Business Details
21 Years
experience
Your Trusted Mortgage Partner in California
At Engle Jeremy Mlo, we have dedicated ourselves to helping families achieve the American Dream of homeownership for over two decades. Since our founding in 2005, we have prioritized customer satisfaction, resolving challenges where others have fallen short. Recognized as a top producer in national rankings, including #7 Top Producer and #1 FHA Largest Volume in 2024, our expertise spans conventional, FHA, VA, USDA, and jumbo loans, among others. We specialize in serving Californias Central Coast and Central Valley regions, offering tailored solutions for first-time buyers, investors, and everyone in between.Our teams deep local knowledge and commitment to ethical lending ensure clients receive personalized guidance. Beyond mortgages, we actively support community initiatives like Jacks Helping Hands and Ronald McDonald House. With a focus on transparency, innovation, and trust, we empower clients to make informed decisions, ensuring a seamless path to homeownership.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Reverse Mortgages
Home Equity Loans
Refinance Loans
Construction Loans
Adjustable Rate Mortgages
Details
- Year established: 2005
Highlights and features
- We offer 20+ years of expertise in California mortgage markets.
- Ranked #1 FHA Largest Volume nationally in 2024.
- Specialize in Central Coast and Central Valley property investments.
- Committed to community through partnerships with local charities.
- Team includes certified professionals in new construction financing.
Associations and certifications
- HUD
Services
FHA Loans
FHA loans provide accessible homeownership opportunities with low down payments and flexible credit requirements. Ideal for first-time buyers, these government-insured loans require just 3.5% down. Our team streamlines the process, ensuring compliance with HUD standards while offering competitive rates and personalized guidance for long-term financial success.
VA Loans
VA loans offer exclusive benefits to qualified veterans and military families, including zero down payment options. These government-backed loans prioritize service members with favorable terms. We specialize in navigating VA guidelines, ensuring a smooth application process and helping veterans secure affordable, reliable financing for primary residences.
Construction Loans
Construction loans finance new home or commercial property development, tailored to unique project needs. Our experts craft customized lending solutions, coordinating with builders and investors throughout the construction phase. We offer flexible terms and dedicated support, ensuring projects stay on budget and timelines are met from groundbreaking to completion.
Refinance Loans
Refinance loans help homeowners reduce interest rates, switch from adjustable to fixed rates, or shorten loan terms. We analyze market conditions and client goals to identify savings opportunities. Our streamlined process minimizes paperwork, ensuring a swift transition to more favorable loan terms while maximizing long-term equity growth.
Jumbo Loans
Jumbo loans cater to high-value properties exceeding conventional loan limits, starting above $417,000. These non-conforming loans feature competitive rates and flexible underwriting. Our specialists provide tailored advice, balancing risk and reward to secure financing for luxury homes or unique real estate investments in premium markets.
People
Jeremy Engle
Founder
Jeremy Engle founded Engle Jeremy Mlo in 2005, leveraging 20+ years of real estate financing experience. Ranked nationally for production volume, he specializes in FHA and VA loans, serving Californias Central Coast and Central Valley. A dedicated community advocate, Jeremy supports local charities and empowers families through homeownership education.
Faith Sierra
Team Manager
Faith Sierra oversees team operations with a focus on client satisfaction and process efficiency. With over a decade in mortgage services, she ensures seamless coordination between borrowers and lenders. Her expertise in FHA and VA loan programs enhances Engle Jeremy Mlos ability to deliver timely, accurate financing solutions.
Ally Goulart
New Construction Manager
Ally Goulart specializes in new construction financing, guiding clients through land acquisition, development, and custom home loans. Her background in real estate development ensures clients receive strategic advice for building projects. Allys client-first approach simplifies complex construction loan processes.
Questions
What mortgage programs does Vero Mortgage offer?
We provide FHA, VA, USDA, conventional, jumbo, reverse mortgages, home equity loans, refinancing, and construction loans tailored to diverse client needs.
Do you offer loans outside California?
While we focus on California’s Central Coast and Central Valley, we can facilitate loans in select other states through our national network.
How does the mortgage application process work?
Start with pre-qualification, submit documentation, receive a Loan Estimate, and proceed to underwriting. Our team guides you through each step for clarity and efficiency.
Can I refinance my current mortgage?
Yes. Refinancing can lower rates, switch loan types, or reduce terms. We analyze your situation to determine if refinancing aligns with your financial goals.
What credit score is needed for approval?
A score of 680+ qualifies for best rates, but we assist borrowers with scores as low as 620 through specialized loan programs.
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