Rubin Quintero
NMLS #860209
Serving homebuyers and homeowners since 2014, I specialize in Conventional, Multi-Family Investors, Non QM, FHA, and VA financing— including first-time homebuyer programs, FHA Streamlines, and VA IRRRL refinances.
As a 5-star Google-rated mortgage professional, my commitment is simple: taking the time to guide you through every stage of the process with complete clarity. I break down complex loan options step-by-step so you fully understand your benefits and feel confident in your mortgage decision.
How Long Does It Take to Sell a Home? A Practical Timeline
Nov 04, 2026
Selling a home takes preparation, market time, and closing. Learn the timeline factors that can speed up or slow down
VA Non-Allowable Fees: What Veterans Should Know
Oct 28, 2026
Learn which VA loan fees veterans cannot be charged, how the 1% rule works, and where closing cost savings can add up.
How Much Down Payment Do You Really Need?
Oct 21, 2026
Learn how much or how little of a down payment you need to buy a home and what loan options you should consider to reach your goal.
San Clemente, CA 92672
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Whether you're buying your first home, refinancing, or upgrading, I’m here to make the mortgage process smooth and stress-free. Let’s take the next step together — fast approvals, personalized service, and trusted guidance every step of the way.
