Experience

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  Larry martinez real estate

  Jan 1990 - now

  Real estate broker

  Real Estate Broker

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  Ecoverage

  Jan 1999 - Jan 2001

  Network administrator

  Built a Windows computer network for over a hundred users

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  Larry martinez mortgage

  Jan 2001 - now

  Mortgage advisor

  Advised about mortgages

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  California mortgage advisors

  Jan 2009 - Jun 2014

  Mortgage advisor

  Mortgage Advisor

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  California mortgage advisors, inc.

  Jan 2009 - now

  Mortgage Lending of all kinds. If it can be done, we can do it. Advise and originate residential and commercial loans.

  • Senior Mortgage Broker at California Mortgage Advisors Inc.

    Dec 2009 - now

  • Senior Mortgage Advisor

    Jan 2009 - now
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  Peoples home equity

  Mar 2015 - Aug 2015

  Vice president of mortgage lending

  Peoples Home Equity Specialty Products Larry Martinez 415-258-1691 NMLS 256787Stated income (rates between 4 - 5%)No tax returns. No W-2’s or paystubs. No 4506’s. Just verify assets.Departing ResidenceBuying a new home and keep your old one? We have a program that will allow you to rent out your existing home and use the rental income according to a rent survey. No appraisal required. No equity in your existing home required.Non-warrantable condosAre you having difficulty getting a loan on your condo because your complex is not Fannie Mae approved, your complex has on going litigation, your HOA does not have a balanced budget or more than 10% of the units are owned by one entity? Are over 50% of the condos rentals? Try our non-warrantable condo program. Foreign nationalsNo Visa? No US tax returns? No US credit? Foreign bank account? We can take a letter from your creditor stating you are in good standing and we accept a variety of sources of foreign income.Asset depletionNo pledging. No liquidation. We will assume your income by simply verifying your assets. This is in addition to other verified income. This is perfect for high net worth borrowers such as retired persons with low income.Asset pledgingThe lender is named on the asset until the loan is paid off. No qualifying is necessary.FHA and VAWe are also a direct lender for all FHA and VA loans. Our low rates are hard to beat.Rehab loansRemodeling? Construction loans can be expensive and difficult to obtain. Try our FHA 203K loan.Reverse MortgagesRetired on a fixed income? Consider a reverse mortgage. Pay off “other” debt. No mortgage payments for life. Lender can never take your home. No qualifying.Interest OnlyThe latest changes from the Dodd – Frank legislation have lenders turning away from interest only loans. We have them. Show less