Rate Math · the full math

Yes, rates are high. Here’s what the payment really is.

The number on paper isn’t the real cost. Answer a few quick questions and watch your purchase go from the headline payment down to what it actually costs — after a buydown and your tax deductions. Nothing is saved, nothing is sent, and no credit is pulled.

Question 1 of 5

Illustration only, for education — not tax advice, a pre-approval, a commitment to lend, or a rate lock. Principal & interest on a 30-year (360-month) amortization at the rates shown; property tax is 1.25% per year of the price; insurance, HOA and mortgage insurance are excluded. Year-1 mortgage interest is from a 12-month amortization; the federal deduction counts interest on the first $750,000 of the loan, California counts all of it. Tax savings compare your tax with the mortgage-interest and property-tax deductions against the standard deduction, using 2026 federal brackets ($32,200 married / $16,100 single standard deduction, $40,400 SALT cap) and the 2025 California schedule; SALT uses property tax plus estimated state income tax, capped. The buydown rate and its cost vary daily and by lender, program and your profile. Your actual rate, payment, eligibility and tax result depend on your full file and your CPA — confirm the tax figures with a licensed tax preparer. Equal Housing Opportunity.

Who you’d actually be working with

12+ yearsLicensed mortgage professional since 2012

Top producerRecognised for consistent high-volume performance

Preferred lenderTrusted by many of the area’s top real estate offices

With over a decade in the mortgage industry, I’ve guided countless clients through a process built on real terms, honest expectations, and sound homeownership advice.

Having worked with some of the largest lenders in the country, it became clear that homeowners benefit from a smaller, experienced team — in the loan terms available to them, the expectations set along the way, and the guidance they can actually trust.

Today my team specializes in Non-QM, self-employed and investor loans — bank statement, P&L, 1099, asset depletion, DSCR and fix and flip — and we typically close Non-QM loans in about 12 days.

Why people choose Justin

Rated 4.9 on Google across 254 reviews

★★★★★

Where others may say ‘no,’ Justin and his team find creative ways to make things happen. He builds detailed, long-term plans for clients — and he is not just a great lender, he is a true partner.

Amy GreenRealtor · 24 Years

Justin walked us through the ins and outs of the loan and made us feel so comfortable — which, as first-time buyers, meant the world. Then Christel made sure we understood every document.

Kevin E.First-Time Buyers

Justin and his team are a dream to work with. They made the entire process seamless and work incredibly fast. I would recommend them over anyone else I have worked with on previous transactions.

Sasha A.Repeat Client