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Manuel Corral - The Corral Team

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Manuel Corral - The Corral Team

NMLS #153224 | Branch NMLS #153582 | Golden Empire Mortgage NMLS #2427 Manuel Corral (NMLS # 153224) began his career in 1979 at the age of 19.

On that same year, he was voted Rookie of the Year for the International Real Estate Network. In 1984, he was among the top 100 Sales Associates in Century 21 Region 5 and was the top commission Sales Representative for the San Gabriel Valley in September of that year. In 1985, Manuel began working for Home Savings of America, where he began his career in the Mortgage Banking Industry. Manuel was a member of Home Savings of America’s prestigious Presidents Club and surpassed the quotas set by the company for loan production. He has also worked for prominent companies such as Great Western Bank and CTX Mortgage, one of America’s largest home-builders. Manuel has been with Golden Empire Mortgage since 1996 and is currently a member of GEM’s Elite Platinum Club. He has consistently been in the Top 2 for the company for the past 18 years and has been #1 in the company for the past 8 years. He has funded over $1 Billion in loan volume and has made over 5000 loans. In the past 3 years he has funded over 1250 loans totaling over $270 Million in closed loan amounts. Manuel is currently recognized by several organizations for his achievements. He has been in the Top 200 Mortgage Originators since 2009 for Executive Mortgage Magazine and The Scotsman Guide. He has been the #1 Lending Hero for the State of California’s Down Payment Assistance program CalHFA since 2014. He has also been recognized as one of the Top Latino Mortgage Originators with NAHREP (National Association of Hispanic Real Estate Professionals) since 2014. Currently, Manuel is being coached by Building Champions and Todd Duncan’s Elite Group. Manuel has been the Production Manager of GEM Mortgage in Pomona, California since 2003. He and his wife Teresa reside in Chino Hills, California. He feels blessed to have 3 amazing children. Manuel credits his success to his belief in God, his family, and his many mentors and business associates. He believes in “People before Profits and Reputation before Revenue.”
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. Equal Housing Lender. Visit http://www.manuelcorral.com/ for more information.

10/31/2026

🎃👻 Wishing you a spook-tacular Halloween! 🕸️✨

May your day be filled with treats, tricks, and plenty of festive fun! 🧡🖤
From all of us, have a fang-tastic Halloween! 🦇🍬

10/29/2026

Adjustable-rate mortgages (ARMs) are making a comeback, and it's easy to see why.

In October, starting rates for ARMs were running almost a full percentage point below fixed-rate loans. On a median-priced home, that can mean your payment could be roughly $150-300 less per month.

For buyers struggling with affordability, that’s worth considering. Just know that they do come with some trade-offs – the biggest of which is that your rate (and your payment) could rise after a set timeframe.

And just in case you’re thinking…aren't ARMs risky? You should know today's ARMs aren't like the ones from 2008. But they do work differently than a fixed-rate mortgage, so it pays to understand them first.

As a trusted lender, we can help you explore how these loans work, how they can help, and we can walk you through the what-ifs. Call us to get started @ 909.598.7800.

10/27/2026

Here's something most buyers overlook…

When the housing market slows down, homeowners and builders don't always have the same priorities.

A homeowner may be willing to wait for a better offer. But builders with completed homes sitting unsold often have more reason to keep sales moving.

In October, over 60% of builders offered some type of incentive. And almost half (43%) cut prices.

That could mean more negotiating opportunities for you.

The trick is knowing where to look. Let's find the builders with more move-in-ready homes available right now and see what they're willing to offer to get their inventory sold. Lets talk! Call our office @ 909.598.7800.

10/22/2026

Are home prices going up or down? It depends on where you look.

Over the past year, prices in Chicago climbed almost 7%. In Seattle, they dipped about 1.6%. That’s a nearly 9-point gap between two major cities.

Look at little closer, though. Home prices are rising in 13 of the 19 major cities on this chart. And where prices are down, the dips are small (less than 2%).

So, this isn’t a crash. It’s just a market normalizing after overheating during the pandemic. And that’s hitting some areas differently than others.

Here’s what it really means. Your local market matters.

If you’re selling where prices are still rising, you may not need to cut your price. And if you’re buying where prices are softer, you may have more room to negotiate.

National headlines can’t tell you which side your neighborhood is on. Local data can. Let’s look at how prices are moving in your area, so you can set your price or make your offer with confidence. Call our office for more information @ 909.598.7800

10/16/2026

Want to move but don’t want to give up your current low rate? This is for you.
Data shows homeowners with a mortgage have an average of $310K in equity right now.

And that means if you've been putting off a move because you don't want to give up the mortgage rate you locked in a few years ago, your equity could help.

You could use it toward a bigger down payment and borrow less at today's rates.

Or, if you're downsizing, you might even be able to buy your next home in cash. No mortgage. No worrying about today’s rates.

Want to know how much equity you have and what it makes possible for you? Call our office @ 909.598.7800 and I'll help you find out.

10/15/2026

Hoping mortgage rates will come down soon? The latest inflation report just made that outlook a little more complicated.

Inflation climbed to 3.7% in September, higher than economists expected. And while rising gas prices were a big driver, costs increased across several other categories too.

Why does that matter for housing? Because stubborn inflation makes it harder for the Fed to justify lowering their Federal Funds Rate. It could even increase the chances of another hike.

Now, the Fed doesn't directly control mortgage rates. But inflation and Fed expectations influence them, which means there's no guarantee mortgage rates will move lower anytime soon.

If you're planning to buy or sell, don't let a hoped-for rate drop be the only thing driving your timeline.

Let's look at what today's market means for your move and build a plan around the numbers you can actually work with. Give us a call @ 909.598.7800

09/24/2026

The best time to buy a home this year is here.

Realtor.com says September 27–October 3 is expected to bring the best combination of buyer-friendly conditions in 2026.

We’re talking about more homes to choose from, better pricing, less competition, and more time to decide. And maybe that’s enough to offset some of the pressure today’s higher rates are putting on your budget.

Want to find out? Let’s have a quick conversation about what’s expected in our market and what’s available in your price point. Call our office at 909.598.7800.

And just so you know, the window doesn’t close after that one week. It’s open all October long.

09/22/2026

Mortgage rates have been climbing again, and if you're hoping to buy, that can feel discouraging.

Here’s what you have to remember.

You can't control where rates go. But you can control a few things that shape the rate you actually get: your credit score, the type and term of loan you choose, and whether you buy a newly built home, where builders are often buying down rates to bring buyers in.

Focus there, and you put yourself in a stronger spot without waiting on the market.

Want to talk it through? Let's connect. Call our office at 909.598.7800

09/11/2026

Remembering the lives lost, the heroes who answered the call, and the families who continue to carry their loved ones in their hearts.

Never forget. 🕊️

#911

09/09/2026

Everyone's been watching mortgage rates. But there's another trend buyers shouldn't overlook...

Every fall, the housing market tends to shift.

More homes hit the market. Asking prices often soften. And sellers are usually more willing to negotiate.

Those seasonal changes happen almost every year – and they can make buying a little easier.

Let's talk about whether those same trends are showing up in our local market – and what it means for you. Call our office @ 909.598.7800.

Address

15345 Fairfield Ranch Road, Suite #125
Chino Hills, CA
91709

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	8am - 5pm

Website

https://manuelcorral.com/

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