Category Archives: Blog

Where Are Interest Rates Headed in 2019?

The interest rate you pay on your home mortgage has a direct impact on your monthly payment. The higher the rate, the greater the payment will be. That is why it is important to know where rates are headed when … Continue reading

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Homeowners Aged 65+ Have 48x More Net Worth Than Renters

Every three years, the Federal Reserve conducts their Survey of Consumer Finances in which they collect data across all economic and social groups. Their latest survey data covers responses from 2013-2016. The study revealed that the median net worth of a homeowner was $231,400 … Continue reading

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Happy December

“Every year at just this time, In cold and dark December, Families around the world All gather to remember, With presents and with parties, With feasting and with fun, Customs and traditions for people old and young.” – Helen H. … Continue reading

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4 Reasons to Buy A Home This Winter!

Here are four great reasons to consider buying a home today instead of waiting. 1. Prices Will Continue to Rise CoreLogic’s latest Home Price Insight report revealed that home prices have appreciated by 5.6% over the last 12 months. The same report predicts … Continue reading

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Home Prices Up 6.34% Across the Country! [INFOGRAPHIC]

Some Highlights: The Federal Housing Finance Agency (FHFA) recently released their latest Quarterly Home Price Index report. In the report, home prices are compared both regionally and by state. Based on the latest numbers, if you plan on relocating to another state, waiting to move … Continue reading

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Further Proof It’s NOT 2008 All Over Again

Home sales numbers are leveling off, the rate of price appreciation has slowed to more historically normal averages, and inventory is finally increasing. We are headed into a more normal housing market. However, some are seeing these adjustments as red … Continue reading

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24% of Renters Believe Winter is the Best Time to Buy a Home

In real estate, the spring is often seen as the ideal time to buy or sell a house. The term “Spring Buyer’s Season” exists for a reason, as renters and those looking to move on from their current home thaw out from … Continue reading

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The #1 Reason to Not Wait Until Spring to Sell Your House

Many sellers believe that spring is the best time to place their homes on the market because buyer demand traditionally increases at that time of year, but what they don’t realize is that if every homeowner believes the same thing, … Continue reading

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5 Reasons to List Your Home This Holiday Season

Every year at this time there are many homeowners who decide to wait until after the holidays to list their homes. Here are 5 powerful reasons why waiting until after the holidays to sell your home probably doesn’t make sense. … Continue reading

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Buyers: Don’t Be Surprised by Closing Costs!

Many homebuyers think that saving for their down payment is enough to buy the house of their dreams, but what about the closing costs that are required to obtain a mortgage? By law, a homebuyer will receive a loan estimate from their … 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

Maria Nunez

Loan Processor