Expert Mortgage Advice for a Secure Future
Real Estate Financing Tailored to Your Needs
At Francisco Mortgage Team, we specialize in providing personalized mortgage solutions for homebuyers, investors, and veterans. From securing your dream home to building a lasting financial legacy, our team is dedicated to helping you make informed, smart decisions. Whether you’re a first-time buyer, a seasoned investor, or looking to refinance, we’ll ensure you get the best options tailored to your goals. With our veteran-owned business, honesty, integrity, and superior service are at the core of everything we do.
Don’t Let Common Mortgage Mistakes Set You Back
Missed Opportunities
Failing to secure the right mortgage can delay your dream of owning a home and leave you paying more in the long run
Poor Investment Decisions
Without expert guidance, your real estate investments may result in missed profits or unexpected costs.
Missed Savings on Refinancing
Not exploring refinancing options can lead to higher interest rates and missed opportunities for cashing out on equity.
Tailored Financing for Every Need
We provide tailored mortgage solutions for first-time homebuyers, veterans, and families, helping you navigate every step of the home-buying process. Our team ensures you get the best financing options to build a strong financial future.
Our expert advice ensures your real estate investments generate lasting returns. Whether it’s a single unit or a multi-unit investment, we guide you through smart, calculated decisions for building future wealth.
Refinancing is a powerful tool to lower payments or access home equity. We work with you to ensure you achieve the best refinancing terms, making your mortgage work smarter for you.
Looking to renovate? A renovation loan can boost your home’s value instantly. We offer access to multiple lenders, ensuring you receive the best financial terms to build equity without moving.
As veterans ourselves, we understand the complexities of VA loans and the resources available for military families. We guide veterans through every aspect of the home-buying process, connecting them with additional benefits and services to improve their financial standing.
Our Simple Process to Homeownership or Investment
1.
Consultation
2.
Prequalification and Documentation
3.
Loan Submission and Approval
See What Our Clients Are Saying
Joiye and her team were amazing to work with!!! They helped my husband and I buy our first home and were so helpful throughout the entire process! She was so quick to answer any questions we had and w…
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Charlotte Rosales
We cannot be happier with Joyie and her team. It was evident from the beginning she was looking out for our best interests. She was delighted to explain the whole process in detail. I felt very cared …
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Vicky Morgan
I’ve been working with Joyie for years now and the one thing that rings true each and every time is consistent integrity. Always doing the right thing. Especially when everyone else isn’t looking. Pro…
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Max Franks
h Joyie ~ I can’t say enough great things about Joyie and her team! I had the pleasure of working with her through a mutual client, and she was absolutely amazing from start to finish. Her personal to…
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Megan Johnson
Working with Joyie and her team was an absolute pleasure from start to finish. Their dedication to finding the best possible deal for my husband and I was evident in every interaction. Joyie’s warmth …
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Briana Moreno
Where do I begin? Working with Joyie and her team was the most pleasant experience we had with a home buying process. She’s HIGHLY responsive, honest, dependable and will help you any way she can. W…
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Tatiana Taylor
I closed on my home on Thursday. Working with Joyie and her team was a blessing. To have Joyie just as invested in the outcome and it be genuine was truly life changing. I am at a loss for words as I …
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Todera Woods
It was a pleasure working with Joyie. She is very knowledgeable and took the stress out of the home buying and refinancing process! We would recommend this team to our family without hesitation! Thank…
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Melissa
I can’t thank enough for this amazing team who made one of our dreams become a reality!! Thank you Joyie, Marianne, Karina, and Christie, and anyone I missed!! The team’s commitment, dedication, r…
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Julio Cesar Martinez
What an awesome and professional team. No one else other than Joyie and her team that I’d want to take care of us during one of the most important times in our lives. All I can say is thank you for …
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Blake Wise
Joyie’s team is awesome and professional. Her team helped me to purchase two houses with the perfect interest rate. She blocked interest rates at the right time. If you are looking for a lender, pleas…
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Xuan Nguyen
Today I reached out to Joyie after I was already working with a previous lender to purchase an investment property. Initially, I was told that I did not qualify to purchase a home. My income profile i…
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Jason Sandoval
Joyie and her team did an amazing job helping our family secure a loan for our new home. They went out of their way to assist us! We are very grateful clients who are now in a beautiful NEW HOME thank…
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James Ryan
Joyie was absolutely fantastic! I’m a veteran, and she helped me use my VA loan to get an awesome home. I couldn’t have asked for a better experience. She truly cares about you and your best interests…
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Derrick Christovale Jr.
If you aren’t using this company then you are missing out!! I first spoke with Joyie over a year ago and was looking to refinance my mortgage. My husband was attending a course, out of state, while I …
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Lisa Rodriguez
Paul and Joyie and their team have gone through great lengths to get us our home! We officially sign today! We are first time home buyers, and given the situation at hand, on our part, they worked wit…
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Ashley Balderas
Very greatful and happy for making our dream come true. 100% committed to client satisfaction. A++++ to Joyie and Team. Highly recommended. Thank you.
Raymundo Ceballos
Let’s Get Started Today
Ready to Secure Your Future with Real Estate?
Take the first step towards a mortgage solution that works for you. Our expert team is here to guide you through the process and ensure your financial goals are met.
Schedule a ConsultationAsk a QuestionFAQ
We specialize in conventional loans, VA loans, FHA loans, renovation loans, and refinancing options.
Simply schedule a consultation with our team, and we’ll guide you through every step, from prequalification to closing.
Yes, we are veterans and offer specialized VA loan services as well as connections to military resources.
Refinancing can help lower your interest rate, reduce monthly payments, or allow you to cash out on home equity.
While both allow you to access your home’s equity, cash-out refinancing typically offers better terms and lower interest rates.
Yes, we provide expert guidance for real estate investments, helping you maximize profits and make wise financial decisions.
Renovation loans help you increase your home’s value by financing home improvements, often with better terms than standard loans.
Eligibility for VA loans typically requires military service, and we help veterans navigate the process to secure the best loan terms.
Our dedication to guiding clients through the mortgage process with integrity, honesty, and expert advice ensures lasting financial success.
We can prequalify you within 24-48 hours, giving you the confidence to move forward with your home-buying or investment plans.