Why a Local Mortgage Advisor Gives You a Competitive Edge in Today’s Market

Most buyers focus on one thing when starting their home search: the interest rate. And while interests matter, choosing the right mortgage advisor can make an even bigger difference. As a local lender serving Chico, Oroville, Paradise, and all of California, my goal is to guide you with clarity, strategy, and support every step of the way.

🏡 Stronger Offers With Local Pre-Approval

Listing agents trust pre-approvals from local lenders who communicate clearly and close loans efficiently. When your offer includes my pre-approval, it stands out—because they know you’re qualified and supported.

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📱 24/7 Communication & Personalized Service

Big banks can take days to respond. I stay available, answer questions quickly, and keep you informed throughout the entire process. Clear communication reduces stress and helps your loan move faster.

📄 Loan Options Designed for Your Goals

Every borrower is unique. Whether you’re a first-time buyer, using ITIN, self-employed, or trying to secure the lowest monthly payment, I structure your loan around your financial story—not a template.

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📞 Ready to Prepare for 2025?

If you’re planning to buy a home soon, the best first step is a strong pre-approval.

Call or text me anytime—I’m here to help you plan, qualify, and succeed.

📞 Ready to Get Pre-Approved? I’m Here For You.

Whether you’re a first-time homebuyer, ITIN buyer, or looking to upgrade, I’m here to build a personalized plan that fits your goals.

👉 Call or text me anytime — yes, even during the holidays.

Julio Cobian | Local Mortgage Advisor | Chico, CA

Bilingual (English & Spanish) | Serving all of California