Why local context matters
California transactions can involve high property values, supplemental property taxes, HOA and condo-project requirements, insurance considerations, and property types that can affect financing. Those details can materially change the payment, cash to close, or loan options.
What I work on
Purchase financing, refinance, conventional, FHA, VA, jumbo, Non-QM, HELOCs and second mortgages, down payment assistance, condo financing, self-employed borrowers, investment property, and more complex loan scenarios.
Whittier & Los Angeles County
Whittier and the surrounding Los Angeles County market includes everything from first-time purchases and condominiums to move-up homes, multi-unit residential property, and higher-balance financing. The right mortgage structure depends on the borrower, property, and goals—not just the sales price.
Credentials
John A. Garcia
Mortgage Loan Officer | NMLS #2118073
CA DRE #02048683
JRA & Associates, Inc. dba First Premium Financial
Start with the scenario
I prefer to start with the real numbers: payment, cash to close, mortgage insurance when applicable, reserves, property type, and how the financing fits the borrower’s plans. The goal is to find the structure that makes sense for the actual scenario, not force every transaction into the same loan.
General educational information only. Loan programs, guidelines, eligibility, rates, costs, and availability may change and depend on the borrower, property, transaction, lender, and program. This page is not a commitment to lend.