Empowering buyers to make informed decisions in today’s market

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pre qualification 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.

Get Pre-Qualified Today
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First-time buyers

We suggest that our homebuyers 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.

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Move-up buyers

Strategic solutions to help buyers reach their desired price (selling non-contingent), including:

  • § Cross collateralization - no out-of-pocket for down payment
  • § Short term solutions - access own payment immediately without selling a current residence.
  • § Flex terms - higher income leverage and lower reserve requirements than traditional banks.
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Self-employed buyers

Providing and comparing traditional financial options and options that don't require tax returns for the best overall savings when considering tax liability. Also, strategic tax planning for property purchase.

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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 more expert buyers, allowing for more flexibility.

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Commercial owner-occupied

We have access to external agencies with multiple commercial programs.

  • § SBA 
  • § Cash Flow Only
  • § Limited doc programs 
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Trust & Estate

Immediate options for transactions and plan for long-term repayment plans.

  • § Trust distribution - short-term bridge options for immediate funding and long-term term options for repayment.
  • § Probate - short term bridge options for improvements to reach top dollar value before sale.
  • § Divorce - solutions to reach maximum value for settlements and options that don't require income for an unemployed spouse.
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Construction builds

Home builds that include 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 funding to 95% of improvement funds.