VA Home Loans

The VA loan is a $0 down mortgage option available to Veterans, Service Members, and select military spouses. VA loans are issued by private lenders, such as a mortgage company or bank, and guaranteed by the U.S. Department of Veterans Affairs (VA).

VA Home Loan Eligibility:

Military Members

  • Served 90 days on active duty during wartime
  • Served 181 days on active duty during peacetime
  • Completed six years of service in the National Guard or Reserves

Surviving Spouses

  • You must be the surviving spouse of a veteran or service member who died in the line of duty

You will need a Certificate of Eligibility with the help of a VA lender or directly from the VA to show that you met these requirements.

Are you a Veteran or do you know someone who is eligible for a VA Loan?

Call Emil Dollesin NOW!

Protect Yourself Against Identity Theft

Here are tips to protect yourself from Identity Theft:

  • Do not share your personal information just because someone asked for it.
  • Secure your ID cards and documents such as birth certificates, social security numbers, passports, in a secure place.
  • Shred any documents with your personal information once you no longer need them.
  • Pay attention and regularly monitor your credit card accounts and bank statements. 
  • Obtain your free annual credit report and review it for accuracy.  Click here to know how to get your FREE annual credit report  (page coming soon).
  • Install and update your virus detection software and firewall security settings.  This analyzes, blocks and allows information traveling between the internet and your computer with a set of security rules.
  • Freeze your credit files with Equifax, Experian, and TransUnion for free.  Credit freezing prevents someone from applying and getting approval for a credit account or utility service in your name.

Report identity (ID) theft to the Federal Trade Commission (FTC) online at or by phone at 1-877-438-4338.

Identity Theft

Identity theft occurs when someone uses your personal information without knowledge for criminal purposes.  It can happen anytime or anywhere your personal information is available.

They may use stolen information to gain access to your financial accounts, hack into your online accounts, and/or defraud others. Once they access your personal information, identity thieves can also:





Preventing identity theft is a job that every person should take seriously; it can happen to you if you are not careful. Considering how damaging these thieves can be, preventing identity theft should be a high priority.

Loans Realty Group offers Down Payment Assistance Program!

Loans Realty Group offers Down Payment Assistance Programs!Are you ready to live the American Dream by holding your first set of keys?

Loans Realty Group can help you purchase your dream home in California, especially if you are a first-time homebuyer.

CalHFA (California Housing Finance Agency) is a three-loan program.  The first loan can be either Conventional or FHA loan, the second loan covers down payment, and the third loan covers the majority of the closing costs. This is a state-run program and it is federally funded.  Our mortgage broker, Emil Dollesin, is a CalHFA Preferred Loan Officer that can discuss this loan program with you once you fill out the form below.

Besides the Down Payment Assistance Program above, we offer Mortgage Credit Certificate that will get you 20% of the mortgage interest that you have paid the whole year as an IRS refund.  That can be a savings of thousands of dollars every year!

We also have an FHA Grant Program that will cover the down payment.  No repayment necessary.  Basically free money, but it does not cover the closing cost.

How do you qualify for a Down Payment Assistance Program?

  • The buyer must obtain a certificate of completion in homebuyer education counseling.
  • Down Payment Assistance Programs are for first-time homebuyers or for those who haven’t owned a home for the past three years.
  • Your income must fall within the program’s income limits.
  • Make sure to meet all the requirements.

We will help you find the home of your dreams! APPLY NOW and LRG will contact you!

Loans Realty Group offers Down Payment Assistance Program!



Reverse Mortgage Myths

Misconceptions about reverse mortgages may cause homeowners to avoid consideration of these complex loans. Here are a few misconceptions about reverse mortgages.

Myth: The lender or bank takes the title to the home.
Truth: You still retain ownership of your home.

Myth: The loan can exceed the value of the property, sticking you or your heirs with a large bill when you eventually leave your home.
Truth: A reverse mortgage is a “non-recourse” loan, which means that you, your heirs, or your estate will never owe more than the appraised value of the home at loan maturity.

Myth: You can’t get a reverse mortgage if you currently have a conventional mortgage.
Truth: Although this is true, you can get a reverse mortgage if you use the proceeds to pay off your existing mortgage at a close.

Myth: A reverse mortgage can cause you to be evicted from your home.
Truth: You leave your home when you choose. No one will evict you from your home. The reverse mortgage is not due until your home is no longer your primary residence.

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What is a Reverse Mortgage and how does it work?

Reverse Mortgages are loans designed for seniors 62 years or older. This allows them to convert part of the equity in their homes into cash. Instead of making monthly payments to a lender, as with as a traditional mortgage, the lender makes payments to the borrower.

