Category Archives: Blog

What is the Cost of Waiting Until Next Year to Buy? [INFOGRAPHIC]

Some Highlights: The cost of waiting to buy is defined as the additional funds it would take to buy a home if prices & interest rates were to increase over a period of time. Freddie Mac predicts interest rates to rise … Continue reading

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Last Week’s Economic News in Review

Consumer credit continued to grow, while consumer prices saw an unexpected drop, and layoffs tumbled.  Consumer Price Index Consumer prices for all items in December fell for the first time in nine months, dipping 0.1 percent after no change in … Continue reading

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Last Chance! Homes are a Bargain Compared to Historic Norms

A loaf of bread used to be a nickel. A movie ticket was a dime.  Not anymore. Houses were also much less expensive than they are now. Inflation raised the price of all three of those items, along with the … Continue reading

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Buying a Home this Year? Here Comes the Inventory!

The top reason homeowners cited for not listing their home for sale in 2018, was their belief that they would be unable to find a home to buy. After 3 years of declining inventory for sale, we’re finally starting to … Continue reading

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Selling Your Home? Make Sure the Price is Right!

If you’ve ever watched “The Price is Right,” you know that the only way to win is to be the one to correctly guess the price of the item you want without going over! That means your guess must be just slightly … Continue reading

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Recipe of the month – Slow-Cooker Masala Chicken Stew

1. Lightly coat a large skillet with cooking spray. Heat skillet over medium-high heat. Add chicken thighs, meaty sides down; cook about 6 minutes or until brown on both sides, turning once.  2. In a 3 1/2-4 quart slow cooker combine potatoes, … Continue reading

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Buying a Home Young is the Key to Building Wealth

Homeowners who purchase their homes before the age of 35 are better prepared for retirement at age 60, according to a new Urban Institute study. The organization surveyed adults who turned 60 or 61 between 2003 and 2015 for their data set. … Continue reading

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Buying a House This Year? This Should Be Your 1st Step!

In many markets across the country, the number of buyers searching for their dream homes outnumbers the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show that you … Continue reading

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The Cost Across Time [INFOGRAPHIC]

Some Highlights: With interest rates still around 4.5%, now is a great time to look back at where rates have been over the last 40 years. Rates are projected to climb to 5.0% by this time next year according to Freddie … Continue reading

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How Much Has Your Home Increased in Value?

During 2018, home values increased nationally by over 5%! If you are planning on selling your home in 2019 you may be pleasantly surprised by how much your home has appreciated! Every market is different. Let’s get together if you … 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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Jesus Del Toro

Loan Officer NMLS# 1554011

Cell: (209) 298-7921

 

 

 

 

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

Jesus 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 Jesus 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, Jesus is proud to have a team who shares his dedication and commitment to local homebuyers.

I speak Spanish.

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, Trami 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