ABOUT: JAY

MEET YOUR MLO

Welcome!

My name is Jay. I have been in this industry for over 15+ years, but before we get into that, let me tell you a little bit about myself;

I was born and raised in Southern California.  I went to Fontana High School, located in "sunny so. Cal". Shorty after high school, I attended college out of state. I earned my bachelor’s degree in business, and finished with an MBA in Global Business.  I, also, served in the world’s GREATEST military, serving in the U.S. Air Force!

I am the father of one child (a son- who plays college football on the east coast), I am very proud of him.  When I am not closing deals, pricing deals, or helping people achieve their home & investment dreams, I enjoy; working out, attending faith service, watching movies, attending museums, trying new food places, and traveling- I am a “travel junkie”.

But enough about my personal life, let me tell you about how I got into this industry, and why I am the BEST at what I do (humbly put)… In 2004 I was working within a large retail chain’s administration department, when I was approached by someone (a real estate broker), who heard me speaking about retail sales.  He said; “Have you ever considered real estate? You would make an awesome salesperson!”  At the time, I had a cushy salaried job, where I traveled around the U.S. and helped set-up new programs for the large retail chain. I had always wanted to get into real-estate, however, I just thought I would be more involved on the “property-flipping” side of the business.  
I took a risk, and left my job with the stable salary, and leaped feet first into the crazy world of mortgage loans & lending.  Quickly, I rose to the top of the industry during the “Housing Boom” of the time between 2004-2008.  I became recognized as a leader in the region, then eventually the state.  I switched companies, where I became a “Lending Manager”, helping train and supervise new loan officers.  It was a crazy time in the industry, where nearly every deal could be made, every scenario was possible, and regulations were much more lenient to borrowers.

THEN- BOOOOM! The mortgage industry was brought to its knees, by the housing crisis of 2008.  It was a devastating time to not just home owners, but people working in the industry alike.  Never before, in history, had the market taken such a fast “crash”.  Many of my peers were unable to withstand the drought, resuming their careers prior to real estate, starting new careers or simply retiring.  I NEVER LEFT! Instead… I saw opportunity.  I opened my very own consulting firm, “Holman & Holman LLC”, and began to consult foreign investors.  I moved into commercial lending briefly with Chase Bank, and then direct with a private broker.  As my consulting firm took off, I was financially prosperous, but the entire time, I always felt: SOMETHING WAS MISSING!

My book of business and clients from my old mortgage lending days, stayed in tact, because I can PROUDLY say, I NEVER sold a loan that didn’t benefit my client's BEST interest.  I always saw mortgage as a responsibility, and the money made would come from doing “good business!”, having a GREAT reputation and always putting the needs of the client above the commissions.  So often I would get phone calls from old clients, where I would refer them to other trusted lenders.  They would usually always call me and ask me to return.  After working and achieving some financial success, I always wondered what that void was that I felt.  I decided to take a look into it, because I wanted to feel whatever that absence was…and that’s when I realized it…

I MISSED THE FEELING OF HELPING INDIVIDUALS, FAMILIES, RETIREES & VETERANS!  I missed that residential market clientele.  The people with children, business aspirations, service to the country benefits… those souls.  Those faces fed me the energy I was missing.  I immediately began to plan my return to the residential lending sector.  

Upon my return, I studied the industry trends, market conditions and lending variances, and now I am BAAAAAACK! Better than ever, ready to help you with your lending needs.  Contact me TODAY, to get started.  See our list of “services offered”, but don’t hesitate to inquire even if your scenario isn’t listed.  I can honestly and confidently say: “If Jay can’t do it… nobody can!”

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I look forward to earning your life long business! - Jay C.