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Your Home Loan Starts with the Right Vision

Transform your relationship with housing

Why I Chose to do Loans

Helping people navigate the obstacles of achieving homeownership is what gives me joy. Today, real estate transactions have become too transactional and commercialized. I endeavor to provide every First Time Home Buyer with an experience as bespoke as their loan. 

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Timothy Joe's headshot


My Story

Tim started his real estate career as a real estate apprentie in 2003. He then worked for investors to property manage and flip hundreds of homes.

He’s taken up nonprofit work with global and national efforts. He has previously worked with the USC Shoah Foundation in creating a compelling voice for tolerance through audio-visual interviews with survivors and witnesses of genocide survivors. He worked with the FH Foundation, a patient-centered organization dedicated to research advocacy, and education of Familial Hypercholesterolemia.

 

Tim is focused on honoring the city and local communities that molded him into what he is today. He was formerly on the Board of Directors for the Arcadia Historical Society and the California Association of Mortgage Professionals. Today, he is the President of the Arcadia Police Foundation.

 


 

Loan Programs

Lenders preapprove you by looking at your income, assets, debts, and credit record. But your financial life is much more complicated than that. Only you can decide how much you’re comfortable paying upfront and each month — which means only you can decide how much to spend on a home. Share with me what your financial goals are as they relate to your new home (i.e. lower monthly payment, pay off the loan sooner than later, etc.), and I will find the loan that fits your needs. Once you find the right home to buy, things start to move very fast. There are a lot of tradeoffs and choices to make when choosing a mortgage. 

Conventional

Conventional loan, Fannie Mae, Freddie Mac

Down payment starts at 3-5%

A conventional loan is any mortgage loan that is not insured or guaranteed by the government (such as under Federal Housing Administration, Department of Veterans Affairs, or Department of Agriculture loan programs). 

FHA/VA

FHA loan, VA loan, Government loans, 3.5% down, low down payment

Down payment starts at 3.5%/0%

FHA assists those with less-than-perfect credit, or who have little money to put as a down payment, in getting a home.

VA Loans are reserved for active duty military, eligible veterans and reserves or their surviving spouses, 

Jumbo

Jumbo loans, $1,000,000 loan amount, $1,500,000 loan amount, 20% down

Down payment starts at 10%

Mortgage loans are allowed to exceed the loan limits set by Federal Housing Finance Agency (FHFA). Larger loans are called jumbo mortgages. 

Success Stories

"I closed my house less than 30 days. He have been outstanding since the beginning of the process until the end. I was quoted low pre-approval from a different lender who said was a pro-veteran loan agency. It discouraged me and made me almost stop looking to buy. However, my real estate agent referred me to Timothy Joe and that was the best decision I have ever made."

Marcello Lintuuran

Contact me to find
your way to happier habitations

440 E Route 66, Glendora, CA 91740

(626) 348-6426

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