CA DRE# 02085611
My name is Jose Bermejo, and I am a bilingual (English & Spanish) REALTOR® and Mortgage Loan Originator with World Premier Realty (WPR) and American Home Loan (AHL). I proudly serve families throughout the East Bay Area and the Central Valley, helping them buy, sell, finance, and refinance their homes with confidence.
With experience in both real estate and lending, I offer my clients a seamless, fully informed experience from start to finish. Whether you’re a first-time buyer, a seller preparing for the market, or an investor looking for strong opportunities, my goal is to guide you with clarity, transparency, and education at every step.
As Your REALTOR®
I will help you evaluate property conditions, title factors, and market trends so you can make informed decisions. I also bring specialized training and certifications in Real Estate Investment and Short Sales, which allow me to support clients in more complex scenarios, whether you’re analyzing rental returns, reviewing investment metrics, or navigating a distressed sale. My focus is to protect your interests, minimize risk, and help you make strategic decisions that align with your financial goals.
As Your Loan Officer
I will help you explore the best financing options available, including FHA, Conventional, HomeReady, Home Possible, and Down Payment Assistance programs. For investors, I also offer no-income-verification loan programs, making it easier to acquire multifamily properties and discounted homes in today’s shifting market.
My commitment is simple: to be your trusted partner, offering experience, honesty, and dedicated support long after the transaction is complete.
LOAN SIDE:
LOAN PROGRAMS
As a mortgage broker, I am approved with a wide network of lenders and investors, giving me access to a broad range of loan programs. This allows me to match you with the financing option that best fits your financial situation and long-term goals—whether you’re a first-time buyer, homeowner, or investor.
1. FHA Loans
A great option for first-time buyers or clients with limited credit history. Benefits include: • Down payments starting at 3.5% • Flexible credit requirements • Lower entry costs CalHFA FHA Programs: For eligible first-time buyers, CalHFA offers down payment and closing cost assistance combined with FHA financing. These programs help reduce upfront costs and make homeownership more accessible.
2. Conventional Loans
Ideal for buyers with strong credit and stable income. Includes: • HomeReady and Home Possible programs • Down payments starting at 3% • Competitive rates and flexible terms CalHFA Conventional Programs: CalHFA also offers Conventional financing paired with down payment and closing cost assistance. These programs are excellent for first-time buyers who qualify and want to minimize upfront expenses.
3. Non-QM (Non-Qualified Mortgage) Programs
Designed for self-employed clients, investors, and borrowers with non-traditional income. These programs offer flexible qualification methods beyond standard tax returns.
3.1. Bank Statement Loans
Approval based on bank deposits, not W-2s or tax returns. Perfect for self-employed borrowers.
3.2. DSCR Loans (Debt Service Coverage Ratio)
Investor-focused loans where approval is based on the income of the property, not personal income. Ideal for rental properties.
3.3. 1099 Loans
For independent contractors who receive 1099 income, without requiring full tax returns.
3.4. Profit & Loss (P&L) Loans
Qualification based on a Profit & Loss statement prepared by a CPA. Great for businesses with fluctuating income.
3.5. Asset Utilization Loans
Approval based on your liquid assets rather than monthly income. Ideal for clients with strong savings or investment portfolios.
3.6. ITIN Loans
Financing options available for buyers who use an ITIN instead of a Social Security number. Available for purchases and refinances.
4. Home Equity Lines (HELOCs & Second Loans)
A flexible way to access the equity in your home without refinancing your current mortgage. Common uses include: • Home improvements • Debt consolidation • Investments • Emergency funds.
5. Mobile Home Financing
Programs available for: • Mobile homes in parks • Purchases and refinances • Flexible options depending on property type and location.
