Meet the Team
Rosa L Baltazar Real Estate Broker Lic # 01143186 NMLS # 402721
Hola! I'm Rosa L Baltazar and I have a career spanning 30 years in real estate, I have cultivated a specialty in sales, lending, and mortgage underwriting. My extensive portfolio in both residential and commercial properties stands as a testament to my wide-ranging industry knowledge and versatility. I take pride in my negotiation skil
Hola! I'm Rosa L Baltazar and I have a career spanning 30 years in real estate, I have cultivated a specialty in sales, lending, and mortgage underwriting. My extensive portfolio in both residential and commercial properties stands as a testament to my wide-ranging industry knowledge and versatility. I take pride in my negotiation skills and commitment to excellent service, always striving to exceed client expectations. Whether you're a first-time buyer or a seasoned investor, I bring the insights and expertise gained over decades to ensure your needs are met, and your expectations are surpassed.
Rhett B. Stafford Real Estate Broker Lic# 01068465 NMLS # 1032305
I'm Rhett Stafford, and I've dedicated over 30 years of my life to the real estate industry, earning the title of a Real Estate Broker, mentor, trainer, and sales expert. My journey in this field includes not only real estate brokerage but also a substantial background in mortgage lending. Throughout my career, I've not only achieved per
I'm Rhett Stafford, and I've dedicated over 30 years of my life to the real estate industry, earning the title of a Real Estate Broker, mentor, trainer, and sales expert. My journey in this field includes not only real estate brokerage but also a substantial background in mortgage lending. Throughout my career, I've not only achieved personal success but have also been passionate about mentoring and training the upcoming generation of real estate professionals. My expertise is founded on a deep understanding of the constantly evolving real estate landscape, making me a trusted source of guidance for clients and colleagues alike. My legacy is defined by an unwavering commitment to excellence and a consistent record of delivering outstanding results. With my extensive knowledge and a profound dedication to this industry, I aim to illuminate the path for others, empowering them to excel in the world of real estate while shaping its future.
Eliseo Baltazar R.E Trusted Advisor Lic# 01981559 NMLS # 1378503
Eliseo Baltazar R.E Trusted Advisor Lic# 01981559 NMLS # 1378503
Eliseo Baltazar R.E Trusted Advisor Lic# 01981559 NMLS # 1378503
I'm Eliseo Baltazar a Trusted Advisor in Mortgage Lending and Real Estate with 20+years of experience. My expertise spans lending and real estate sales, and I'm dedicated to helping you achieve your homeownership dreams. With a personalized approach and a deep understanding of the market, I provide tailored solutions you can trust. Let's work together to make your real estate goals a reality.
Gloria Talamantes R.E Trusted Advisor Lic# 01505068 NMLS # 1428480
Eliseo Baltazar R.E Trusted Advisor Lic# 01981559 NMLS # 1378503
Eliseo Baltazar R.E Trusted Advisor Lic# 01981559 NMLS # 1378503
Since I became a licensed real estate broker in 2005, my mission has always been clear: to prioritize my clients' needs above all else. This principle has guided me through nearly two decades in the industry, helping me earn a reputation as a trusted advisor and skilled negotiator.
My career is built on a foundation of integrity, expertis
Since I became a licensed real estate broker in 2005, my mission has always been clear: to prioritize my clients' needs above all else. This principle has guided me through nearly two decades in the industry, helping me earn a reputation as a trusted advisor and skilled negotiator.
My career is built on a foundation of integrity, expertise, and an unwavering commitment to my clients. I've navigated the ups and downs of the market with a focus on ensuring my clients achieve their property goals. My approach is comprehensive, covering everything from residential sales to luxury properties and investment opportunities. I'm continuously expanding my knowledge and skills to serve my clients better, regardless of their real estate needs.
What truly sets me apart is my genuine care for my clients and their needs, treating every transaction as more than just a sale—it's a life-changing experience.
Experience and Integrity
Gil Villalpando- Real Estate Broker
Forty-five years ago, I returned to California after years of active duty abroad.
Two Vietnam Era benefits—the educational program and the Veteran home loan program—helped me achieve the American Dream.
These opportunities inspired me to pursue a career in business and Real Estate Investment. Over the
Gil Villalpando- Real Estate Broker
Forty-five years ago, I returned to California after years of active duty abroad.
Two Vietnam Era benefits—the educational program and the Veteran home loan program—helped me achieve the American Dream.
These opportunities inspired me to pursue a career in business and Real Estate Investment. Over the decades, my mission has remained steadfast: serving my fellow Veterans and their families with integrity, dedication, and experience.
To further this cause, I obtained a Real Estate license to better support the veterans community. In 2004, I partnered with Max Financial Group to more effectively meet the needs of my clients.
Today, Max Financial Group empowers me to help others turn their Real Estate dreams into reality.
