Manuel Corral - The Corral Team

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.

Still deciding whether to buy your first home now or wait? Here’s something you’ll want to consider.Buyers who get into ...
06/02/2026

Still deciding whether to buy your first home now or wait? Here’s something you’ll want to consider.

Buyers who get into their first home around age 30 build about $119,000 more in net worth by age 50 compared to those who wait until their 40s.

So, every year you spend saving for the "right" moment could quietly chip away at your future wealth.

That doesn’t mean buy before you’re ready. But it does mean, if you’re ready and able to buy now, it may be a better strategy than waiting.

Call our office at 909.598.7800 and let's map out what timeline fits your situation and our market.
You might find that a head start matters more than waiting to save the "perfect" down payment.

After a year or more of rates coming down, things have changed. And lately, mortgage rates have been climbing again. And...
06/01/2026

After a year or more of rates coming down, things have changed. And lately, mortgage rates have been climbing again.

And if that's made you wonder whether you should delay your move until they drop, you're not the only one.

The honest truth is that rates probably won't come down much until inflation cools off and some of the global uncertainty settles. And no one knows exactly when that'll be.

But what most headlines won't tell you is that rates aren't the only thing that affects affordability. Sure, they’re a big factor, but not all of the affordability news is bad.

Wages, home prices, and inventory are all trending in a direction that could still help make your move possible.

Want to know what that actually looks like for your situation? Call our office at 909.598.7800.

Because even though rates are higher, there are pockets of opportunity in any market, if you know where to look.

Home upgrades. Debt consolidation. More breathing room. ✨A low-stress home equity loan can help you move forward without...
05/28/2026

Home upgrades. Debt consolidation. More breathing room. ✨

A low-stress home equity loan can help you move forward without changing your current mortgage. If you’ve been thinking about your next step, this is your sign to contact us! Call our office at 909.598.7800 🏡

Today, we honor the heroes who served and sacrificed for our freedom. Wishing everyone a safe and meaningful holiday.Ple...
05/25/2026

Today, we honor the heroes who served and sacrificed for our freedom. Wishing everyone a safe and meaningful holiday.

Please Note:
In observance of Memorial Day, our office will be closed. We'll re-open tomorrow during regular office hours.

ICYMI: ARRIVE Home - Down Payment Assistance Program is HERE!What type of DPA is this, you say? It's a forgivable FHA lo...
05/22/2026

ICYMI: ARRIVE Home - Down Payment Assistance Program is HERE!

What type of DPA is this, you say? It's a forgivable FHA loan product with 600 minimum credit score (vs. 640 for CalHFA), no income limits, and full forgiveness after 36 timely payments—designed to help agents convert leads with limited cash and lower credit scores into closed transactions.

NOW is the perfect time to learn more and see if this program could help make homeownership happen sooner than later.
Contact our office if you're interested in more information about ARRIVE @909.598.7800

Mortgage rates have been a little volatile lately. And if that’s made you hesitate, you’re not alone.But here’s the part...
05/16/2026

Mortgage rates have been a little volatile lately. And if that’s made you hesitate, you’re not alone.

But here’s the part most people aren’t talking about:

Even now, rates are still lower than they were during the last 3 Spring seasons.

So, while things may feel a bit uncertain, the opportunity to buy hasn’t disappeared.

Want to talk through your options and check how the numbers could look at today’s rates? Let’s connect. Call our office at 909.598.7800.

Ready to help more clients take the next step toward homeownership?Join us NEXT THURSDAY for "From Renter to Owner: The ...
05/14/2026

Ready to help more clients take the next step toward homeownership?

Join us NEXT THURSDAY for "From Renter to Owner: The Ultimate Game Changer Seminar" — an informative session focused on creating new opportunities for future homeowners. We’ll be covering exciting financing options, including a newly available down payment assistance program designed to make buying a home more achievable.

Empower your clients with valuable insight, practical guidance, and resources that can help them move from renting to owning — while giving you more confidence in every transaction. 🏡✨

Join us on Zoom and learn how to better support your buyers in today’s market.

Scan the QR code to register or register through this link here:
https://us02web.zoom.us/meeting/register/odQqZc27TUqlD8TMh2K0MA

Online searches for down payment information recently hit an all-time high. That shows a lot of buyers aren’t sure what’...
05/14/2026

Online searches for down payment information recently hit an all-time high. That shows a lot of buyers aren’t sure what’s actually required, and they’re looking for answers.

Unfortunately, many still think they have to put 20% down.

But the data says something very different is happening.

The typical first-time buyer actually puts down about 10% – that’s half of what you probably expected. And some do as little as 3.5% or even 0% down (depending on their loan type).

So, that 20% myth is only holding you back and delaying your timeline more than necessary.

If you’re curious about what’s really required, it’s worth having a conversation with a trusted lender. A true expert can give you better information than an online search.

Then let's chat about what your budget can get you in today’s market.
Call our office at 909.598.7800

Buyers have more leverage today than they’ve had in years. That’s true.But Spring is still one of the busiest times to b...
05/13/2026

Buyers have more leverage today than they’ve had in years. That’s true.

But Spring is still one of the busiest times to buy, especially if you’re looking in a popular area. So, it never hurts to make the best offer you can to catch the seller’s eye.

And stand-out offers are about strategy as much as speed these days.

If you want help crafting a strong offer based on what’s happening in our market right now, Call our office at 909.598.7800.

“Should I just wait?” It’s one of the most common questions right now. Maybe you’re even asking yourself the same thing....
05/12/2026

“Should I just wait?” It’s one of the most common questions right now. Maybe you’re even asking yourself the same thing.

While the right time to make a move will ultimately depend on your situation, here’s what I can tell you.

People are still buying and selling, even with everything going on – that means you can too.

Pending sales are up from last month, and a lot more buyers are applying for mortgages than this time last year.

So, if moving still matters to you, you don’t have to wait.

You just need a plan that works for today. Want to figure out what that looks like for you? Let’s talk. Call our office at 909.598.7800

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

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

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