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🌻 Feel-Good Friday: Building Community, One Home at a Time

  • jcobian91
  • Oct 10, 2025
  • 2 min read

Happy Friday! As a local mortgage lender in Chico, one of my favorite things about this job is seeing how homeownership strengthens our community. Every loan I help close isn’t just about numbers — it’s about helping people plant roots, grow stability, and build a better future right here in our beautiful city.

 

 

 

 

🏡 Homeownership Grows More Than Equity

 

 

When someone buys a home, they’re not just investing in property — they’re investing in their neighborhood. They’re supporting local businesses, meeting their neighbors, and creating spaces that bring people together.

 

That’s why I believe a mortgage should never be “one size fits all.” Every buyer has a story, and every loan should reflect that. Whether it’s helping a first-time homebuyer with down payment assistance or guiding a family toward refinancing for a better rate, my goal is to make sure every client feels cared for and understood.

 

 

 

 

🌿 Why Working With a Local Mortgage Lender Matters

 

 

As your Chico mortgage lender, I’m here — not in a call center across the country. I know the local market, I work with Chico’s real estate agents, and I understand what it takes to get you from application to closing smoothly.

 

When you choose a mortgage lender near you, you’re choosing real connection and real accountability. You’re working with someone who’s part of the same community — someone who shops at the same farmers market, walks the same parks, and wants to see our city thrive.

 

 

 

 

💬 Let’s Make Home Happen

 

 

If you’ve been searching for a “mortgage near me” or wondering what steps to take next, I’d love to help. Whether you’re ready to buy, refinance, or just start exploring your options, I’ll make sure you understand every step of the process.

 

📞 Call or message me today — let’s talk about your goals and create a personalized plan that gets you closer to homeownership.



 
 
 

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Julio Cobian 
NMLS #691954
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11122 Mangrove, Chico CA 95926
1933 Bird St, Oroville CA 95965
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Office : 530-341-8376
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Cell : 619-793-6994

Not a commitment to lend. Rates and terms subject to change without notice. Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Act No. 4130968; AL #22653; AR #32700; Colorado regulated by the Division of Real Estate; DE #019623; FL #MLD819; Georgia Residential Mortgage Licensee #20924; ID #MBL-5861; Kansas Licensed Mortgage Company #MC.0025601; KY: #MC701698; MD: #16927; Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the NJ Department of Banking and Insurance; NC: L-152867; NV: #3681; OK: #ML012358; Licensed by the Oregon Division of Financial Regulation #ML-3808; PA: #37008; TN: #112513; Licensed by the Virginia State Corporation Commission #MC-5579, WV: #ML-31523/MB31759, WY: #3964. NMLS #1141. www.nmlsconsumeraccess.org

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER 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 MORTGAGE BANKER RESIDENTIAL MORTGAGE 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.

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© 2025 by Julio Cobian.

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