Credit Ascent Program

CEO – 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.

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.

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

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 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.

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

Amal 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 her customers with mortgage services that exceed their expectations. It is very important to Amal to build trusting and lasting relationships with her 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, Amal is proud to have a team who shares her dedication and commitment to local homebuyers.

I speak Arabic.