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Home Loans

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Get In Touch with a Consultant

Apply now with one of our Mortgage Loan Officers who can assist you with any questions you have including your options for purchasing or refinancing a home. We are here to help create the best experience that is personalized to all your needs!

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Sintia Castro
“Hablo Español”

Cactus | Stoneridge
With over 20 years of experience in mortgage lending and real estate, I’ve had the privilege of helping countless families achieve their dream of homeownership. My deep roots in the community have shaped the way I approach every client—with care, transparency, and a genuine commitment to their financial well-being. I treat every member like family, ensuring they feel supported and confident throughout the home loan process. Whether it’s your first home or your forever home, I’m here to guide you every step of the way. As a bilingual Spanish speaker, I’m proud to serve and connect with our diverse community, making the mortgage process clear and accessible to everyone. Con más de 20 años de experiencia en préstamos hipotecarios y bienes raíces, he dedicado mi carrera a ayudar a las familias a alcanzar el sueño de ser dueños de su propio hogar. Mis profundos lazos con la comunidad han moldeado la manera en que trabajo: trato a cada cliente como familia, brindando orientación honesta, soluciones personalizadas y un apoyo genuino en cada paso del camino. Creo firmemente que todas las personas merecen tener un hogar, un lugar donde puedan construir estabilidad, crear recuerdos y desarrollar su futuro. No importa quién seas ni de dónde vengas, trato a todas las personas por igual, con el mayor cuidado y respeto. Te guiaré paso a paso durante todo el proceso. Como hablante bilingüe de español, me honra servir a nuestra diversa comunidad y hacer que el proceso hipotecario sea claro y accesible para todos.
951-571-5259
951-255-0448
F: 951-571-5259
NMLS# 1760248
no
no
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Robert Dalton

14th Street | University | Canyon Springs
As a career mortgage loan professional Roberts’ stated goal is “To help our members navigate the home loan process with comfort and confidence.” Robert has experience with Conventional loans, FHA loans, VA loans as well as non-prime products. Whatever your home loan needs might be, Purchase, Refinance or Consolidation, Robert will be there every step of the way!
951-571-5501
951-413-9100
F: 951-571-5501
NMLS# 404831
no
no
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Erica Martinez

Corona Plaza | Corona Lincoln | Eastvale
With over 20 years of experience in the financial services industry, Erica Martinez is a seasoned Mortgage Loan Officer dedicated to helping individuals and families navigate the home financing process with confidence, clarity, and care.
951-571-5866
951-255-0366
F: 951-571-5866
NMLS# 491892
no
no
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Javier Ortiz

Magnolia | Riverside Ave | Woodcrest
I’ve spent the past 20 years in the banking industry, beginning on the retail side, where I provided both consumer and business banking services for eight years. I later transitioned into mortgage lending, a role I’ve been dedicated to for the past twelve years. My approach is simple: keep the process clear, straightforward, and stress-free while offering loan options that are tailored to each individual’s needs. I’m excited to bring my experience, dedication, and member-first mindset to the team. Please feel free to reach out with any questions. I’m always here to help.
951-571-5780
951-565-7943
F: 951-571-5780
NMLS# 606893
no
no
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Greg Perez
“Hablo Español”

Bear Creek | Hemet | Murrieta | Perris | San Jacinto | Silver Hawk | Sun City | Sun Lakes
Your local Mortgage Loan Officer with the heart to serve my Inland Empire community in achieving their homeownership dreams. I am fluent in English & Spanish, ensuring effective communication and understanding, making the home buying process seamless and accessible to everyone in our diverse community. My goal is to empower you with the knowledge and resources you need to make informed decisions about your home financing. From competitive rates to flexible loan options, I work tirelessly to secure the best possible terms for you. Let's build your future together in Riverside County. Contact me today to see how I can assist you with your home financing needs.
951-571-5736
951-836-9191
F: 951-571-5736
NMLS# 2657176
no
no
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Cynthia Valadez
“Hablo Español”

