(805) 388-2156 Camarillo, CA

  • Lee and Jackson Financial Services, Inc
    Lee and Jackson Financial Services, Inc

    Lee & Jackson Financial Services, Inc. for over 20 years, provides excellent real estate financing services.  We can help you find a loan and have you pre-qualified before we begin your search. 

  • Professional Realty
    Professional Realty

    Professional Realty provides the ability to list the sale of your home on the leading marketing sites to ensure multiple viewings and get the most from the sale of your home. We offer in-house escrow and financing services through Lee & Jackson Financial to ensure the closing or your sale or purchase is a smooth process from start to finish.

  • Business and Investment Opportunities
    Business and Investment Opportunities

 

Mortgages and Loans

Conventional Loans

     Conventional mortgages are ideal for borrowers with excellent credit and a substantial down payment.  Conventional mortgages are offered at terms of 10, 15, 20, 25, 30 and 40 years. The terms of 15 and 30 years often carry the lowest interest rates.   A conventional loan can be used for the purchase of a Primary Residence, Second Home or Investment Property.  A conventional loan is generally referring to a mortgage loan that follows the guidelines of government sponsored enterprises like Fannie Mae or Freddie Mac. Conventional loans may be either "conforming" and "non-conforming". Conforming loans follow the terms and conditions set by Fannie Mae and Freddie Mac. Non-conforming loans don't meet Fannie Mae or Freddie Mac guidelines.  Whether you're buying a home or want to refinance your mortgage, a Conventional Loan might be right for you.

     If you're unsure about your credit rating, please contact us so that we can help you review and sometimes improve your credit rating. 

 

Commercial Loans

Owners and investors of income-producing commercial property have special financing needs.  We are a brokerage firm that will shop different loan programs to find the best suited loan for your needs.

We offer streamlined, low-cost commercial mortgages for clients who are purchasing or refinancing:

  • Multi-family Commercial Real Estate (Apartments and Duplexes)
  • Retail Space Properties
  • Office Buildings and Office Complexes
  • Mixed-use Properties
  • Vacant Land

We provide clients with deep industry knowledge and local market expertise.

 

VA Loans

Like other fixed rate loans, the VA Fixed Rate Loan gives borrowers the option of financing their mortgage in 15, 20, 25, or 30 year terms with the interest rate remaining fixed for the life of the loan.

VA loans are guaranteed by the Department of Veterans Affairs and can be used to purchase a single family home, including a townhouse or condominium unit in a VA approved project, to build a home, and purchase and improve a home. Loans are assumable under certain conditions and do not have a prepayment penalty.

VA financing is designed to benefit veterans of the armed services, those currently in active duty or the reserves, and their spouses. In order to qualify for a VA loan veterans must be eligible as defined by the Department of Veterans Affairs. Veterans can qualify to put zero down on a loan up to $417,000. VA Fixed Rate Loans are full documentation loans. Before closing, a funding fee must be collected from the borrower and can be financed into the loan. Funding fee exemption is possible upon proper verification of disability.

 

FHA Loans & VHA 203K Loans

The FHA, or Federal Housing Administration, provides mortgage insurance on loans made by FHA-approved lenders. FHA insures these loans on single family and multi-family homes in the United States and its territories. It is the largest insurer of residential mortgages in the world, insuring tens of millions of properties since 1934 when it was created.

FHA 203k loans are designated for houses that are damaged or sorely in need of rehabilitation. The loan covers not only the cost of the property but also the cost of necessary home repairs. The down payment requirement is low, and eligibility criteria are loose. Homeowners whose homes need improvement can also refinance with these loans. A vast range of repairs, including room additions, bathroom remodeling, roofing, flooring and air conditioning systems can be funded with these loans.

Company Mission Statement

Lee and Jackson Financial Services, Inc. / Professional Realty is a full service Mortgage and Residential and Commercial Real Estate brokerage company. We offer various home loan programs and financial services, real estate services (buying and selling,) and escrow services. The company's mission is to provide trust, high knowledge and exceptional, first class service in all matters of home financing/re-financing and real estate, servicing the needs of our vast clientele base.

Established in 1988, we have over 25 years of experience in the Mortgage/Lending Industry and Real Estate Industry. Vast Experience, numerous Tools of the Trade and intelligent/keen Knowledge of the Real Estate Industry is important in representing our clients (both buyers and sellers.) We apply all of these strengths and attributes to help our clients obtain financing and various properties(s) of their choice especially in this unpredictable real estate market. We always put our customer's needs and concerns first and our goal is to make sure that we ultimately have happy and satisfied customers so that they may return to us for their future loan and real estate needs.

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