Our Loan Programs
EC has a number of alternative lending program options offered:
About Johnny Rojas
Johnny is a veteran in the mortgage industry with over 17 years lending experience. His roots are in the Los Angeles area and has now transitioned to the beautiful beaches of Newport Beach, Orange County.
He is currently a Corporate Manager working with origination teams in both the Silicon Valley, Las Vegas and Southern California areas. He holds MLO Licensing in California, Oregon, Colorado, Texas and Florida.
Johnny graduated from Long Beach State University where he earned his BA in Psychology. He is a Veteran of the Armed Forces in which he excelled in his efforts earning the title of Soldier of the Year.
He continues to serve the Veteran community as Chapter President for Orange County’s Veteran’s Association of Real Estate Professionals (VAREP).
He is a husband, a father and an active member of the real estate community thru OCAR, AREAA, and NAHREP.
He enjoys spending time vacationing with his family, exploring new places on cross country road trips, kayaking, Dodgers baseball, and trying new foodie hot spots.
VA Home Loans
The VA helps Service members, Veterans, and eligible surviving spouses become homeowners. VA Home Loans are available with Excelerate Capital. VA guarantees a portion of the loan, enabling us to provide you with more favorable terms and requires zero down payment.
Small Business Owners
We offer Non-QM mortgage products made for small business owners. We can qualify you for a home loan with very competitive rates using your small business’ income and bank statements to help you get into your new home! Contact me today for more information.
Fixed Rate Mortgages
We offer conventional fixed rate mortgage options that can be used for your primary home, 2nd home or investment property. One of the most common types of mortgages is a 30-Year fixed mortgage where the interest rate remains the same over the 30-Year life span of the loan.
If you don’t have an established credit history or limited funds for a down payment, you may qualify for a government-backed FHA loan that has flexible qualification guidelines, low closing and low down payments.