Jerry Torres (NMLS# 365615) brings 16 years of real estate experience and insight to today's current home owners along with those who are looking to purchase or refinance a home. Jerry prides himself on delivering an experience that leaves an everlasting impact on his clients as majority of his business comes by way or referrals. With morals, integrity and transparency at the forefront of how he conducts himself through daily personal and business activities, Jerry has developed a stellar reputation within the industry.
Services
Through Vision One Mortgage, Inc, Jerry Torres offers a variety of Alternative Lending Products known as NanQ Products.
Vision One Mortgage, Inc takes price in saying that no one else offers these amazing NanQ Products.
These programs allow borrowers get into homes even one day after Bankruptcy, Foreclosure or Short Sale.
Through these specialty programs borrowers have the ability to both purchase or refinance.
We have programs that will look at alternative proof of income such as bank statements or even no proof of income in the event that you have sufficient assets.
Vision One Mortgage, Inc takes price in saying that no one else offers these amazing NanQ Products.
These programs allow borrowers get into homes even one day after Bankruptcy, Foreclosure or Short Sale.
Through these specialty programs borrowers have the ability to both purchase or refinance.
We have programs that will look at alternative proof of income such as bank statements or even no proof of income in the event that you have sufficient assets.
Do you HAVE the INCOME but are unable to document it by providing copies of tax returns, W's, K1's or 1099's?
This program allow both individual and/or businesses document their income by providing copies of their last bank statements for the past 12 to 24 months instead their income taxes.
Now you can fulfill your dream of home-ownership even if you haven't filed your income taxes.
Our NanQ - Bank Statement Loan program allows you to borrow up to $5M per property with a FICO as low as 600.
Get pre-approved today by submitting your application and start looking for your dream home.
This program allow both individual and/or businesses document their income by providing copies of their last bank statements for the past 12 to 24 months instead their income taxes.
Now you can fulfill your dream of home-ownership even if you haven't filed your income taxes.
Our NanQ - Bank Statement Loan program allows you to borrow up to $5M per property with a FICO as low as 600.
Get pre-approved today by submitting your application and start looking for your dream home.
Through Vision One Mortgage, Inc, Jerry Torres is able to offer just about any product that's available on the market and more.
Jerry offers the standard first time home buyer government insured program or FHA.
The CALHFA loan which is an FHA loan that offers down payment assistance programs that allows borrowers buy a house with 0% Down.
Jerry also offers Conventional Loans, VA Loans which are zero down payment programs specifically tailored for our respected veterans, Jumbo Loans, Fixed Rate Loans, Interest Only loans and for those that might not qualify with "A Paper" lenders, Jerry offers alternative lending solutions through NON-PRIME or NANQ mortgage loan programs.
Jerry offers the standard first time home buyer government insured program or FHA.
The CALHFA loan which is an FHA loan that offers down payment assistance programs that allows borrowers buy a house with 0% Down.
Jerry also offers Conventional Loans, VA Loans which are zero down payment programs specifically tailored for our respected veterans, Jumbo Loans, Fixed Rate Loans, Interest Only loans and for those that might not qualify with "A Paper" lenders, Jerry offers alternative lending solutions through NON-PRIME or NANQ mortgage loan programs.
Many people are drawn to adjustable rate mortgages (ARMs) due to the fact that they generally offer low introductory mortgage rates that remain in place for a certain period of time.
However, the introductory rate period is only temporary and after that term expires, the mortgage rate on an ARM can adjust.
This can make ARM loans a more affordable option in the short term, but a more risky home financing choice in the long run.
However, the introductory rate period is only temporary and after that term expires, the mortgage rate on an ARM can adjust.
This can make ARM loans a more affordable option in the short term, but a more risky home financing choice in the long run.
You can get financing of up to 105% of your home's purchase price or the appraised value - whichever is lower - through the CalHFA FHA.
What's more, there are opportunities to get closing cost and down payment assistance if you combine your CalHFA mortgage with a CalHFA junior loan program.
There aren't any first-time homebuyer requirements to meet, but when it comes time to close escrow you cannot be the owner of any other homes.
Plus, your FICO score must be at least a 640, or a 660 if you are purchasing a manufactured home.
What's more, there are opportunities to get closing cost and down payment assistance if you combine your CalHFA mortgage with a CalHFA junior loan program.
There aren't any first-time homebuyer requirements to meet, but when it comes time to close escrow you cannot be the owner of any other homes.
Plus, your FICO score must be at least a 640, or a 660 if you are purchasing a manufactured home.
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