YOUR MORTGAGE is a click away
619.279.3897our core values
Growth Mindset
Transparent
Above and Beyond
Process Driven
Compassionate
Humble
Integrity
Loyal
Nimble
Cesar Holguin is a committed Mortgage Loan Officer at the Chula Vista Branch, with four years of experience in helping families achieve their homeownership dreams. His journey into the mortgage industry began with the team that assisted him in his personal home purchases, inspiring him to help others navigate the complexities of buying a home in one of the most expensive cities in the U.S. Cesar takes pride in his professional accomplishments, including guiding clients from readiness to purchase to those needing years of preparation. His goal is to assist five families monthly, aiming for $30 million in annual loans, and ensuring timely closings and lifelong client relationships. Driven by a strong work ethic, Cesar treats his clients with the same care he extends to his family. He is dedicated to providing the best options, helping clients purchase affordable homes, and clearly explaining the process every step of the way. The most fulfilling aspect of his job is seeing renters become homeowners and start building generational wealth. To continuously improve, Cesar attends coaching sessions and helps his business partners grow, always remembering the important lesson of treating clients like family and friends.
Here's how we do things
Apply Online
Pre-Approved
Search
to Processing
Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.
Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.
Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.
This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.
After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.
Here's how we do things
Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.
Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.
Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.
This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.
After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.
