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Jose Martinez, (NMLS ID 171822)

Jose Martinez

Sr Loan Advisor

NMLS ID: 171822

I look forward to delivering great service and professionalism to you as I help you with your home lending needs.

Apply Now Contact me

2829 Niles Avenue

St Joseph, MI 49085

About Jose Martinez

Let me help you in to your new home. As a mortgage and loan professional for more than 15 years, I have the knowledge and experience to help you through the loan process, find the terms that are right for your budget, and make sure all the legalities are competently handled. My goal is to assure the closing goes smoothly and you can take possession of your new property.

 

Whether you’re a first-time homebuyer, looking to trade up, deciding to downsize, or simply wishing for a change, I can help you before you ever make an offer on a property. We can sit down and look over your budget, income, and savings, helping you get a clear picture of what type and amount of loan is realistic.

 

There are many factors to consider when getting a home loan, and interest rates are only one element of the complete package. I will help you consider all your options so you can concentrate on making the best decision for your needs.

 

 

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Professional Loans
  • Renovation Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Languages Spoken

  • Spanish
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Jose Martinez, (NMLS ID 171822)

Jose Martinez

Sr Loan Advisor

NMLS ID: 171822

I look forward to delivering great service and professionalism to you as I help you with your home lending needs.

Apply Now Contact me

2829 Niles Avenue

St Joseph, MI 49085

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Today's Rate

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1Rate as of 12/3/2021 1:45 PM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $1,025. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 12/3/2021 1:45 PM EST. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,583. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  12/3/2021 1:45 PM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 8,400% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $952. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

Jose Martinez, (NMLS ID 171822)

Jose Martinez

Sr Loan Advisor

NMLS ID: 171822