Welcome to JCRMG INC! Joe Frank Cerros, Mortgage Loan Originator and Realtor, provides educational mortgage and real estate guidance to help you understand today’s loan options. This video covers VA, FHA, DSCR, Conventional, and other mortgage programs, explaining key factors lenders consider during evaluation. Whether you're buying your first home, refinancing, or learning investment property basics, this video offers clear, educational insights to help you make informed decisions.
For general mortgage information, call 888-600-7577. Our team provides educational guidance and answers general questions.
JCRMG INC, Real Estate Mortgage Broker NMLS2418994, DRE02173635 Joe Frank Cerros, MLO, NMLS240041, DRE01356767 Equal Housing Opportunity. Licensed by the California Department of Real Estate. California only.
For educational purposes only. Not a commitment to lend. All loans subject to credit review, eligibility, and program guidelines. Some content created with AI.
JCRMG INC
Listing Agent: Alonso Curiel | Call 805-714-5778
MOVE-IN READY & COMPLETELY RENOVATED!
Welcome to 4406 Cedar St, Guadalupe! This beautifully renovated 3-bedroom, 2-bathroom home combines the charm of a 1961 residence with the extensive upgrades and modern conveniences of a 2025 renovation.
The home underwent a comprehensive renovation in 2025, with improvements made to everything above the foundation, including the interior systems, roof, and exterior. Major upgrades include a complete electrical update with a new subpanel, new plumbing throughout (excluding the sewer line), a top-of-the-line tankless water heater, new interior gas lines, and a new furnace that was relocated from an interior closet to the attic.
Additional improvements include new insulation throughout the home and garage. The entire home and garage feature new drywall, windows, laminate flooring, outlets, switches, lighting, hardwired smoke and carbon monoxide detectors.
The kitchen showcases beautiful custom white shaker cabinetry, quartz countertops, stainless steel appliances, and a custom-built desk area for children to complete homework or other activities. The interior of the home was freshly painted in August 2026.
The upgrades continue outside with a new roof and plywood sheathing, new fascia boards, fresh stucco, and a new garage door with an automatic opener. The garage has also been insulated, and new trusses have been installed.
Thoughtful updates throughout the property provide a fresh, modern feel while offering peace of mind for the next owner. This move-in-ready home is a rare opportunity to enjoy the character of an established neighborhood with the benefits of nearly all-new construction.
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JCRMG INC
Open House Pasadena CA Sept. 24, Thursday from 11am to 4pm
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JCRMG INC
@jcrmginc
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Welcome to my JCRMG INC. Ask Joe Community - please send me your California mortgage questions. Thank you
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JCRMG INC
JCRMG INC uploaded a new video - Can You Buy a Home with ZERO Down Payment?
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JCRMG INC
❓ Myth or Fact: Do you really need a 20% down payment to have a strong mortgage loan offer?
1 year ago | [YT] | 5
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JCRMG INC
❓ Myth or Fact: Do you really need a 20% down payment to have a strong mortgage loan offer?
1 year ago | [YT] | 5
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JCRMG INC
Check out our new Video: Don't Pick the Wrong Loan! Watch This First
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JCRMG INC
New Upload: 👉 Watch now to learn what lenders look for and how to boost your chances of getting approved!
Wondering why so many borrowers get rejected for a California mortgage? 🏡 In this video, Joe Frank Cerros – Mortgage Loan Originator at JCRMG INC – reveals the #1 factor that can stop your home loan approval: your Debt-to-Income Ratio (DTI).
You’ll learn:
✔️ What DTI is and how lenders calculate it
✔️ Why it matters when applying for a California home loan
✔️ Tips to improve your chances of getting approved
Whether you’re a first-time homebuyer, refinancing, or exploring FHA, VA, Jumbo, or CalHFA loans, this breakdown will help you feel confident about your next steps.
Check out our other videos at youtube.com/playlist?list=PLZ...
#askjoe #DebtToIncome #JCRMGINC #PreQualification #joefrankcerros #JCRMG #realestatefinancing #CaliforniaMortgage #HomeLoanTips
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