Juan@HLCTeam.com
909-920-5260
Juan Gamboa
Buying a home or exploring a refinance? Connect with Juan to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Juan
My goal is to get to know you and find the right loan for your needs. From our first conversation to closing day and beyond, you can expect a clearer, simpler, and more connected financing experience.
You deserve a mortgage professional who has your best interests at heart. That's exactly what you'll get here.
What clients say about Juan
Juan and his team were kind, helpful and kept us in the loop throughout the whole process! They were great to work with and I would recommend them to anyone looking to refinance!
Juan Gamboa is the first lender I’ve worked with who has kept me accurately informed in all phases of the process. Through this whole process Juan made himself available via phone or text for any questions I would have. I would definitely use Juan again.
Juan Gamboa helped me and my family refinance a few times over the last 7 years. Juan is a true professional. He constantly communicated with us throughout the entire process and always returned our calls and/or emails. Juan has always kept our best interest at heart and we trust him entirely.He is knowledgeable, experienced and a true pleasure to work with . Even after all of these years, Juan has kept in touch with and has built a strong friendship with our family. Thank you Juan for not treating us like just another transaction. We will always refer you to our friends and family!
Juan Gamboa help my family refinance our home. He was always readily available, via phone or email, timely with responses, and very trustworthy. He kept us updated throughout all stages and answered all of our questions, big and small. Thanks for all your help Juan!
Juan is definitely the best lender out there; very knowledgeable and experienced. He went above and beyond to find us the best rate for us when purchasing our home. He made our dream come true! I strongly refer him to all my family and friends!
Juan was extremely helpful in helping me get through the process of purchasing my home. He treated me like a friend, as if I was his only customer. He got back to me quickly and kept me in the loop through the whole process. Kept me positive and made sure I provided information before it was needed just to help the process get through quicker. I went through Juan a 2nd time to re-finance my home and he was even more helpful and I was very comfortable working with Juan. He made it very easy for me and not so scary. I would recommend Juan to any of my friends or family.
Juan was very hands on with my whole buying a house process. Very attentive, helpful and always answered any questions I had from beginning to end. I would recommend him to anyone. He recently also helped me in refinancing and I got the same service.
We have used Juan on several occasions. Juan was professional and was helpful in providing different loan options that would work for us. He kept us informed along the way and made the transaction as smooth as possible. I would recommend his services to others.
we were interested in information on refinancing our home and ran across Mr Gamboa through a website. since day one that we spoke with him over the phone he was very professional and knowledgeable. we never had a problem with our paperwork. he was always on top of things. we would recommend him to anybody and we already have to our close family and friends. He is someone you can trust. As soon as were ready to sell we sure plan on giving him a call.
Juan Gamboa,I had a very pleasant experience working with Juan. I have worked with him twice now once with the purchase of my home and then with refinancing; both times, he provided excellent service. He made a complicated process simple and easy to understand. Being new to this process, I was anxious about the experience, however he was patient and offered advice I could trust. Even when I encountered challenges with my condominium association's he guided me towards a satisfactory resolution. I will certainly reach-out to him for all my future needs of refinancing or purchasing a property.Thank you
Always checks on my loan terms, recommends refinance when advantageous. Juan has redinanced for me several times. He has recommmended a 20 year loan over the 30 year I initially had. He has reviewed my loan periodically as interest rates have lowered. He's honest and a man of integrity.
Let’s connect
Contact Juan
Share a little about your plans and how to reach you.
Office locations
Suites 3 & 4
Upland, CA 91786
Suite 700
Houston, TX 77027
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Juan today.