In a field where integrity, dedication, and experience matter, I am committed to making a difference. ---
Lorena Martinez Public Notary & Loan Closing Specialist
Lorena Martinez Public Notary & Loan Closing Specialist
Lorena Martinez Public Notary & Loan Closing Specialist
I'm Lorena Martinez , and I'm your trusted Public Notary and Loan Closing Specialist. With years of experience in this field, I take pride in delivering meticulous notarial services and ensuring smooth loan closings for my clients. My commitment to accuracy, detail, and professionalism is unwavering. My deep knowledge of the intricacies
I'm Lorena Martinez , and I'm your trusted Public Notary and Loan Closing Specialist. With years of experience in this field, I take pride in delivering meticulous notarial services and ensuring smooth loan closings for my clients. My commitment to accuracy, detail, and professionalism is unwavering. My deep knowledge of the intricacies involved ensures a seamless and stress-free experience for both buyers and sellers. I believe in clear communication, strict adherence to compliance, and providing exceptional service to all parties involved.
Senior Loan Processor
Lorena Martinez Public Notary & Loan Closing Specialist
Lorena Martinez Public Notary & Loan Closing Specialist
Hi, I’m Yolanda Dale
With a 30-year career as a Mortgage Loan Professional, I am adept at navigating the dynamic mortgage landscape. Since the early 1990’s, I've mastered various mortgage products, adapting to market changes with resilience. My commitment to staying informed on industry trends ensures I provide clients with optimal financ
Hi, I’m Yolanda Dale
With a 30-year career as a Mortgage Loan Professional, I am adept at navigating the dynamic mortgage landscape. Since the early 1990’s, I've mastered various mortgage products, adapting to market changes with resilience. My commitment to staying informed on industry trends ensures I provide clients with optimal financial solutions. Known for clear communication, I guide clients through the mortgage process, building lasting relationships based on trust.
My expertise extends beyond technicalities; I uphold the highest ethical standards, earning the trust of clients and colleagues alike. I take pride in helping individuals and families achieve homeownership dreams, fostering positive outcomes. Ready to continue my journey, I am dedicated to navigating the ever-evolving financial landscape for the benefit of my clients.
Senior Loan Processor
Lorena Martinez Public Notary & Loan Closing Specialist
Senior Loan Processor
Hi, I’m Abril Mejia
Boasting 15 years of expertise, I am a seasoned professional excelling in both Executive Assistance and Junior Mortgage Processing. Specializing in mortgage processing, I possess a deep understanding of the intricacies involved in loan applications, documentation, and compliance. In my extensive career, I’ve honed ski
Hi, I’m Abril Mejia
Boasting 15 years of expertise, I am a seasoned professional excelling in both Executive Assistance and Junior Mortgage Processing. Specializing in mortgage processing, I possess a deep understanding of the intricacies involved in loan applications, documentation, and compliance. In my extensive career, I’ve honed skills in efficiently managing mortgage workflows, ensuring accuracy, and maintaining compliance with industry regulations. My commitment to detail, coupled with effective communication, enables me to navigate the complexities of mortgage processing seamlessly. I am eager to contribute my wealth of experience to a team that values precision, compliance, and a results-driven approach in the realm of mortgage processing.
¡Hablamos Español! Somos Hispanos dedicados a la comunidad
Max Financial Group, Inc
En Max Financial Group, Inc , nos enorgullece ofrecer una amplia gama de servicios que van más allá de las transacciones de bienes raíces. Creemos en empoderar a nuestra comunidad a través de programas para compradores de vivienda por primera vez y brindando educación integral sobre el proceso de compra de una casa.
Nuestra visión es simple: ayudar a las personas a lograr sus sueños de ser propietarios de viviendas. Entendemos que el proceso de comprar una casa puede parecer abrumador, especialmente para aquellos que son nuevos en este emocionante viaje. Es por eso que ofrecemos programas específicos para compradores de vivienda por primera vez, diseñados para facilitar la transición hacia la propiedad de una vivienda. Además de ayudar a los compradores de vivienda, nos enorgullece proporcionar educación detallada sobre todo el proceso de compra de una casa. Creemos que el conocimiento es la clave para tomar decisiones informadas y seguras. Nuestros recursos y asesoramiento experto están diseñados para desmitificar el proceso y garantizar que nuestros clientes estén empoderados para tomar las mejores decisiones para sus familias y su futuro.
LLamenos Hoy! 1-844-MAX-CASA
Products
Our Philosophy
Conventional Loans
10, 15, 20, 25, And 30 Year Fixed
Conforming Fixed
Clients get lower monthly payments and a guaranteed, set interest rate for the life of the loan.
Qualifications:
Min. credit score required: 620
Min. down payment required: 3%
Max. loan amount:
$726,200*
*Subject to county loan limits
5, 7, And 10 Year Adjustable
Conforming Adjustable-Rate Mortgage (ARM)
For high interest rate environments, take advantage of the lowest rates available on the market for a fixed period.
