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Team Molina at Coast Home Loans
Sr Loan Officer

With over 38 years of hands-on experience,
What We Offer:
FHA, VA, and Conventional home loans
Jumbo and renovation financing
Investment property loans (single & multi-unit)
Bridge loans for seamless buying/selling
First-time buyer program... Show More
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Jose and his team helped through the process every step of the way.
Reply from Team Molina at Coast Home Loans
June 25th, 2025 01:35 AM
We are pleased to hear that Jose and his team were able to assist you throughout the process. Your satisfaction is important to us, and we value your feedback. If there are any additional questions or concerns we can address, please feel free...
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It would of been nice for underwriting to catch things first hand even the LO stated that was a big issue, it delayed the close and buyer was very upset.
Reply from Team Molina at Coast Home Loans
August 23rd, 2025 06:24 PM
Horacio, I appreciate your feedback and I’m sorry to hear about the frustrations you experienced, particularly with the underwriting process. Timely communication and smooth processes are essential, and it's clear that we missed the mark here....
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Everything
Jose and his team helped to navigate the rapids along the river, as well as the calm areas. There were a few issues with communication with my agent, but they were quickly resolved. I had full faith and trust in his team.
The process was overall very smooth and we didn’t hit any speed bumps until the end. I feel like communication could have been a lot better. It’s difficult to communicate and have a connection with a lot of people compared to 1 on 1.
Reply from Team Molina at Coast Home Loans
August 23rd, 2025 06:25 PM
Christopher, I appreciate you sharing your thoughts on the experience. It's great to hear that the process went smoothly for the most part. I understand how managing communication with multiple people can sometimes feel overwhelming. I'll take...
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We ran into a challenge situation during the last week of closing. But Jose and his team worked very hard and we managed to close the deal in a timely manner. Without his team, I am sure that we might have a difficult time to close the transition....
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The two way communication were great. Great responding on email and text message in a short period of time. All of my questions were answered and I have a great experience working with the Molina team for my home purchase.
Reply from Team Molina at Coast Home Loans
June 25th, 2025 01:35 AM
We appreciate your positive feedback, Mai. It's wonderful to hear that our communication met your expectations and that all your questions were promptly addressed. We are delighted that you had a great experience working with Team Molina for...
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I am a Realtor, and when I refer Buyers to Jose, I can rest assured that once they've talked with Jose, the purchase of their new home is a "done-deal".Jose is very knowledgeable in the lending arena, an expert. He conscientious and communicates...
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The communication was great all my questions were answered. Any time I would call with a question or if I was un sure of something I would get a call back right away it definitely made the process nice and easy
Jose, you were very informative and made it possible for something that I thought would never be possible.
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About
With over 38 years of hands-on experience,
What We Offer:
FHA, VA, and Conventional home loans
Jumbo and renovation financing
Investment property loans (single & multi-unit)
Bridge loans for seamless buying/selling
First-time buyer programs and coaching
Solutions for self-employed and non-traditional income
A client-first approach with clear, straightforward guidance
Fix & Flip financing expertise
Solutions for homeowners facing foreclosure
Options for clients behind on payments
Navigating probate real estate challenges
Tailored lending for distressed or hard-to-approve files
After Forcloure equity recovery assistance (if your home sold for more then your mortgage balance)
Products & Services
Mortgage Broker
FHA Home Loan
VA Home Loan
Conventional Home Loan
Home Renovation Loan
Down Payment Assistance
Mortgage Refinance
Home Purchasing Assistance
Mortgage Loan Application Assistance
Mortgage Loan Shopping Assistance
Mortgage Rate Shopping Assistance
Specialities
free consultations on income & credit analysis
non-qm / dscr, bank statement, hard money & commercial loans
reverse mortgages, heloc, 2nd mortgages
fha/va conventional, down payment assistance
construction, 203k rehab
bridge loans
fix and flip loans
for sale by owner assistance
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Positions
- The Regina Group LLC - Business Owner Aug 1st, 2022 - Current
Memberships
- bni
- 170
- 13 years
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1986
Time Zone
Pacific Standard Time (PST)
Licenses
- nmls #240269
- cadre#00947772
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+5
Awards
Achievements
- builder certification
Hobbies
- golfing, movies, fine dining and traveling to exotic locations with my family.
- family & traveling
- visiting other countries
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Disclaimer
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