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Roy Calderon

NMLS #2557956

Hablo Español

Contact Me Anytime

rcalderon@zabemortgage.com
(559) 664-1930
(559) 965-3122
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What It's Like To Work With Me

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Available to contact 24/7

A Mortgage Loan Advisor You Can Trust

Wherever you are in your homebuying journey, I’m here to guide you every step of the way. At ZABE Mortgage, we provide you personalized support for home purchases, refinancing, and home equity solutions, along with access to a wide range of loan programs including FHA, VA, Conventional, USDA, Jumbo, and Non-QM options.

Rooted in the Central Valley. Servicing All of California.

Whether you’re a first-time buyer, a seasoned homeowner, or exploring new financial opportunities, our team is here to deliver a seamless lending experience designed around your goals.

Where We Work Most Often
  • Fresno County
  • Kern County
  • Kings County
  • Los Angeles County
  • Madera County
  • Merced County
  • Sacramento County
  • Stanislaus County
  • Tulare County
Madera Branch
Fresno Branch
Working With a ZABE Loan Officer

The Process

At ZABE Mortgage, we take a more thorough, thoughtful approach to homeownership, guiding our clients through education. See our process below.

1. Discovery Consultation

Our Discovery Consultation is the foundation of Homeownership by Design. Through Discovery, whether in-person or over the phone, we take the time to learn about your short/long term goals, your unique experience, and your current financial fingerprint. Are you ready to purchase, or do you need advice/game plan to be ready? Discovery allows us to develop or create a plan to achieve your purpose for homeownership.

Smart Tip! Avoid opening new credit accounts, buying a car, making late payments on existing credit accounts, or making any large purchases before escrow closes. Consult your Loan Advisor before making any financial decisions.

2. Verification Process

At this stage, we extensively evaluate and verify your credit history, employment, income, and closing funds source. This allows us to uncover pertinent information that may improve your loan options and identify and address potential issues affecting loan approval or that can cause delays during the escrow process. The Verification Process generally takes 1-4 business days or fewer, depending on the employer(s)' response time. As a result, you'll receive a fully underwritten credit loan approval, not merely a loan pre-approval.

3. Loan Strategy Consultation

During our Loan Strategy Consultation, we look over your loan options through personalized comparisons, presenting each option's pros and cons, and offer sound loan advice and strategic guidance in a clear, easy-to-understand manner. This empowers you to select the best loan option strategy that gives you the confidence and motivation to start your home search and gain a competitive edge in any market.

Smart Tip! Searching for a home can be overwhelming and take longer than expected. Be patient, proactive, prepared, and responsive at all times. The right opportunity will present itself.

4. Loan Process and Closing

Congratulations! Having your offer accepted by the seller, and thanks to our thorough preliminary efforts, we're now ready to get you into your new home. Your Loan Officer and Loan Coordinator will work hand-in-hand with you, providing a smooth and efficient experience. You'll be kept in the loop about what comes next, and we'll update you throughout every stage, all the way until you have the keys to your new home in hand.

Smart Tip! Through clear communication, teamwork, and timely responses from all involved, we can guarantee a seamless process and remain on track to close escrow as planned.

5. Continued Support & Guidance

At ZABE Mortgage, our dedication to you is unwavering. We believe that our relationship extends beyond the moment you receive your keys. Homeownership by Design enables you and your family to build wealth and achieve your goals, providing lifelong support, advice, and guidance. Becoming a homeowner is just the beginning; the key is to plan for the long term, addressing questions and concerns as they arise. With our consistent advice, you can ensure your family's future and adeptly navigate real estate and finances as life evolves. You can leverage our ongoing guidance to make the most of your existing real estate and maximize its potential.

Smart Tip! Always reach out to your Loan Advisor first if you’re considering buying a new home, acquiring an investment property, selling real estate, or looking to refinance a current property.

Loan Options

We offer a number of loan programs that may be right for you. Count on your ZABE Mortgage loan professional to help you select the best one.

Conventional

Conventional loans are available as fixed-rate or adjustable-rate mortgages. Find out if a Conventional loan is right for you.
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FHA

Get started with an FHA loan and finance your home with down payments as low as 3.5%.
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VA

If you're active military, veteran, or eligible surviving spouses, start your quote for a VA Home Loan today!
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USDA

The USDA Guaranteed Loan Program provides one of the most affordable loan programs to Americans today. See if you qualify for 100% financing and no money down.
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Jumbo Loans

In the market for a higher-priced luxury home? We can help you dream big with a Jumbo Home Loan.
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Down Payment Assistance

We can help you discover the available programs and provide you with the understanding of how down payment assistance programs may benefit you.
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Home Equity Loan (HELOAN)

A HELOAN, a second mortgage, uses home equity as collateral for a lump sum loan with fixed interest, requiring monthly payments.
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Home Equity Line of Credit (HELOC)

A HELOC, a second mortgage, offers a flexible credit line using home equity for expenses. It has draw and repayment phases with variable interest rates.
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Non-QM Loans

We offer a range of Non-Qualified Mortgage loan options to meet your needs if you may not fit into the traditional lending mold.
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New Construction Loans

New Construction Loans are short-term loans that can provide you the necessary funds to cover the construction costs of a new home.
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Buying a New Construction Home from a Builder

ZABE Mortgage offers our expert services to help you make informed decisions in the process of purchasing a new construction home.
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Find a Purchase Loan Advisor

Ready to Get Started?

Take the next step on your home loan journey with expert guidance, flexible options, and a team committed to helping you succeed.

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