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GR Financial ServicesGR Financial Services

First-time buyers

You do not need perfect credit or a fat down payment.

FHA from 580. As little as 3.5% down. Gift funds. California assistance programs. We explain every line in English or Spanish before you sign anything.

  • FHA from 580 credit and 3.5% down
  • Conventional 3% down for first-time buyers
  • Family gift funds allowed
  • We screen CalHFA and city assistance
  • Every line explained in English or Spanish

Start with a pre-approval

No hard pull on the first step. We'll tell you what you qualify for before you write an offer.

Get pre-qualified

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

$5,664

Principal & interest
$4,472
Est. property tax
$665
Est. insurance
$211
PMI / MIP
$316
Pre-qualify at this payment

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.

Cindy RamirezFirst-time buyers

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.

Lilia HernandezRefinance

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.

Andrea CarmodyFirst home · unique file

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.

Nathaniel BoyerRefinance

Great teamwork for housing financing. We worked with the team to find our house and all the paperwork went very well.

Nguyen LyPurchase

Ready when you are.

Pre-qualify online, book 30 minutes with Josue, or call the desk. Evenings by appointment.

Prefer text? (951) 227-1173
Get pre-qualifiedBook a 30-minute call
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