Your Dreams Become Our Goals
WE CLOSE THE TOUGHEST LOANS
Our team members are known by our partners and clients that we have the hearts of a teacher. We close all types of residential home loans and in the process, we have gained a reputation of having a high rate of success in closing what are generally regarded as tough loans to close. It’s common that we come across clients that have prior credit or financial events that take guidance to correct. We personally help our clients throughout the estimated timeframe of financial repair to put them in a position to purchase a home.
1. Find the perfect type of loan
Choosing the right type of loan is a big step in the loan process as each client has a unique financial profile. We personally get to know each and every one of our clients to learn about their home buying goals to navigate which loan program best fits that criteria. We work with a number of down payment assistance programs as well as the common FHA, VA, Conventional and Jumbo home loan programs.
Loans closed this year
2. We walk you through the process
We work with our clients step by step, from start to finish during the loan process to ensure the process goes as smooth as possible. We take pride in communication and know the importance of staying consistent with our clients and partners as this is one of the biggest transactions someone will make. Being organized and prepared is important when obtaining a home loan. Our team members will guide you step by step through the loan process from the first financial consultation, to pre-qualification, and throughout the remainder of your transaction and receiving your new home keys.
3. Our reliable approval process
It’s quite simple. Our pre-approval loan application takes about 15 minutes to complete. Upon submission, our team is notified immediately and will review your mortgage documents thoroughly. You will then be contacted by a trusted loan officer on our team to discuss your financial capability and what you are pre-qualified for. From there, we will issue a pre-qualification letter that we will provide to you and your realtor partner. By having a pre-qualification letter, this is an indication to your realtor on how much home you can afford and to buy and specifies to the seller of that home that you are qualified to purchase their home.
The John Z Team did an amazing job on the purchase of my first home back in 2018. My wife and I just recently refinanced and they closed us in 1 month to which we ended up saving almost $200 on our mortgage payment. Thanks John Z Team!
John was great and with me every step of the way! He let me know what to do and not to do while going through the loan process. If I had a question either he or Joanne was there to help out. I highly recommend John and his team for your mortgage loan. He made it seem so easy and flawless.
We mostly worked with Joanne, but the team helped us through every step of the way and made the whole process much more manageable. They were available anytime we had questions and not only made sure we understood everything, but made sure we could handle all of it as well.
The whole team was a huge help they pushed us on a lot of things that needed to be done but finally, after jumping through the hoops it was all worth it. Not often do you really hear of a VA loan closing in 2 weeks. So for all of the effort and struggle thank you all for your help.
John and his team achieved what my wife and I thought was impossible. We didn’t think home ownership was in our preview but John and his team made it happen for us. He was informative and communicated with us every step of the way. We are thankful for John and his team, especially Steve Khan. We are now enjoying our brand new home!
Buying a house has long been a staple of the American dream. We know that the idea of making a large purchase like this can be daunting. However, buying a home is something that will leverage you into your next life chapter. Have you asked yourself lately, “does my personal residence put money into my pocket or take money out of my pocket?” There could be a variety of reasons as to why you haven’t taken that leap yet; student loan debt, credit card debt, not high enough credit scores etc. What if we told you that you can still obtain this dream of home ownership? Our #1 mission is to close your home loan on time and educate you throughout the home buying process. We’re here to help! Having a team like ours is crucial and sets us apart from others out there.
What different mortgage loans are available to you by choosing the John Z Home Loan Team? Which one do you believe would be the best fit in your scenario?
FHA | Conventional | VA Loan
YOUR NEW HOME
Are you tired of renting? Are you ready to move your family into your future?
We know the Valley and support our local businesses and families. Why go to mortgage companies that are not familiar with your area. We are located right here in the Valley so we can approve loans faster.