Elias Delgado

Elias Delgado

Branch Manager
NMLS ID 929189

About

I have a passion for lending and I started my career by working for a HUD Certified non-profit organization that helped people modify their loans for free. During this time my focus shifted and my vision became more clear and I wanted to assist others with their dream of owning a home. My strengths soon became customizing mortgage solutions and working with first-time buyers to find options for low down payments. I have an in-depth knowledge of FHA, VA, Conventional as well as Jumbo loans.

I have established relationships with local and statewide builders, and am dedicated to creating a positive experience for builders and their clients.

I was raised in the Central Valley and am now proudly raising my son with my lovely wife Yvonne here.

Contact Info

Phone
Cell Phone 559-287-4760
Fax 559-775-5213

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Let me guide you through financing

At Platinum, is as easy as 1-2-3-4!
GET PREAPPROVED
Getting a pre-approval letter is the first step towards getting into a new home. You will need to answer some questions about your income, asset you may have and a credit check to see how much house you can afford. You will then receive a letter that contains the amount you are approved for based on the income, assets and credit information you provided.
MAKE AN OFFER
After you found the right home, it's time to make an offer on the house. This involves submitting a letter that includes information about yourself, your offer price and anything else you like to include in the offer. Most offers include an earnest money deposit, which contains 1%-2% of the purchase price of the home.
HOME APPRAISAL
An appraisal is always required to buy a home with a mortgage. It helps protect you as a borrower, by making sure that the current value of the property is not lower than what you are trying to buy it for.
Property
Last step is closing on your home. You will receive a closing disclosure, that gives you information about what you need to pay and a summary of your loan details. At the closing meeting, you will sign a settlement statement, mortgage note and mortgage or deed of trust to secure the mortgage note. After which you are finally the owner of your new home.
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