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Joe Almirantearena


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I can provide all the mortgage information you need to make an informed decision about obtaining a mortgage in California.

Experience in the area

I've been working in the Mortgage industry for ten years, helping people throughout California, with all types of credit, employment, and rental histories, secure home financing for purchase and refinance. I have dedicated my website to provide FREE mortgage and real estate information to California residents. Visit


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NMLS 2611, NMLS-333440 California Department of Business Oversight CA DBO333440

What do you like about this subject?

I take great pride in helping people attain the american dream of homeownership.

What do you still hope to achieve/learn in this field?

I hope to continue to learn new and innovative ways in assisting my clients achieve the dream of homeownership, and help those that already have it, use the advantages of the financial industry in their favor.

Something interesting about this subject that others may not know:

Often times, when you succeed, you help change the lives of your clients.

Something controversial or provocative about this subject

Sound mortgage advice comes from good, ethical mortgage professionals. You can find it, if you're willing to take the time to find one.

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Mike08/31/14101010Thank you for the sound advice!
Michael08/27/14101010Thank you!
Mike07/10/13101010Thanks for your detailed response!
joyce06/03/13101010oh and I was so hoping the .....

Recent Answers from Joe Almirantearena

2014-08-27 Non-permit bathroom:

It looks like the obvious solution, makes the most sense.  Just go and file the addition with the County.  If the bathroom is un-permitted, then the appraisal issue will always come up, when you go to

2013-09-09 Best Type of Mortgage to Get in California:

The answer to these questions are always answered by your intentions.  ARMS are often times good decisions, if one chooses to own the home for shorter periods of time.  Then those savings in a lower rate

2013-09-06 Best Type of Mortgage to Get in California:

Hi Mike,  As you begin to consider this option, it's important to understand the likely direction interest rates will be headed in the future.  Because it is expected that the United States Government

2013-05-30 Refinance after short sale:

Hi Jill,  If this transaction is in California, I can help you complete this process.  It would involve refinancing the property.  If you have 20% equity in the property, I have a loan program that will

2013-04-05 HARP refi:

Your overall payment must drop by a minimum of 5% for the loan to be in compliance.  Typically, a $140,000 loan amount should expect to have around 3% in fees ($4200), plus any taxes, and insurance reserves


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About Real Estate Home Mortgages
This topic answers questions related to purchasing a home, owning a home, home ownership, mortgage education, mortgage applications, and mortgage needs whether buying a first home or refinancing a current loan. Issues related to home ownership, home equity, mortgage education, refinacing options, home improvment finacing, first time home loans, home equity loans, vactation home loans, and mortgages for investment homes are dealt with here also. Though not the primary focus of this topic, Home Equity Lines of Credits (HELOCS), reverse mortgages, and calculating home equity may also be asked. If you do not see your home mortgae, home finacing, or home equity question answered in this area then please ask a question here

Real Estate Home Mortgages

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