5-Star Google rating for Mortgage Broker
5-Star Google rating for Mortgage Broker
(619) 368-7239 The Mortgage Broker you need to call.
Looking to purchase a home? We have many loan products that depending on your needs, will have the right one to fit within the budget.

We have many loan options to choose from:

I have been in business full time since 1992 as a Real Estate and Mortgage Broker, specializing in residential mortgage lending. I entered this business with a simple goal: to help buyers achieve the dream of homeownership and build long-term wealth through real estate—one property at a time. As a top-performing mortgage professional, I have the experience, insight, and resources to handle all your real estate loan needs, offering competitive mortgage and refinance options tailored to your goals.
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We love our customers, so feel free to reach out to schedule an appointment.
Mon | 08:00 am – 07:00 pm | |
Tue | 08:00 am – 07:00 pm | |
Wed | 08:00 am – 07:00 pm | |
Thu | 08:00 am – 07:00 pm | |
Fri | 08:00 am – 07:00 pm | |
Sat | 08:00 am – 05:00 pm | |
Sun | By Appointment |
Call Me Today for all your Mortgage and Real Estate Needs
2127 Arnold Way #1166, Alpine CA 91901
Office 619-368-7239 Email: sjventi@gmail.com
When qualifying for a mortgage, lenders evaluate your debt-to-income (DTI) ratio, which compares your monthly debt obligations to your gross monthly income (before taxes).
Most lenders follow a 43/49 guideline, meaning:
Some loan programs, including VA and FHA loans, may allow higher debt ratios on a case-by-case basis, depending on factors such as credit score, cash reserves, and overall financial strength.
If you’re unsure how your current debts affect your buying power, I’m happy to review your numbers and explain your options.






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