About Billy Robles

WE DARE YOU TO COMPARE

Hi, I'm Billy Robles, and I believe in providing real human contact in an industry that's increasingly automated. When you work with me, you're not dealing with a call center or chatbot – you're working directly with an experienced loan officer who cares about your success.

As a licensed California Loan Officer, I specialize in helping homebuyers and homeowners navigate the often complex world of mortgage financing. Whether you're a first-time buyer, a veteran looking to use your VA benefits, or a homeowner considering a refinance or HELOC, I'm here to guide you every step of the way.

My Commitment to You

I don't just process loans – I build relationships. Every client has unique goals, challenges, and circumstances, and I take the time to understand your specific situation. My job is to find the right loan program for YOU, not to force you into a one-size-fits-all solution.

My Approach

Education First: I believe informed clients make better decisions. I'll walk you through every aspect of your loan, answer all your questions, and make sure you understand your options.

No Pressure: You'll never feel rushed or pressured to make a decision. This is likely the biggest financial decision of your life, and you deserve time to consider your options.

Responsive Communication: I respond to calls, texts, and emails quickly. You'll always know where you stand in the process, and I'll proactively keep you updated.

Problem Solving: If challenges arise (and they sometimes do in mortgage lending), I work creatively to find solutions rather than giving up.

Specialized Services

For First-Time Homebuyers:

Buying your first home can be overwhelming. I'll guide you through every step, help you understand your financing options, and connect you with down payment assistance programs you may qualify for. My goal is to make your first home purchase as smooth and stress-free as possible.

For Veterans & Military Families:

Thank you for your service. I'm honored to help veterans and active military members take advantage of their VA loan benefits. Zero down payment, no PMI, and competitive rates – let's put your benefits to work.

For Refinancing:

Whether you want to lower your rate, shorten your term, consolidate debt, or access your home's equity, I'll analyze your situation and determine if refinancing makes sense. If it doesn't, I'll tell you – I don't believe in refinancing for refinancing's sake.

For Seniors (HECM/Reverse Mortgages):

If you're 62 or older and looking to supplement retirement income or pay off an existing mortgage, a Home Equity Conversion Mortgage (HECM) might be right for you. I'll explain how reverse mortgages work, discuss alternatives, and help you make an informed decision.

California Market Expertise

California's real estate market is unique, with high home prices, competitive bidding, and specific state regulations. I understand these challenges and work with buyers throughout the state, from San Diego to San Francisco, from the Central Valley to the coastal communities.

I stay current on California-specific programs like CalHFA down payment assistance, first-time buyer programs, and local housing initiatives that can help you achieve homeownership or save money on your existing mortgage.