John Torres - Mortgage Broker NMLS 2776170

I’m a dedicated Mortgage Broker helping individuals and families turn homeownership goals into reality through smart, customized financing solutions. With access to a wide network of lenders, I structure loan options tailored to your financial picture — not a one-size-fits-all approach.

Whether you’re purchasing, refinancing, or investing, I provide clear guidance and a streamlined process from application to closing.


Book a time to discuss your goals — you’ll leave with a clear plan and confident next steps.

Home Buyer Strategy (Move-Up / Repeat Buyers) - Consultation

Whether you’re upgrading, relocating, or purchasing again, this strategy session ensures you’re positioned to win in today’s market.

We’ll focus on:
• Structuring a strong pre-approval
• Reviewing income, assets, and buying power
• Payment scenarios and loan options
• Timing your sale and purchase (if applicable)
• Creating a competitive offer strategy

The goal is simple: make your next move smooth, strategic, and stress-free.

  • 45m

  • 1

First Step to Homeownership – Consultation

Buying your first home is exciting — and it can feel overwhelming. This meeting is designed to give you clarity, confidence, and a simple game plan.

During our session, we’ll cover:
• How much home you can realistically afford through pre-qualification
• Down payment options (including low down payment programs)
• Loan types that fit first-time buyers
• Credit review and improvement tips (if needed)
• The full step-by-step homebuying process

You’ll leave knowing exactly where you stand and what your next move is. No pressure — just honest guidance and a clear path forward.

  • 45m

  • 1

John Torres - Mortgage Broker NMLS 2776170 | Cal.com