Get Pre-Approved for a Home Loan


The Villarreal Team can help you manage all aspects of your mortgage loan.

Taking on a mortgage is a big decision that will command a significant portion of your monetary resources. We understand all the intricacies of the mortgage process. When you work with Villarreal Team, you are working with caring and dedicated specialists who will always guide you in the right direction.

Picking the ideal mortgage for your situation can make a huge difference in what you end up paying in the long run. That is why we help our clients clearly understand all their options, so that they can make fully informed decisions.

Mortgage Calculator

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Please consult a financial professional.

First Time Home Buyers

Investing in the purchase of a home is a huge decision with lifelong consequences. We'll help you understand all the factors that that are essential for making the best decision. In order to do so, we asses your individual needs and requirements. Only by understanding your individual situation can we lay out an ideal course of action.

There are many variables to consider when choosing the right mortgage. Things like variable vs fixed rate, closing costs, 15 vs 30 year, and late payment terms, should all be weighed. Furthermore, there are many programs to consider. Should you get an FHA, CFHA, VA, or conventional loan? Are you a first time home buyers? If so, you may qualify for a no money down mortgage. Furthermore, there are downpayment assistance programs, and even first time home buyer tax credit programs. We'll help you take advantage of every program that might be of benefit.

USDA Loan Programs For Local Communities

The USDA offers a single housing guaranteed loan program that is perfect for low and moderate income households. The program allows eligible applicants to build, rehabilitate, improve, or relocate a dwelling in an eligible rural area. Notably, it provides a 90% loan note guarantee to approve lenders. Consequently, many eligible rural homebuyers can secure 100% financing. Have questions about USDA loan programs in a specific community? Contact us today.

Credit Repair

Bad credit can severly impede your ability to secure funding for a home purchase. We can help you improve your credit and became a stakeholder in your community via home ownership. Firstly, we analyize your credit situation, and devise a comprehensive plan for improving your scores in a timely fashion. Then, we find loan programs that accomodate borrowers with poor credit. These include loan products from FDIC insured intitutions, FHA loan programs, down payments assitant programs, and various first time buyer programs. There is no reason to lose hope because of bad credit. Whatever obstacles you are faced with, we will help you overcome them.

Home For Heroes

The Villarreal Team is proud to be part of Homes For Heroes- the largest network of real estate and business professionals committed to helping heroes save on the purchase of a home, as well as home-related purchases. Heroes include firefighters, law enforcement, military, teachers, and medical workers. Those approved into the program enjoy lots of great savings, including large commission rebates and loan origination fee discounts. Do you think you might qualify for the Homes For Herores program? Get in touch and find out!