Qualifications:
Min. credit score required: 620
Min. down payment required: 5%
Max. loan amount:
$726,200*
*Subject to county loan limits
10, 15, 20, 25, And 30 Year Fixed
High-Balance
For clients who need easier qualifications than a Jumbo Loan.
Benefits:
Min. credit score required: 620
Loan-to-value ratio (LTV) up to 80% on cash-out properties
Applicable for loan amounts over $726,201 - $1,089,300
10, 15, 20, 25, And 30 Year Fixed
Temporary Buydown
Access to a reduced interest rate* for the first one to three years of the loan.
Overview:
Product Options: 1-0, 2-1 and 3-2-1
Eligibility: Purchase-only Fannie, Freddie, FHA and VA fixed mortgages.
Example buydown contributors: Real Estate Agents, Home Sellers, Builders, and Correspondent Lenders
*Additional terms and conditions may apply.
Non-Agency Loans
10 And 20 Year Fixed
Home Equity Loan
For clients looking for mortgage payment flexibility so they can use their money how they want.
Qualifications:
Min. credit score required: 680
Min. loan amount: $45,000
Max. loan amount: $350,000
30 Year Fixed
Self-Employed Assist
For self-employed clients to qualify using personal or business bank statements.
Qualifications:
Self-employed (at least 25% owner of business for 12 months)
Min. 2 Years self-employment
Min. 2 Years existence of the business
Min. credit score required: 660
7 And 10 Year Adjustable
Jumbo Smart ARM
For clients who have loan amounts above high-balance loan limits with an Adjustable-Rate term.
Qualifications:
Min. credit score required: 700
Min. down payment required: 20%
Max. loan amount:
$2M
15 And 30 Year Fixed
Jumbo Smart Fixed
For clients who have loan amounts above high balance loan limits with a Fixed term.
Qualifications:
Min. credit score required: 680
Min. down payment required: 10.01%
Max. loan amout $3M
Government Loans
Fixed And Adjustable Rate Products
FHA
For clients looking to purchase a home or refinance an existing mortgage with a product that has lower barriers to entry.
Qualifications:
Min. credit score required: 580*
Min. down payment required: 3.5%
An appraisal is not needed in most scenarios
*Non-Serviced Clients have a minimum FICO of 620
Fixed And Adjustable Rate Products
VA
For qualified veterans, service members, and spouses.
Qualifications:
Min. credit score required: 580
Min. down payment required: 0%
An appraisal is not needed in most scenarios
Fixed And Adjustable Rate Products
FHA Streamline
For clients who have an existing FHA loan and want to lower their payments with a streamlined process.
Benefits:
Min. credit score required: 580*
No appraisal needed
Reduced documentation requirements
Quicker turn times
*Non-Serviced Clients have a minimum FICO of 620
Fixed And Adjustable Rate Products
VA IRRRL Streamline
For clients who have an existing VA loan and want to lower their payments with a streamlined process.
Benefits:
Can refinance up to 120% of home value
Reduced funding fee is just 0.5% of the loan amount
No appraisal needed
FICO score as low as 620
Affordable Loans
30 Year Fixed
ONE+ By Rocket Mortgage
An affordable loan option for qualifying clients. Clients pay a minimum of 1% down payment and the remaining 2% down payment will be covered along with mortgage insurance.
Qualifications:
Min. credit score required: 620
Min. client down payment required: 1%
Income Limit: 80% area median income (AMI)
Max. loan amount: $350,000
30 Year Fixed
Purchase Plus
For first-time homebuyers in specific communities looking for assistance with their purchase. This product provides funds for down payment and closing costs.
Also available in high-balance.
Qualifications:
First-time home buyers
Min. credit score required: 620
Min. down payment required: 3%
Income Limit: 80% area median income (AMI)
Offered in six metropolitan statistical areas
30 Year Fixed
Home Possible/Home Ready
For clients looking into affordable financing options for their primary residence. Home Ready and Home Possible supports credit worthy clients in lower income dynamics.
Also available in high-balance.
Benefits:
Min. credit score required: 620
Min. down payment required: 3%
Income Limit: 80% area median income (AMI)
Max. loan amount: $726,200*
*Subject to county loan limits
30 Year Fixed
BorrowSmart
For clients looking for assistance with a home purchase. Freddie Mac BorrowSmart provides affordable financing for clients by providing down payment assistance and capped limits on investor loan level pricing adjustments.
Benefits:
Min. credit score required: 620
Min. down payment required: 3%
Income Limit: 80% area median income (AMI)
Max. loan amount: $726,200*
*Subject to county loan limits
Custom Term Loans
8-29 Year Fixed
YOURgage Custom Term
For clients who want flexibility outside of the traditional 15 and 30 year loan terms on standard or high-balance conventional loans.
