Jose Menendez NMLS #: 897164 / Hablo Espanol

Jose Menendez NMLS #: 897164 / Hablo Espanol Loan Officer NMLS # 897164 - CA Lic CA-DBO897164 "Licensed by the Department of Business Oversight

03/12/2026

¿Sabías que no necesitas el 20% para comprar tu casa? Es posible comprar tu casa con un mínimo del tres al tres y medio por ciento de entrada inicial. Mándame un mensaje si quieres más información.

02/26/2026

Did you know the average homeowner has over $200k in equity? If a low FICO has kept you from a HELOC, there are alternative paths to leverage that equity. I can help explore options even with mid-500s scores. DM me to learn more.
Note: This post emphasizes education and options without guaranteeing approval. Each situation is unique and requires a consult.

02/19/2026

Did you know you don’t need a 20% down payment to buy a home? You only need 3%–3.5%. Buying a home is easier than you think. Send me a message to review the loan process and estimate your down payment today 🏠

02/05/2026

✨ New 2026 Conforming Loan Limits by County ✨

Understanding the updated limits can help you plan your next move. Here are the new conforming loan limits for selected California counties:

Contra Costa County: $1,249,125
Alameda County: $1,249,125
Los Angeles County: $1,249,125
Orange County: $1,249,125
San Francisco County: $1,249,125
Santa Clara County: $1,249,125
Stanislaus County: $832,750
Solano County: $832,750
Sacramento County: $832,750

If you’re buying in these areas, these limits affect loan options, down payments, and eligibility for jumbo vs. conforming loans.

#2016

01/21/2026

Yes, you can qualify with a 520 FICO score, but you will have some additional hurdles in the loan process. If you have a 620 FICO score, it will make your process a lot smoother with a much better rate and fewer conditions from your lender. If you want more information on how to increase your FICO score, please reach out to me.

01/16/2026

I offer alternative financing for business clients, including 12-month business bank statement loans, 1099 only loans, and profit & loss loans. Reach out if big banks have turned you down. Let’s explore other options you may have.

01/13/2026

It’s important that you “Do” follow these steps when you enter into a contract to buy your home:

Continue paying your bills on time.
Return all documents to your loan officer on time.
Notify your loan officer if you switch jobs or positions.
Keep a paper trail of large deposits.

Before making any major moves, consult with your loan officer.

01/10/2026

Things you shouldn’t do once you’re under contract to buy your home 🏠:

Do not switch jobs.
Do not make any large deposits.
Do not cosign for a personal or car loan.
Do not buy any furniture or appliances.

As always, consult your loan officer first.

Sometimes we need to take a moment to appreciate the little special moments. They grow up so fast! My little princess 👸 ...
11/26/2025

Sometimes we need to take a moment to appreciate the little special moments. They grow up so fast! My little princess 👸

I got to catch up with some good friends in PB over the weekend. Why does the sun feel so much better in San Diego? 😆 ...
10/16/2025

I got to catch up with some good friends in PB over the weekend. Why does the sun feel so much better in San Diego? 😆

It was time to update my professional photos. I’ve gained more gray hairs since my last headshots from four years ago. 😆...
09/29/2025

It was time to update my professional photos. I’ve gained more gray hairs since my last headshots from four years ago. 😆 Thank you so much, , for doing a great job! 🙏🏽

Most people think that once they have the down payment, they’re ready to buy a house.That’s only part of it.If you don’t...
08/27/2025

Most people think that once they have the down payment, they’re ready to buy a house.
That’s only part of it.
If you don’t plan for the rest, the pressure will hit fast.
Before you buy, make sure you have these four things lined up:

• Down payment
• Closing costs
• A buffer for the first month
• Emergency funds

Your emergency funds should cover at least 2–3 months of expenses.
Because once you own a home, there’s no landlord to call when something breaks.
Closing costs are usually about 2–2.5% of the purchase price.
This is how you protect yourself.

Address

3825 Hopyard Road, Suite 150
Pleasanton, CA
94588

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 6pm

Telephone

+15107783995

Website

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