Your Mortgage Made Easy
At Integrity Estates Realty, we can suggest for you to speak with an expert and highly knowledgeable mortgage broker that will make your home financing simple and transparent. With Mortgage Broker Rubio Mortgage Group, you gain access to a network of trusted lenders offering competitive rates and personalized loan options. Whether you're buying your first home, refinancing, or investing, RMG experts can guide you through every step — from pre-qualification to closing — ensuring confidence and clarity throughout the process.
DISCLAIMER:
Integrity Estates Realty is a California licensed real estate brokerage (DRE #02019446).
If you are seeking financing, you may choose to work with licensed mortgage professionals, including Rubio Mortgage Group.
Mortgage professionals at Rubio Mortgage Group offer a range of loan options for home purchases, refinancing, and investment properties.
Mortgage services are offered through Rubio Mortgage Group and are separate from the real estate brokerage services provided by Integrity Estates Realty.
Jose M Hernandez is also a licensed Mortgage Loan Originator (NMLS #1541295) affiliated with Rubio Mortgage Group.
First-time buyers
We shop with multiple lenders and investors for the best rates and provide strategic planning for establishing credit, aligning assets, and leveraging income to reach the desired purchase price.
Move-up buyers
Strategic loan solutions to help buyers reach their desired price (selling non-contingent), including:
- § Cross collateralization - no out-of-pocket for down payment
- § Bridge loans - access own payment immediately without selling a current residence.
- § Flex terms - higher income leverage and lower reserve requirements than traditional banks.
Self-employed borrowers
Providing and comparing traditional loan options and options that don't require tax returns for the best overall savings when considering tax liability. Also, strategic tax planning for lending situations.
Investors and portfolio owners(residential & commercial)
We help you find the best options across multiple property types, including residential, multifamily, retail, office, industrial, and special purpose. We have many traditional and non-bank options for investment situations, allowing for more flexibility than traditional banks.
Commercial owner-occupied
We have access to multiple commercial lenders with the most competitive rates.
- § SBA - We shop many SBA lenders for the most flexible options with 10% down.
- § Cash Flow Only—We can provide options to borrowers with substantial cash flow but few assets, little time in business, and limited credit.
- § Limited doc programs - loan options not requiring tax returns or personal income analysis.
Trust & Estate
I can provide immediate loan options for transactions and plan for long-term repayment options.
- § Trust distribution - short-term bridge loan options for immediate funding and long-term term options for repayment.
- § Probate - bridge loans for improvements to reach top dollar value before sale.
- § Divorce - solutions to reach maximum loan amounts for settlements and options that don't require income for an unemployed spouse.
Construction loans
Low down payment for home builds, including land and soft costs (plans & permits).
- § Owner-builder situations are acceptable for primary residences, spec homes, and commercial properties.
- § Fix & flip programs are available for residential properties with 10% to 20% down and lending 95% of improvement funds.