Are you a first-time homebuyer?
Buying your first home is a big step - we make it simple. Get clear guidance, upfront answers, and support from pre-approval to closing.
The mortgage experience
you deserve.
Fast approvals, transparent guidance, and financing built to fit your life — not the other way around.
Welcome to Team Molina.
Your Path to Homeownership Starts With Confidence.
Buying a home shouldn't feel overwhelming. With Team Molina, you get a clear roadmap, proactive guidance, and a lending partner who protects your interests at every step.
Buy With Certainty.
Refinance With Strategy.
From first quote to final signature, we help you make the smartest financial move, tailoring every loan to your goals, timeline, and financial strategy. From pre-approval to closing, our experience becomes your advantage. Whether you're a first-time buyer, upgrading, downsizing, or exploring investment opportunities, we make sure you understand your options, stay informed, and feel supported throughout the journey. We break down the process, anticipate challenges before they appear, and help you secure the right loan from day one - so you can move forward with certainty, not stress. Let's turn your goals into a confident, well-planned homeownership strategy.
Own Your Homebuying Power.
With Lending That Works as Hard as You Do.
Get clear answers, competitive options, and a lending team built around your goals.
Looking for a a specialty loan?
Our Non-QM options give you flexible pathways to qualify, even if traditional guidelines don't fit your situation.
Success, Measured in Happy Homeowners.
Your Experience Is the Benchmark.
At Team Molina, we are driven by the passion to serve our community. We're not your average Mortgage Lender - and from first call to closing day, your satisfaction is how we measure success.
Service areas include:
San Joaquin, Sacramento, Alameda, Amador, Stanislaus, Merced, Contra Costa, Santa Clara, Napa, San Mateo, San Francisco, Merin, Sonoma, Napa, Solano.
Got Questions?
Ask us Anything.
Jose Molina
Sr. Loan Officer
NMLS# 240269
209-609-0212
jose@team-molina.com
eFax: 209-444-0101