I have been a loan officer since 2004. I am bilingual in Spanish/ English and have been privileged to provide my services and education to thousands of homeowners in Southern California, as well as across the United States. I am considered by my peers and Realtor partners to be a Seasoned Mortgage Expert, with a niche for creativity backed by proven track record of high production and a great sense of urgency. We are a direct lender and mortgage broker approved with over 100+ of the Top lenders in the country. I have accumulated strong relationships with investors and Lenders which I leverage to qualify more buyers. With a much wider variety of loan programs I am able to consistently deliver to my clients THE BEST rates out in the market. My loan approvals are usually between $50,000 higher to $120,000 higher than other lenders because of my aggressive pricing as a wholesale lender. I am able to provide service from FHA, Conventional, VA, to Hard Money, bank statement programs, and Commercial Loans. With my level of experience I am your “One-Stop Shop”! I am known for working long hours and strive to pick up all phone calls, and have a strong team of seasoned professionals as part of my staff. In this rising rate environement, calling me for a second opinion will pay back large dividends in almost all scenarios. I look forward to doing business with you and answering any questions you may have.
Our story is simple, yet our distinguished approach is highly sophisticated. Catering to the most discerning clientele with a desire and demand for luxury real estate. Unmatched commitment to set a new standard in representation of selling and buying real estate.
Alfonso and his team at T.I.M.E Lending went above and beyond for my partner and I. They handled the whole experience professionally and was really inclusive and supportive.
I felt that they really guided us through the entire loan process. Being that they were available 24/7...
TIME Lending helped me start my investment portfolio and secure a higher loan than other lenders, maximizing the FHA process.
If you want a lender that knows the business and prioritizes your financial goals, TIME Lending is the one. I highly recommend!
After speaking with many lenders, Alfonso stood out by diving into my paperwork and providing realistic solutions.
He was always available, even during stressful times, and his expertise made all the difference. If you want the best, choose Alfonso....
Alfonso at TIME Lending expertly handled my home refinance, answering all my questions and securing an even lower rate than expected.
His service exceeded my expectations, and I’m fully satisfied. I highly recommend him to anyone needing a trusted lender.
TIME Lending’s expertise and rates on my VA loan were outstanding. The team patiently answered all my questions, explained every detail, and was always available.
Professional, reliable, and knowledgeable—I highly recommend TIME Lending to anyone purchasing a home.
After struggling with lenders, Alfonso helped us secure our dream home when others couldn’t. He made the process easy, reassured us, and quickly answered all our questions.
I highly recommend Alfonso and will continue using him as our loan officer.
