Category Archives: Blog

Student Loan Debt Consolidation Program

Don’t let student loans kill the deal! So what’s your best fit? We’ve checked it out for you Qualifying with Student Loan Debt Did you know… Fannie Mae calculates the student loan payment differently depending on the status of the loan. … Continue reading

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Buying a Home is Cheaper than Renting in 38 States! [INFOGRAPHIC]

Some Highlights: According to a study by GOBankingRates, it is cheaper to buy a home than rent in 38 states across the country. In six states the difference between buying & renting would account for less than a $50 monthly difference, … Continue reading

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Home Equity by the Numbers

As home prices have continued to rise across the country, so has home equity. If you’re looking to sell your house and move up to your dream home, right now is a great time to use your equity to do … Continue reading

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Are We About to Enter a Buyers’ Market?

Home sales are below last year’s levels, home values are appreciating at a slower pace, and there are reports showing purchasing demand softening. This has some thinking we may be entering a buyers’ market after sellers have had the upper … Continue reading

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Using the holidays as prime referral season

For those of us in real estate and finance, it is often easy to view the upcoming holiday seasons as times when people are seriously distracted and business can lag. This does not have to be the case! There’s an … Continue reading

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2 Factors to Watch in Today’s Real Estate Market Whether Buying or Selling

When it comes to buying or selling a home there are many factors you should consider. Where you want to live, why you want to buy or sell, and who will help you along your journey are just some of … Continue reading

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Last Week’s Economic News in Review

New home sales rebounded, and consumers kept an optimistic outlook on the economy. Meanwhile, layoffs increased. New Home Sales After declining two consecutive months, sales of new single-family houses grew to an annual rate of 629,000 in August, which was … Continue reading

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Mortgage Interest Rates are Still Going Up… Should You Wait to Buy?

Mortgage interest rates, as reported by Freddie Mac, have increased by close to a quarter of a percent over the last several weeks. Freddie Mac, Fannie Mae, the Mortgage Bankers Association, and the National Association of Realtors are all calling for mortgage rates to rise another quarter of a percent … Continue reading

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Happy October

“The sweet calm sunshine of October, now Warms the low spot; upon its grassy mold The purple oak-leaf falls; the birchen bough drops its bright spoil like arrow-heads of gold.” – William Cullen Interesting Facts October is America’s National Month … Continue reading

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How Does the Supply of Homes for Sale Impact Buyer Demand?

The price of any item is determined by the supply of that item, as well as the market’s demand for it. The National Association of REALTORS (NAR) surveys “over 50,000 real estate practitioners about their expectations for home sales, prices and market conditions” for their monthly REALTORS … 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.

John Salaices

Production Manager NMLSR# 1713806

Jessica Gonzales

Loan Processor

Maria Nunez

Loan Processor