Coachella | Indio | Rancho Mirage | Sunrise
With over two decades of expertise in mortgage financing, I bring a wealth of knowledge and insight to the world of Real Estate. Having successfully navigated the ever-changing landscape of lending, I’ve helped countless individuals achieve their dream of homeownership. Whether it’s assisting a first-time homebuyer in making that pivotal purchase or assisting an investor, I’m ready to help you reach your real estate goals.
951-571-5150
951-337-1324
F: 951-571-5150
NMLS# 1964325
no
no
The Garcia Family - Members Since 2003
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Home Equity and Mortgage Loans

Home Equity Rates

Rates Effective Date: December 13, 2025
Loan TypeRateVariableAPR^Index^^Margin
Home Equity Line of Credit Owner Occupied^-8.250%8.277%7.000%1.250%
Home Equity Closed-End Loans Owner Occupied^8.33%-8.36%--

^ APR=Annual Percentage Rate. Rates are subject to change without notice.

^^ Variable Rate indexed to the Prime Rate

Mortgage Rates

Rates Effective Date: December 13, 2025
Loan TypeRateAPR*
30 Year – Conforming Fixed 5.990%6.184%
20 Year – Conforming Fixed5.625%5.819%
15 Year – Conforming Fixed5.375%5.569%
30 Year – Jumbo Fixed 5.875%6.169%
15 Year – Jumbo Fixed5.125%5.419%
30 Year – FHA Fixed6.490%6.784%
15 Year – FHA Fixed6.625%6.919%
5/6 Month Sofr ARM5.500%5.694%
Jumbo 5/6 Month Sofr ARM5.750%6.044%
7/6 Month Sofr ARM5.625%5.819%
Jumbo 7/6 Month Sofr ARM5.875%6.169%

*APR = Annual Percentage Rate. All loans and home equity lines of credit are subject to credit approval. Not all applicants will qualify. Altura will review your credit report along with the information you ...

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*APR = Annual Percentage Rate. All loans and home equity lines of credit are subject to credit approval. Not all applicants will qualify. Altura will review your credit report along with the information you provide to determine if you meet the criteria. Debt to income ratio not to exceed 43%. Proof of income will be required. Loan-to-Value cannot exceed 80%. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply. NMLS# 417696

READ LESS -

Home Equity Rates

Rates Effective Date: December 13, 2025
Loan TypeRateVariableAPR^Index^^Margin
Home Equity Line of Credit Owner Occupied^-8.250%8.277%7.000%1.250%
Home Equity Closed-End Loans Owner Occupied^8.33%-8.36%--

^ APR=Annual Percentage Rate. Rates are subject to change without notice.

^^ Variable Rate indexed to the Prime Rate

Mortgage Rates

Rates Effective Date: December 13, 2025
Loan TypeRateAPR*
30 Year – Conforming Fixed 5.990%6.184%
20 Year – Conforming Fixed5.625%5.819%
15 Year – Conforming Fixed5.375%5.569%
30 Year – Jumbo Fixed 5.875%6.169%
15 Year – Jumbo Fixed5.125%5.419%
30 Year – FHA Fixed6.490%6.784%
15 Year – FHA Fixed6.625%6.919%
5/6 Month Sofr ARM5.500%5.694%
Jumbo 5/6 Month Sofr ARM5.750%6.044%
7/6 Month Sofr ARM5.625%5.819%
Jumbo 7/6 Month Sofr ARM5.875%6.169%

*APR = Annual Percentage Rate. All loans and home equity lines of credit are subject to credit approval. Not all applicants will qualify. Altura will review your credit report along with the information you ...

READ MORE +

*APR = Annual Percentage Rate. All loans and home equity lines of credit are subject to credit approval. Not all applicants will qualify. Altura will review your credit report along with the information you provide to determine if you meet the criteria. Debt to income ratio not to exceed 43%. Proof of income will be required. Loan-to-Value cannot exceed 80%. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply. NMLS# 417696

READ LESS -

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