically. ARMs are great if you plan to move or refinance before the adjustment period, potentially saving you money.

Remember, everyone's situation is unique. Let's connect to discuss your goals, financial situation, and determine the best mortgage option for you! 🏠

Happy Mother’s Day from your friends at Virtualending, Inc. 🫶🏼

The new 2023 FHA loan limits are here!

This means that you can now buy for up to $1.2M in Los Angeles, Orange, and San Diego County with only 3.5% down! 🏡

Have no income but need to buy or refinance a house?

You can now qualify with a true “no income” program.

No bank statements showing deposits.

No profit and loss by a CPA.

No proof of business or self-employment.

No two years of employment history.

With just 20% down, you can qualify for up to $3 Million.

Good for primary and secondary residences.

1-4 unit properties are allowed.

Gift funds are allowed.

Rates starting in the low 4s.

We have a very quick and easy process. We can close in 20 days or less.

Press “Send Message” to get pre-approved!

Get Pre-Approved! 🏠

Jorge Alba - Mortgage Loan Officer updated their business hours.