Helping You Secure the Best Mortgage for Your Home
At Francisco Mortgage Team, we specialize in providing personalized mortgage solutions to help individuals and families achieve homeownership. Whether you’re a first-time buyer, veteran, or business owner, we offer expert advice and a range of mortgage options tailored to your needs. Our goal is to make the home-buying process smooth and stress-free, ensuring you make confident financial decisions. To get started, simply contact our team and begin your journey toward homeownership today.
Avoid Costly Home-Buying Mistakes
Paying Too Much Interest
Missed Benefits
Overcomplicated Processes
Comprehensive Mortgage Assistance
Prequalification Process
We guide you through the prequalification process to help you understand your mortgage options and budget. This step ensures you are financially prepared before beginning your home search.
Loan Program Options
We offer a variety of mortgage programs, including VA loans, FHA loans, and conventional mortgages. Our experts help you choose the best loan option based on your unique financial situation.
Closing Support
We provide comprehensive support through the closing process, ensuring all paperwork is completed accurately and on time. This gives you peace of mind and helps you avoid any last-minute surprises.
Stress-Free Home Financing
Our home-buying service takes the guesswork out of the mortgage process. We simplify complex financial decisions, ensuring that you secure the best possible rates and terms for your situation. With our expert team on your side, you’ll enjoy a smooth, stress-free experience from start to finish.
Our Simple Home-Buying Process
1.
Consultation
We start with a detailed consultation to understand your goals, finances, and timeline. Based on this, we help you explore the best mortgage options.
2.
Prequalification
We guide you through prequalification, helping you gather necessary documentation and get a clear picture of your mortgage eligibility.
3.
Closing
We work with you and your real estate agent to ensure all closing steps are managed smoothly, ensuring a successful home purchase.
Get Prequalified Today
Ready to Buy Your Dream Home?
Let us help you navigate the mortgage process with ease. Schedule a consultation to get started.
Schedule a ConsultationAsk a QuestionReal Stories from Real Clients
At Francisco Mortgage Team, we pride ourselves on our personalized approach and commitment to helping clients achieve their dream of homeownership. We don’t just process loans; we build long-lasting relationships with each client.
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
FAQ
You need to provide information about your income, credit score, employment history, and current debts. Prequalification can help give you an idea of how much you can borrow and the best loan options for your financial situation.
First-time buyers may qualify for programs like FHA loans, which have lower down payment requirements, or VA loans for veterans. We can help you find the best fit for your circumstances.
A fixed-rate mortgage has the same interest rate throughout the life of the loan, while an adjustable-rate mortgage (ARM) starts with a lower rate but can change after an initial fixed period.
While a 20% down payment is typical, some loans, like FHA or VA loans, allow for much lower down payments—sometimes as low as 3%.
You’ll need documents like proof of income (W-2s, tax returns), bank statements, and details of current debts. We’ll guide you through exactly what’s needed.
On average, the process takes about 30 to 45 days from prequalification to closing, depending on your circumstances and the complexity of the transaction.
Yes, self-employed borrowers often qualify, though you may need to provide additional documentation like tax returns and business income records.
Once you’re preapproved, you can lock in your mortgage rate with your lender to protect yourself from rising rates while you complete the home-buying process.
During closing, you’ll sign all necessary documents, make your down payment, and officially transfer the ownership of the home.
To improve your credit score, pay down existing debts, avoid late payments, and check your credit report for any inaccuracies.