Category Archives: Blog

How A Lack of Inventory Impacts the Housing Market

The housing crisis is finally in the rear-view mirror as the real estate market moves down the road to a complete recovery. Home values are up, home sales are up, and distressed sales (foreclosures and short sales) have fallen to … Continue reading

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Top 4 Home Renovations for Max ROI [INFOGRAPHIC]

Some Highlights: Whether you are selling your home, just purchased your first home or are a homeowner planning to stay put for a while, there is value in knowing which home improvement projects will net you the most Return On Investment (ROI). … Continue reading

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Are Lending Standards Too Loose…or Too Tight?

With home values appreciating at record rates, some are concerned that we may be heading for another housing bubble like the one we experienced a decade ago. One of the major culprits of that housing boom and bust was the … Continue reading

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How much does “not taking vacation” cost you?

Last month we talked about relaxation and how it can help increase your “luck factor.” Continuing on that theme with a different twist, I want to share something I learned about vacation, especially as applied in the American culture. Did … Continue reading

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Parents Say Kids’ Opinions Matter Big When Buying a Home

A recent survey conducted by Harris Poll and released by SunTrust Mortgage found that “55% of homeowners with a child under the age of 18 at the time when they purchased their home said that the opinion of their offspring played a major role in their home … Continue reading

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Last Week’s Economic News in Review

Consumer credit saw a small uptick, while wholesale inventories grew, and layoffs fell slightly. Consumer Credit  Consumer borrowing grew 2.9 percent in April to hit $3.882 trillion, according to last week’s report from the Federal Reserve. April’s credit gains marked … Continue reading

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When Is a Good Time to Rent? Not Now!

People often ask if now is a good time to buy a home, but nobody ever asks whether or not it’s a good time to rent. Regardless, we want to make certain that everyone understands that now is NOT a … Continue reading

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Days on The Market Drops to New Low in April

According to recently released data from the National Association of Realtors (NAR), the median number of days that a home spent on the market hit a new low of 26 days in April, as 57% of homes were on the market for under a month. … Continue reading

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The Cost of Renting vs. Buying [INFOGRAPHIC]

Some Highlights: Historically, the choice between renting or buying a home has been a tough decision. Looking at the percentage of income needed to rent a median-priced home today (28.8%) vs. the percentage needed to buy a median-priced home (17.1%), the choice … Continue reading

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Did Tax Reform Kill the Luxury Market? NOT SO FAR!

The new tax code limits the deduction of state and local property taxes, as well as income or sales taxes, to a total of $10,000. When the tax reform legislation was put into law at the beginning of the year, … Continue reading

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Omar Khamisa

District Manager NMLS# 369325

Cell: (510) 648-5535

 

 

 

 

 

 

District Manager – To educate and advise clients on their home financing options and become a trusted advisor and their lender for life.
With nearly 15 years of experience in mortgage loan management, loan purchasing, refinancing and mortgage planning, Founded and serves as CEO of Mission San Jose Mortgage in Stockton, California. Servicing the greater San Francisco, San Joaquin and Sacramento region his firm specializes in conventional loans ,FHA , FHA 203k, Jumbo Loans, Agency Loans ,Hard Money and foreign buyer purchasing programs.
license under BRE and NMLS works with clients purchasing single family homes, condos/townhomes and residential rentals, and is well versed on REO, bank-owned and short sales, as well as distressed properties, luxury homes and first-time homebuyers.
My previous expertise in the field includes Branch Sales Manager of W.J. Bradley/Mortgage Capital Corp.; Home Loan Manager, Branch Manager and Loan Officer with People’s Choice Mortgage Group;a Mortgage Loan Officer at Bank of America Home Loans;and CFO of Homes & Loans Experts.
I also speak Memon, Urdu and Hindi.

Mortgage Loan Officer

Cell: (510) 648-5535
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Conventional loans ,FHA , FHA 203k, Jumbo Loans, Hard Money
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I also speak Memon, Urdu and Hindi.
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Qaisar Ullah

Loan Officer NMLS# 1561378

Cell: (209) 302-9079

 

 

 

 

 

 

Qaisar Ullah serves as the Loan Officer at Mission San Jose Mortgage. Qaisar is responsible for new business development and loan origination in California.
 

Qaisar has extensive knowledge and understanding of the mortgage loan process. He loves to help people achieve their dream of homeownership and is committed to providing his customers with mortgage services that exceed their expectations. It is very important to Qaisar to build trusting and lasting relationships with his customers.
 

He believes that good, consistent communication is the key to making the process of buying or refinancing a home a successful experience. As a Loan Officer of Mission San Jose Mortgage, Qaisar is proud to have a team who shares his dedication and commitment to local homebuyers.
 

I  speak Malay, Pushtu , Urdu.

NMLS# 1561378
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I speak Malay, Pushtu , Urdu.
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Philip Kilmer

Loan Officer NMLS # 361861

Cell: (209) 609-6329

 


Philip Kilmer serves as the Loan Officer at Mission San Jose Mortgage. Philip is responsible for new business development and loan origination in California.

Philip has extensive knowledge and understanding of the mortgage loan process. He loves to help people achieve their dream of homeownership and is committed to providing his customers with mortgage services that exceed their expectations. It is very important to Philip to build trusting and lasting relationships with his customers.
He believes that good, consistent communication is the key to making the process of buying or refinancing a home a successful experience. As a Loan Officer of Mission San Jose Mortgage, Philip is proud to have a team who shares his dedication and commitment to local home buyers.

VA Homeownership Flyer

 

 

VA loan
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Raelene Mellinger

Loan Officer NMLS# 1602514

Cell: (916) 730-1114

 

 

 

 

 

 

Raelene serves as the Loan Officer at Mission San Jose Mortgage. Raelene is responsible for new business development and loan origination in California.
 

Raelene has extensive knowledge and understanding of the mortgage loan process. She loves to help people achieve their dream of homeownership and is committed to providing his customers with mortgage services that exceed their expectations. It is very important to Raelene to build trusting and lasting relationships with his customers. She believes that good, consistent communication is the key to making the process of buying or refinancing a home a successful experience.

 

As a Loan Officer of Mission San Jose Mortgage, Raelene is proud to have a team who shares her dedication and commitment to local homebuyers.

NMLS# 1602514
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Trami Nguyen

Loan Officer NMLS # 880944

 

 

 

 

 

 

Trami serves as the Loan Officer at Mission San Jose Mortgage. Trami is responsible for new business development and loan origination in California.
 

Trami has extensive knowledge and understanding of the mortgage loan process. She loves to help people achieve their dream of homeownership and is committed to providing his customers with mortgage services that exceed their expectations. It is very important to Trami to build trusting and lasting relationships with his customers. She believes that good, consistent communication is the key to making the process of buying or refinancing a home a successful experience.

 

As a Loan Officer of Mission San Jose Mortgage, Raelene is proud to have a team who shares her dedication and commitment to local homebuyers.

John Salaices

Production Manager NMLSR# 1713806

Jessica Gonzales

Loan Processor

Maria Nunez

Loan Processor