Qualifications:
Min. credit score required: 620
Min. down payment required: 3%
Max. loan amount: $726,200*
*Subject to county loan limits
Jumbo:
- Loan amounts up to $4M (can do higher, always making exceptions)
- I/O available with a 650+ FICO
- Cash out available with no max cash in hand depending on LTV
- Foreign National
- Full Doc, Bank Statement, 1099 Only, and P&L Programs, Foreign National, and DSCR available
- No Reserve Requirements less than or equal to 75% LTV, cash out proceeds can be used for reserves
- Can use transferred appraisals
Alternative loa products
Bank Statement Loans
ITIN (Individual Taxpayer Identification Number): LTV up to 70% Bank Statement loans for s/e WVOE + paystubs – NO W2s! 50% DTI, 100% gift funds accepted NO Ratio DSCR: Max LTV 65% Fair market rents qualify entire loan Max LTV up to 75% Loan Amounts up to $4M NO job + NO income verification = NO DTI! Cash flow on subject negative? Can still do the loan Foreign Nationals INCLUDED! , NO FICO? NO PROBLEM!!!
Self- Employed - You've come to the right place!
12 Month Bank Statement Loan:
- FICO as low as 600
- No reserves required < 75% LTV
- Loan amounts up to $10 Million
- We take 100% income for personal, up to 75% for business statements
DSCR (NO JOB & NO EMPLOYMENT NEEDED):
Self- Employed - You've come to the right place!
ITIN (Individual Taxpayer Identification Number): LTV up to 70% Bank Statement loans for s/e WVOE + paystubs – NO W2s! 50% DTI, 100% gift funds accepted NO Ratio DSCR: Max LTV 65% Fair market rents qualify entire loan Max LTV up to 75% Loan Amounts up to $4M NO job + NO income verification = NO DTI! Cash flow on subject negative? Can still do the loan Foreign Nationals INCLUDED! , NO FICO? NO PROBLEM!!!
Self- Employed - You've come to the right place!
ITIN (Individual Taxpayer Identification Number): LTV up to 70% Bank Statement loans for s/e WVOE + paystubs – NO W2s! 50% DTI, 100% gift funds accepted NO Ratio DSCR: Max LTV 65% Fair market rents qualify entire loan Max LTV up to 75% Loan Amounts up to $4M NO job + NO income verification = NO DTI! Cash flow on subject negative? Can still do the loan Foreign Nationals INCLUDED! , NO FICO? NO PROBLEM!!!
ITIN (Individual Taxpayer Identification Number): LTV up to 70% Bank Statement loans for s/e WVOE + paystubs – NO W2s! 50% DTI, 100% gift funds accepted NO Ratio DSCR: Max LTV 65% Fair market rents qualify entire loan Max LTV up to 75% Loan Amounts up to $4M NO job + NO income verification = NO DTI! Cash flow on subject negative? Can still do the loan Foreign Nationals INCLUDED! , NO FICO? NO PROBLEM!!!
ITIN (Individual Taxpayer Identification Number): LTV up to 70% Bank Statement loans for s/e WVOE + paystubs – NO W2s! 50% DTI, 100% gift funds accepted NO Ratio DSCR: Max LTV 65% Fair market rents qualify entire loan Max LTV up to 75% Loan Amounts up to $4M NO job + NO income verification = NO DTI! Cash flow on subject negative? Can still do the loan Foreign Nationals INCLUDED! , NO FICO? NO PROBLEM!!!
Our Services
Real Estate Done Right
Nervous about your property adventure? Don’t be. Whether you're getting ready to buy or sell, in the middle of it, or just looking for some answers, our top-notch skills ensure you get the best experience possible. It’s what we love to do.
Residential- Single Family Home, Condo's, Multi-Family Home, and Investment properties.
We can find it and get it for you at the price that's right. TICs? Fixer-uppers? Luxury? We can help with all of it. We always have a current list of available properties for you to check out.
Rely on Expertise
If you have questions about affordability, credit, legal matters, or income, trust us to find you what you need fast. We make sure you feel confident and educated every step of the way.
Our Mission
Our Expertise
Our Expertise
At Max Financial Group, Inc, our mission is to help our clients achieve their real estate goals and dreams. We are committed to providing exceptional customer service and building lasting relationships with our clients.
Our Expertise
Our Expertise
Our Expertise
With over 30 years of experience in the Real Estate and Mortgage Lending industry, our team has a deep understanding of the local market and can help you navigate the complex process of buying, selling, or renting a property. We are dedicated to staying up-to-date on the latest trends and technologies to better serve our clients.
Our Services
Our Expertise
Our Services
We offer a wide range of services to meet the needs of our clients needs. Our goal is to provide our clients with a seamless and stress-free real estate experience.