Jose Canales - Branch Manager

09/02/2026

An investment property is real estate you buy primarily to earn rental income, build wealth, or make a profit rather than use as your home. Because lenders generally view these properties as higher risk, they typically have stricter financing requirements.

The Money Store offers mortgage programs for qualified real estate investors. Contact me to explore your options and find financing that fits your investment goals!

https://myoc.io/dxdlqgHeLt3

NMLS ID # 237099

08/29/2026

5.0 star review received on Experience.com for Jose Canales by Francisco Z - Excellent job

08/27/2026

5.0 star review received on Experience.com for Jose Canales by Adaku M - Team was very patient with my husband and I and gave us time to get our documents ready and they also answered all the questions we had .

Click to see all 93 reviews of Jose Canales, Branch Manager | NMLS ID # 237099

08/23/2026

A non-QM, or non-qualified mortgage, is a home loan that may help certain borrowers who don’t fit traditional lending guidelines, including self-employed individuals, real estate investors, or those with complex income.

The Money Store offers a wide range of mortgage solutions, including non-QM loans, to help meet different home financing needs. Contact me today to explore your options and see what may work for you!

https://myoc.io/dxdlqgHeLt3

NMLS ID # 237099

08/21/2026

Seller contributions are funds a home seller agrees to put toward certain buyer expenses, such as eligible closing costs, prepaid items, or discount points. They can help reduce the amount of cash you need at closing, but contribution limits and eligible uses vary by loan program.

At The Money Store, I can help you understand how seller contributions may fit into your home financing strategy. Contact me to explore your mortgage options and find the right approach for your goals!

https://myoc.io/dxdlqgHeLt3

NMLS ID # 237099

08/18/2026

A conforming loan is a mortgage that meets guidelines established by Fannie Mae or Freddie Mac, including applicable loan amount limits. For qualified borrowers, conforming loans may offer competitive rates, flexible options, and relatively low down payment minimums.

The Money Store offers a variety of home financing programs to fit different homebuying needs. Contact me to explore your options and find a mortgage that works for you!

https://myoc.io/dxdlqgHeLt3

NMLS ID # 237099

08/11/2026

You've found the right home to buy, your offer has been accepted, and you're counting down the days until closing.

Now is a crucial time to keep your home financing on track. Until your transaction has closed, a change to your financial qualifications could jeopardize your purchase.

Want to prepare for a smooth homebuying journey? Send me a DM, and let's discuss the right steps.

https://myoc.io/dxdlqgHeLt3

NMLS ID # 237099

08/07/2026

When budgeting to buy a home, it's important to look beyond the upfront costs.

Your monthly mortgage payment is made up of several components, and understanding the full picture can help ensure the home you buy is one you can comfortably afford.

Want an estimate of what your monthly payment could look like? Let's discuss what you can expect when buying a home in today’s market!

https://myoc.io/dxdlqgHeLt3

NMLS ID # 237099

08/06/2026

Closing costs are one of the most common surprises for first-time homebuyers.

Many buyers focus on saving for a down payment, but there are additional expenses due at closing when purchasing a home—closing costs. Planning for these costs can help you prepare for a smooth home purchase.

Want help creating your own personalized homebuying budget? Let's discuss your goals today!

https://myoc.io/dxdlqgHeLt3

NMLS ID # 237099

08/04/2026

Many first-time homebuyers worry that having debt means they can't qualify for a mortgage.

The good news is that debt alone doesn’t disqualify you. Mortgage lenders evaluate your overall financial profile, including your income, assets, debt, credit history, and other qualifying factors.

Wondering how your debt could impact your homebuying plans? Send me a DM, and let's discuss your options.

https://myoc.io/dxdlqgHeLt3

NMLS ID # 237099