Reverse Mortgages are able to give family members the ability to retain financial independence by accessing the wealth that they have in their homes while allowing them to live comfortably in their own homes on their own terms.

Unlike conventional mortgages, reverse mortgages have no monthly principal and interest payments required.

The product was conceived as a means to help retirees with limited income use the accumulated wealth in their homes to cover basic monthly living expenses and pay for health care.

The mortgage is repaid once the borrower sells the home, permanently moves out or dies. Seniors aged 62 or older who own homes are eligible for a reverse mortgage.

Types of Reverse Mortgages:

  • FHA-Insured Mortgage: A Home Equity Conversation Mortgage (HECM) product.
  • Lender or privately-insured mortgages: These are known as “Proprietary” products, but such products are not available.
  • Uninsured mortgage products offered by a financial institution or a licensed lender.

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Money Saving Strategies

Money management is not as easy as one-two-three. Prices are gradually getting higher, like medical bills, birthday celebrations, car and house repairs, impulsive buying moments, and so much more!

Taking control of your finances is one of the most difficult aspects of life. If you don’t establish a financial plan, serious problems may occur later on. Below are three of the simplest but most effective strategies on how to save:

1. Decide on your priorities

Prioritizing your goals can give you a clear idea of where to start saving. Recording and figuring out how much money you spend on a daily basis is the first step. For example, if you know that you need to apply for a loan in the near future, you could start saving right now.

2. Set a goal

Your goals are likely to have the biggest impact on how you save money. Be sure to think of what you want to save for. Figure out the amount of time it might take for you to save for it. Here are some examples of short-term and long-term goals:

Money Saving Strategies

3. Watch your money grow

Check your progress every month. Not only will this help you stick to your personal savings plan, but it will also help you identify and fix your problems quickly. Setting up your automatic savings is the most effective way to save because it puts extra money out of your sight.

Investing comes with risks, but they also create the opportunity for compounded returns if you plan for a loan in advance. These simple ways to save money may even inspire you to save more and hit your goals faster.

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Simple Ways in Marketing your Home!

Simple ways in marketing your home!

The marketing of your home largely depends on the realtor. MLS is by far the most important exposure for most homes because it fans out to many other sites and reaches more people directly or indirectly from its data feed.


Home Enhancement

Provide the seller with the home selling advice of things to do, curve appeal, home staging, and selling process. Provide the seller with home trends and principles of Green Living, Vastu, Feng Shui, and Home Design.

Sales Program

  • Prepare and create accurate information to the Multiple Listing Service (MLS)
  • Photograph the property for the MLS and other websites
  • Always make sure to promote your listing online

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Increasing your HOME VALUE!

If you have given much thought about selling your home, you have to consider these things now.

The goal of any property investment is to increase its value. When your property is worth more than when you bought it, you will definitely have an immediate return. This includes both the outside and the inside.

Neglecting regular maintenance can affect your property value. Make sure to check out for damaged walls and roofs, electrical problems, and termite infestations. Take immediate action in repairing minor issues before they even result in major problems.

One of the most cost-effective improvements of all is having updated, clean, and freshly painted rooms. Add more value and make your home more desirable by reviving and brightening up a tired and dull area.

Bathrooms should be the most functional rooms in your home. You would want to make sure that your bathroom looks good and is functioning well.

“Once the interior looks good, focus on enhancing the kitchen and the bathroom.”

Make your buyers feel excited about your home. Proper placement, size, and the amount of furniture can be crucial. Paying attention to small home upgrades like indoor and outdoor light fixtures, a new mailbox, kitchen accessories, and bath essentials can make a huge difference.

Before renovating, do some research in order to find out how much the property will be worth after all your renovations. Invite a Realtor or maybe a professional interior designer to check out your home. While you want to increase the value of your property, you also have to be cautious in “over-improving” your property.

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FHA Streamline Refinance Program

FHA Streamline Refinance Program is a special refinance program designed for homeowners in California with a Federal Housing Administration (FHA) Loan. This program gives the FHA Borrowers the opportunity to lower their interest rates and monthly payments.

How can you qualify for a Refinancing Program?

  • The mortgage must be FHA insured
  • Mortgage payments must be current
  • Your new loan must lower your monthly principal and interest payments, or be converting from an adjustable rate (ARM) to a fixed-rate
  • The home must be your primary residence
  • Your current loan must be at least seven months old

Key Benefits of FHA Streamline Refinance:

  • An appraisal is no longer needed
  • Less documentation
  • Minimum credit scores are no longer required
  • Skip one mortgage payment
  • Lender fees reduced

Refinance your Mortgage today! Fill out Loans Realty Group’s Refinance Loan Application form now!