30-year fixed
National average · not a locked GR quote
6.76%
Get pre-qualified
Licensed in California · NMLS #990796
The California home loan that actually closes.
Tell us the house. We'll find the loan. Purchase or refinance — conventional, FHA, VA, USDA, jumbo, hard money, all of it. Servicing all of California.
Prefer text? (951) 227-117325+
Years in real estate & lending
EN / ES
English, Spanish & German
990796
Company NMLS
4.6
Google rating
Freddie Mac · U.S. weekly average
This week's market rates
PMMS as of September 10, 2026
15-year fixed
National average · not a locked GR quote
6.09%
Get pre-qualifiedYour GR Financial Services rate is priced to your credit, occupancy, and property — it may be higher or lower than this national average. FHA, VA, jumbo, and hard money are quoted to the file.
3% down · 620 credit
Conventional
Fannie and Freddie programs for buyers with cleaner credit. First-time 3% down options, PMI that drops off, and jumbo when you need it.
Get pre-qualified3.5% down · 580 credit
FHA Loans
The workhorse for first-time California buyers. Lower credit, smaller down payment, and we check you for California down-payment assistance.
Get pre-qualifiedZero down · no PMI
VA Loans
The most powerful benefit most veterans never fully use. $0 down, no monthly PMI, and competitive rates we shop across lenders.
Get pre-qualifiedQuoted to the deal · fix & flip, bridge, land, commercial
Hard money
Asset-based capital when the bank says no. We quote the file — not a teaser rate on the internet.
30- and 15-year figures are the Freddie Mac Primary Mortgage Market Survey (PMMS), a U.S. weekly average of conventional purchase loans, refreshed automatically from Freddie Mac. They are not a commitment to lend or a locked quote from GR Financial Services. Your rate, points, and APR depend on credit, occupancy, property, and lock period. Hard money is quoted to the deal.
Payment studio
What would this home cost each month?
Tap a percent to play with it. Payment updates live.
This is an estimate only — not a Loan Estimate or a locked quote. Taxes assume 1.1% (typical Southern California). Insurance 0.35%. Rate defaults to this week's Freddie Mac 30-year average — edit it to test a payment. Your actual rate depends on credit, occupancy, and property.
Estimated monthly · estimate
$5,635
- Principal & interest
- $4,472
- Est. property tax
- $665
- Est. insurance
- $211
- PMI / MIP
- $287
Loan desk
A product for the file in front of us.
The product follows the file. Conventional, FHA, VA, USDA, jumbo, and hard money — we shop it and pick the path that actually approves.
3% down · 620 credit
Conventional
Fannie and Freddie programs for buyers with cleaner credit. First-time 3% down options, PMI that drops off, and jumbo when you need it.
See program
3.5% down · 580 credit
FHA Loans
The workhorse for first-time California buyers. Lower credit, smaller down payment, and we check you for California down-payment assistance.
See program
Zero down · no PMI
VA Loans
The most powerful benefit most veterans never fully use. $0 down, no monthly PMI, and competitive rates we shop across lenders.
See program
High-balance & jumbo
Jumbo & High-Balance
California home prices often blow past conforming limits. We place high-balance and true jumbo loans so your offer is taken seriously in Riverside, Orange, and Los Angeles counties.
See programZero down · eligible areas
USDA Loans
If the property sits in a USDA-eligible pocket of Riverside or Orange County outskirts, you may buy with $0 down and a modest income cap.
See program
Close in days, not months
Hard Money & Portfolio
Fix-and-flip, bridge, land, and commercial when the bank says no. Asset-based, speed-first, and built for investors who already have the deal.
See programHow it works
Four steps. No mystery.
01
Tell us the goal
Buy, refinance, or fund a deal. Two minutes on the form — or just call.
02
We shop the file
Broker access, not one bank. FHA, VA, conventional, portfolio, and hard money.
03
Pre-approval letter
A letter agents actually respect, so your offer is not a maybe.
04
Close & keys
We stay on title, underwriting, and the seller until you have keys.
From actual closings
Clients who already have the keys.
4.6 · 8 Google
We had no idea where to begin. Josué guided us, broke down pre-approvals, and gave us options. He made the process easy and our goals feel tangible.
We just closed our refinance with GR Financial. Josue was efficient, guided us every step, and the entire process was stress-free. He delivered on everything he said.
We came in with a unique set of circumstances. Josue worked tirelessly with other professionals to get us what we needed. Stress-free. We recommend GR to anyone buying or refinancing.
Quick, stress-free, and exactly what we were looking for. Josue was available for every question and brought a personal touch that sets them apart.
Great teamwork for housing financing. We worked with the team to find our house and all the paperwork went very well.
The broker
Josue Gonzalez does not hide behind a 1-800 number.
Licensed at 18. Raised in his father's real estate office. A father of ten who still takes the call. Great Results are not just an idea — they are our promise.
Meet JosueFor listing & buying agents
We write letters your listing agent will not laugh at.
Same-day pre-approval, bilingual clients, investor files, and a broker who picks up. Send the buyer. We'll make you look good at the table.
Partner with GRReady when you are.
Pre-qualify online, book 30 minutes with Josue, or call the desk. Evenings by appointment.
Prefer text? (951) 227-1173