Your Local Mortgage Lender
Located in California
Personalized Mortgage Experience
Martin Conde offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in California.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
Waiting Until Spring to Buy Could Cost You More (Here Is Why)
Waiting Until Spring to Buy Could Cost You
A lot of buyers assume spring is the best time to buy because more homes hit the market.
That is true, but it is only half the story.
Spring is also when more buyers show up. More buyers usually means more competition, more bidding wars, and less leverage for you.
The real difference is leverage, not just inventory
In the slower season, homes often sit longer and negotiations can feel more reasonable. NAR’s seasonal perspective shows winter is typically the slowest period and days on market tend to be higher than peak season.
Redfin describes winter as an off season that often brings less competition and more negotiating power.
Zillow says spring and early summer tend to have the most competition, while winter often brings less competition and more room for negotiation.
Why waiting can backfire
Here is the part many buyers miss: waiting is not neutral.
If the market gets busier in spring, leverage can shift away from buyers fast. And in many years, sellers tend to capture stronger premiums in spring. ATTOM’s research on the best days to sell points to spring as a period when seller premiums are often higher.
That does not mean prices will always jump in every city, but it does support the idea that spring can be more seller friendly.
What you can negotiate before the rush
In a quieter market, buyers often have a better shot at winning terms, not just price. For example:
Closing cost credits
Repairs or repair credits after inspection
A rate buydown paid by the seller (when allowed and structured correctly)
Flexible closing timelines
Contingencies that get more respect
Winter and off season guidance from Redfin specifically calls out negotiation power on price, closing costs, and other terms.
A smart strategy if you are financially ready
If you are financially ready, a practical approach is:
Buy the home before the rush if it fits your budget and timeline
Negotiate the strongest total deal you can (price plus credits plus terms)
If rates improve later, explore refinancing when it actually makes sense
This keeps your focus on what matters most: the home, the payment, and the long term plan.
Quick readiness checklist
Buying before spring is only smart if you are ready. Here is a simple check:
You know your comfortable monthly payment range
You have your down payment and closing funds plan
You can move within your timeline if the right home appears
You are ready to negotiate terms, not just chase list price
Bottom line
Spring can bring more options, but it usually brings more competition too.
If you are ready, winter and early spring can be a strong window to negotiate better terms and avoid the bidding war environment that shows up when everyone else returns.
Sources:
National Association of Realtors: https://www.nar.realtor/
Redfin: https://www.redfin.com/
Zillow: https://www.zillow.com/
ATTOM: https://www.attomdata.com/
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