Mortgage Advisor

Jose Menendez

Mortgage Advisor NMLS# 897164 Licensed in CA

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(510) 778-3995 jose.menendez@preferredrate.com

430 Sycamore Valley Rd. West
Danville, CA 94526
Branch NMLS# 2055372

About Jose Menendez

Your mortgage is personal, and I understand that.

Jose Menendez has many years of experience in the mortgage banking industry. He has earned the reputation as a seasoned leader in the mortgage lending space. Jose is a firm believer in excellent customer service. If you want someone who is completely invested in YOU, your financial concerns and will not quit until you’re (not only satisfied, but) Happy with the services you receive? We can help you with the best loan program and guidance whether you are a 1st time buyer, buying 2nd home or investment. Jose has knowledge of many down payment assistance programs, he is particularly adept in Conventional, FHA, VA and Jumbo Loans.

As a mortgage and financial professional, his goal is clear: Jose is dedicated to solving clients’ problems. Those problems include helping my clients achieve their mortgage-related goals, savings or debt issues in order and under control, and helping real estate agents generate new referrals and grow their business. His constantly providing clients with helpful, direction and value-added Services. **HABLO ESPANOL.

Read More See my reviews
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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans

See what Jose's clients have to say

Irene L M

Jose helped us from beginning to end, he is very knowledgeable in what he does. We are first time home buyers but he explain all the resources and things we need it to know as a first time home buyers. We are very happy with our new home purchase and very thankful for Jose’s help and his team. We extremely recommend Jose to help you buy your new home! ... Read More

May 20, 2022

jviz

Working with Jose was a great experience. He was very patient with us and is extremely knowledgeable. He always found time to answer our questions. I would highly recommend Jose!

May 04, 2022

Brianda C

Jose's team is AWESOME! They are truly a capable and an dedicated team that cares about their work and the people they are helping. They worked with a sense of urgency and care at every step of the process. Working with them was easy and comfortable. They kept me informed and provided clear information throughout the process. I really appreciated their quick response and follow up to documents and next steps. Highly recommend working with them!!! ... Read More

Apr 28, 2022

bcastro

I am forever grateful to Jose and his team for their help refinancing my loan! They are a truly capable and dedicated team that cares about their work and the people they are helping. I first came to Jose last year when I was struggling to get out of a hard money loan. I’d sought out help at a credit union, but it wasn’t until I talked to Jose that I was given real information and tools to help me prepare and be able to qualify for a mortgage. Working with them was easy and comfortable. Jose and his team kept me informed and provided clear information throughout the process. I really appreciated their quick response and follow up to documents and next steps. Jose’s team worked with a sense of urgency and care at every step of the process. It was not just about a transaction- I felt they truly cared about helping me transition to a loan with better terms. Highly recommend working with them. Thank you so much Jose!!! ... Read More

Apr 27, 2022

Juan Portillo R

Es una persona mui amable y serio en sus trabajo profesional. Ami me ayudado en tres ocasiones. Lo recomiendo

Apr 13, 2022

deba s

I just want to say Big Thank You for Jose, our mortgage advisor. He provide most professional services. Working with him was a wonderful experience. We were first time home buyers, and we had many questions. Jose really helped us through. We definitely be recommending Jose to our friends Jose is the best!!! ... Read More

Apr 05, 2022

Julia S

Very grateful to have Jose work on my loan. He was very helpful and explained in detail to questions and concerns I had. I feel very lucky to have worked with Jose.

Mar 24, 2022

Demetria L

Jose made things fast and efficient. We got our bid in quickly and he made sure we stayed on the timeline when in escrow. I would recommend Jose and will use him again in the future. Thank you Jose!

Mar 19, 2022

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2022 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

Licensed by the Dept. of Business Oversight under the CRMLA.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ Corp BK 1014819. CA DRE #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 2941/164. Licensed under the Oregon Consumer Finance Act.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – Residential Mortgage Banking | 100 West Randolph St, 9th Floor | Chicago, Illinois 60601 | (844)768-1713

Licensed by the Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”