Mortgage Advisor

Jose Menendez

Mortgage Advisor NMLS# 897164 Licensed in CA

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5.0
(95 reviews)
(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.

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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
Buy a home Refinance

See what Jose's clients have to say

Rowena G

Jose helped me purchase my first home, and when the iron was hot, helped me to refinance! On several occasions I told Jose that I don't "adult" well and he helps me to tackle those challenges by answering all of my questions and making me more comfortable with the process. ... Read More

Mar 05, 2021

Deb D

Jose was extremely responsive and provided very detailed information throughout the entire process. He is professional, knowledgeable and trustworthy and we closed earlier than anticipated!

Feb 22, 2021

Doneli Linares G

Experience was great.

Jan 28, 2021

maritza v

Jose was recommended to me by a friend because of the great experience he had with him and I’m glad I took the referral. From the start Jose knew what my goals where to purchase my first home. Obtaining my loan was not the easiest but I’m glad Jose stuck through with me! He also got me a great % rate! I will use him in the future again if I need to refinance or buy a second home! Thank you Jose for all your patience with me. ... Read More

Jan 20, 2021

Maritza V

My experience with Jose was great! He gave me all the steps in order to obtain the process of getting my first home. He knew from the start to obtain my loan wouldn’t be easy and I am glad he took the challenge to help me. I got my loan and now I am a first time home owner! ? I would recommend Jose in a heartbeat. He hears you out and has a lot of patience. I will be using him in the future. ... Read More

Jan 13, 2021

Sonia M

My experience with Jose was wonderful he is pleasant and helpful and will go out the extra mile to make sure everything works out.

Jan 08, 2021

Annie S

Very professional and accommodating . He guide and update us every steps of the way what to do and what to expect next. The time line was shortened because of his expertise.

Dec 22, 2020

Shawn V

We started working with Jose in April 2020, at the time we didn't qualify and then we got furloughed due to COVID-19. Jose continued to work with us by provide guidance and answer any questions we had. Once we were able to qualify he moved quickly to make sure we were in our new house as soon as possible. He let us know what documents to have ready, what not to do during the loan process to make sure we didn't have any delays. We closed on time and he was attentive every step of the process. Thanks Jose! ... Read More

Dec 18, 2020

Maria R

This is our second time working with Jose and boy did he exceed our expectation yet again! Jose and his team are friendly, easy to talk to and always replied to our questions in a promptly manner. They truly made the entire process seamless! We were able to get better rates than we expected and a HUGE saving on our mortgage loan. I would highly recommend Jose! Thank you so much! ... Read More

Dec 14, 2020

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equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2021 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, 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 AZ and NV. AZ Corp BK 0906702. 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.)

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.”