
You'll learn what's included in your payment:
PITIA = Principal + Interest + Taxes + Insurance + Association Dues (HOA)
Qualifications for Conventional, FHA, USDA, and VA.
CalHFA down payment assistance programs available for YOU.
Then, discover what’s happening with Mortgage Rates and see examples of how much home you can qualify for based on today’s rates.

Fernando Armenta has 4 years of experience as a mortgage loan officer and 3 years of experience as a California property tax appraiser. Fernando is also committed to empowering first-time buyers and investors through educational workshops and niche product offerings, making him a trusted figure in the mortgage industry.

You'll learn what's included in your payment:
PITIA = Principal + Interest + Taxes + Insurance + Association Dues (HOA)
Qualifications for Conventional, FHA, USDA, and VA.
Learn about the available CalHFA down payment assistance programs available.
Then, discover what’s happening with Mortgage Rates and see examples of how much home you can qualify for based on today’s rates.

Fernando Armenta has 4 years of experience as a mortgage loan officer and a former property tax appraiser in California. Fernando is also committed to empowering first-time buyers and investors through educational workshops and niche product offerings, making him a trusted figure in the mortgage industry.