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Jose Martinez Headshot

Jose Martinez (Hablo español)

Mortgage Loan Originator
NMLS#: 2089312

Phone: (831) 205-0768
Jose@conceptmortgage.com

Hello, welcome to my page.

I understand what it means to get nothing but the best service. I have been serving customers with financial decisions for almost 20 years. I’ve been on the other side of the table many times, I know what it’s like. Putting your trust with someone isn’t the easiest thing to do but I have made it my goal to make sure you are aware and educated about all your decisions while always keeping that personal touch with a smile.

There’s nothing more rewarding than helping you with all your housing financial needs and hearing “wow, that was easy” or “I couldn’t do it without you”. That’s what it’s all about! I think we need to go back to service and the time is now! It’s truly a lost art these days. Looking forward to helping you in your journey and making a difference, one client at a time. Soon after, I’ll be helping your friends, family and neighbors. I guarantee it! Happy hunting 😊

Our Loan Process

1: Pre-Approval

A loan pre-approval sets you up for a smooth home buying experience.

2: Shop

Start working with a real estate agent and viewing homes.

3: Loan Application

A few documents are needed to get a loan file through underwriting.

4: Loan Processing

Assemble all the necessary paperwork and details for the underwriter.

5: Underwriting

They closely evaluate all the documentation in the loan package.

6: Ste. Closing

Documents are drawn and sent to the title company for closing.

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