Business Details
21 Years
experience
Your Trusted Mortgage Partner in California
Jeremy Engle has dedicated over two decades to helping families achieve the American Dream of homeownership. Since launching my real estate financing career in 2005, I have prioritized customer satisfaction and problem-solving where others have fallen short. My team and I were recognized in 2024 with national rankings for production volume and loan specialization, including top FHA and VA loan origination in the country. Our expertise spans conventional, FHA, VA, USDA, jumbo, and reverse mortgages, with a focus on California's Central Coast and Central Valley regions.As a real estate investor myself, I bring firsthand insight to guide clients toward sound investment decisions. My commitment extends beyond business through partnerships with local charities like Jacks Helping Hands and Ronald McDonald House. With offices across California and a team of specialized professionals, we provide personalized mortgage solutions tailored to each client's unique needs.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Reverse Mortgages
Home Equity Loans
Construction Loans
Adjustable Rate Mortgages
Refinance Loans
Details
- Year established: 2005
Highlights and features
- We have over 20 years of experience in real estate financing.
- Ranked #1 FHA Largest Volume in the nation by National Mortgage News.
- Specialize in California Central Coast and Central Valley markets.
- Offer diverse loan programs including conventional, VA, and USDA options.
- Support local charities like Ronald McDonald House and Komen.org.
Services
Conventional Loans
Conventional fixed-rate loans offer stable interest rates and predictable monthly payments for 10 to 40-year terms. Ideal for borrowers seeking long-term financial planning certainty, these loans require 3-20% down payments. Our team provides personalized guidance to determine optimal loan terms based on individual financial situations and homeownership goals.
FHA Loans
FHA loans enable qualified borrowers to purchase homes with just 3.5% down through federal government insurance. Designed for those with limited savings, these loans include mortgage insurance to protect lenders while expanding homeownership opportunities. We help clients determine if FHA financing aligns with their specific needs and financial circumstances.
VA Loans
Exclusively available to qualified military veterans and their families, VA loans offer favorable terms for primary residence purchases. Our specialists guide veterans through the qualification process for these government-backed loans, which provide competitive rates and reduced down payment requirements to honor our service members' sacrifices.
USDA Loans
USDA loans provide zero-down-payment options for homebuyers in eligible rural and suburban areas. Backed by the USDA Rural Development program, these loans support affordable housing in designated communities. We assist qualified applicants in navigating USDA loan requirements and accessing this valuable homeownership resource.
Jumbo Loans
Jumbo loans serve high-value property purchases exceeding conventional loan limits, typically above $417,000. Available with fixed or adjustable rate structures, these loans cater to luxury home buyers and unique properties. Our experts help clients evaluate jumbo loan options and navigate the specialized underwriting requirements for premium real estate investments.
People
Engle Jeremy Mlo
Founder
With 20+ years in mortgage financing, Jeremy founded his practice in 2005 and became nationally ranked for loan production. A California Central Coast native, he specializes in helping families achieve homeownership while supporting local charities.
Faith Sierra
Team Manager
Faith manages day-to-day operations across multiple California offices, ensuring seamless client experiences. With extensive mortgage industry experience, she oversees team coordination and client service standards for the Engle Team's growing business.
Ally Goulart
New Construction Manager
Ally specializes in financing solutions for new construction projects across California's Central Valley. Her expertise bridges the gap between builders and buyers, facilitating smooth financing processes for custom home developments and commercial construction projects.
Matt Veronesi
Loan Officer
Matt brings specialized knowledge of California's diverse mortgage markets to the Engle Team. With experience in both residential and investment property financing, he helps clients navigate complex loan scenarios and achieve their real estate goals.
Alice Rosa
Loan Assistant
Alice provides critical support to loan officers across multiple California locations. Her organizational skills and attention to detail ensure efficient processing of loan applications and documentation for the Engle Team's high-volume operations.
Questions
What loan programs do you offer?
We offer conventional, FHA, VA, USDA, jumbo, reverse mortgages, home equity loans, construction loans, adjustable rate mortgages, and refinance options across California's Central Coast and Central Valley regions.
Can I get pre-approved for a mortgage?
Yes, our pre-approval process evaluates your financial situation to determine loan eligibility, helping you understand your budget before house hunting begins.
Do you offer loans outside California?
While we focus on California's Central Coast and Central Valley, we can originate loans in other states through our nationwide lending network.
How does the mortgage application process work?
The process begins with pre-qualification, followed by formal application, document submission, underwriting, and closing. Our team guides you through each step with clear communication.
What credit score do I need for a mortgage?
Minimum credit requirements vary by loan type, but we work with borrowers across credit profiles to find suitable financing solutions.
Can I refinance my existing mortgage?
Yes, we offer refinance options to help lower rates, change loan terms, or access home equity, with personalized analysis of potential savings.
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