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jojeda@gemcorp.com

your

mortgage

solution

Making Home Loans easy by providing day one certainty and world class customer service

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Our Specialties

We specialize in taking the conversation beyond the transaction. We make sure we really understand the clients needs by conducting our famous Fact Finding Session. In knowing our clients needs we can develop a tailored mortgage strategy the aligns with their dreams and goals

World Class Service

Our team of highly trained processors, underwriters, and office staff provide clients with unparalleled world class service.

Data Driven

In a world driven by data we  leverage technology to provide our clients with the latest updates and informed advice.

Express Pre-Approval

By having the processing and underwriting team in-house we can guarantee our clients a fast pre-approval in less than 24 hours.

Day One Certainty

By delivering day one certainty, our clients can rest assured knowing they are in good hands when it comes to home buying

Get Started 

Schedule a call to discover the smart way to Home Loans.


It all starts with a conversation. Contact me today and allow me to serve you and your family.

Having helped thousands of families we have fine tuned our systems to deliver high end results.

Most trusted in our field

In House Processing

Having the processing team in house means we oversee the whole process from beginning to end.

Fast Delivery

Get Pre-Approved in less than 24 hours and make your offer stand out from the rest by choosing us.

Why people believe in us

We are passionate to transform your dreams into reality. Here's what our raving fans are saying:

“I have tried others that worked fine, but Jesus is certainly the best of them all. He brings efficiency to a new level of simplicity.”

Jane Faber, Los Angeles

“If you are looking for a high quality company, I highly recommend this one. They are the very best in the field, no compromise.”

John Smith, Ontario

“The service was friendly and the results were of the highest quality. This is the best company I have ever worked with.” 

Madelaine Taylor, Oxnard

Latest Blog Post

Curious to learn more about real estate? Make sure to read the blog.

By Jesus Ojeda November 14, 2021
Who Qualifies For VA Loans?
By Jesus Ojeda November 13, 2021
When it comes to the actual number, anything less than a 670 FICO® Score is considered “bad” or “subprime,” according to Experian™, one of the three main credit bureaus. More specifically, a fair score is 580 – 669 while a poor score is 300 – 579. The thing about having bad credit is it’s not the same as someone else’s bad credit.
By Jesus Ojeda November 13, 2021
Is it time to consider refinancing your home mortgage?
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Frequently Asked Questions

Got a question? We’re here to help.


  • Do I need 20% to buy a house?

    First things first: The idea that you have to put 20 percent down on a house is a myth. The average first-time home buyer puts just 6% down, and certain loan programs allow as little as 3% or even zero down payment. Unless you’re buying an investment property you do not need to put 20% down.
  • My credit score isn’t the best, Can I get a mortgage with a low credit score?

    When it comes to the actual number, anything less than a 670 FICO® Score is considered “bad” or “subprime,” according to Experian™, one of the three main credit bureaus. More specifically, a fair score is 580 – 669 while a poor score is 300 – 579. The thing about having bad credit is it’s not the same as someone else’s bad credit.
  • I don’t have enough to cover the downpayment, Can I use a gift fund?

    Down payment gifts can make it much easier to purchase a home, and mortgage lenders are generally happy to accept them.   We allow cash gifts for down payments on a huge array of loan programs including FHA loans, VA loans, USDA loans, conventional loans, and even jumbo loans. However, if you’re getting a cash gift for down payment, you’ll want to be sure you document the gift properly. Should you receive your gift improperly, your lender is likely to reject your home loan application.  For more information about gift funds contact me today.

  • What is Mortgage Insurance?

    Mortgage insurance helps protect a lender if a borrower forecloses on their property. Borrowers pay for the mortgage insurance, allowing lenders to grant loans they might not have otherwise. Mortgage insurance may be required on some loans when a down payment is less than 20 %.

  • What are the tax advantages of taking out a mortgage?

    Mortgage interest, insurance paid, and property taxes are normally tax deductible for your principal residence. As confirmed by TurboTax, buying a house is an investment, but the tax deductions may be large enough to lower your tax bill “substantially.” Interest/insurance payments on a residential mortgage (as well as mortgage interest/insurance on a second home) may be fully deductible.

  • What are mortgage points?

    Also called discount points, mortgage points work as a one-time fee you can opt to pay if you’d like to get a lower interest rate.

    One mortgage point equals one percent of your total loan amount and may drop your interest rate one-eighth to one-quarter percent lower.


  • What are closing costs?

    Closing costs are fees and expenses you pay when you close on your house, beyond the down payment. These costs can run 2% to 5% percent of the loan amount and may include title insurance, attorney fees, appraisals, taxes and more.

  • I just got a new job. How does this impact getting a mortgage?

    Most loan programs are looking for a two-year job history in the same field — though changing jobs to move to a better position could be seen as favorable.

    For recent college grads, you may still be able to get a home loan without a two-year work history.


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