310.407.9261 joel@jmartincox.com
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WE WORK FOR YOU.

NOT THE BANK.

KPL Select Mortgage, Inc. is an independent, full service, licensed mortgage company with extensive experience in residential and commercial purchases, financing, and refinancing throughout the greater L.A. area.

Since 1992 we have maintained the simple mission to provide the best personalized and professional residential mortgage brokerage services to individual clients. We like to remind our clients that we work for them, not the banks.

KPL Select Mortgage, Inc. is focused on you, the client, and we understand that each loan is uniquely individual to you. Getting your loan funded and closed is only the beginning of our relationship, as we take tremendous pride in creating a successful, long term relationship with you. We genuinely enjoy making your dream of home ownership come true.

How can we help you today?

I want to

BUY A NEW HOME

I want to

REFINANCE MY HOME

PROUD TO SERVE THOSE WHO SERVE

KPL Select Mortgage, Inc. understands that each client’s loan is uniquely individual. As an approved broker with numbers of lending institutions, we can offer a much wider range of residential loan programs, beyond what major banking instritutions can. We provide you with choices.

This alone makes us the best choice for your home mortgage and loan acquisition, but then we also tailor your loan to meet your individual needs. We are committed to you, your dreams and to creating a successful & postive relationship.

Browse through the different programs and loan types or give us a call so we may provide you with detailed information on a loan customized to your needs.

PURCHASE

Purchasing your first home could be one of the biggest investments you’ll make in your lifetime and we understand that each client’s loan is uniquely individual to you and your circumstances. As an approved correspondent with scores of major wholesale lending institutions, we can offer you a much wider range of residential loan programs, beyond what major banking institutions can. We provide you choices.

When considering buying your next home, we are committed to you, your dreams and to creating a successful and positive home purchase experience. Throughout our website we have provided you with some general tools to help you start your home purchasing process, but when you’re ready and even if you think you want to begin considering buying a home, call us and we will help you develop a prepartion plan, get you prequalified and pre-approved.

At KPL Select Mortgage, Inc., we are dedicated to finding the loan that fits your individual needs and making your mortgage experience seamless. We maintain our commitment to excellence by providing you with consistent, quality service – every time.

FHA LOANS

An FHA loan is a loan insured against default by the FHA. In other words, the FHA guarantees that a lender won’t have to write off a loan if the borrower defaults – the FHA (Federal Housing Administration) will pay. Because of this guarantee, lenders are willing to make mortgage loans with lower down payments required and more flexible credit and qualification guidelines.

FHA LOANS OFFERED:

☐ FIXED RATE LOANS (Normally for a 30 year duration)
☐ ADJUSTABLE RATE LOANS
☐ ADJUSTABLE ARM
☐ PURCHASE | REHABILITATION LOANS (Includes mortgage and cost of repairs combined)
☐ FHA
☐ FHA 203 IL
☐ FHA PLATINUM
☐ FHA STUDENT

REFINANCE

Refinancing your existing interest rate could provide you hundreds of dollars each month. Have you checked your existing home loan rate lately? Most likely, rates have dropped since you last financed your home. If this is the case, you may want to consider refinancing.

BENEFITS TO REFINANCING INCLUDE:
Paying off a balloon payment
Converting an adjustable rate loan to a fixed rate loan
Extract cash equity in your home (cash out)
Lower your monthly payments

Cashing out could also help you with: home improvements, an education fund, or consolidating debt.
**Another way to convert equity in your home to cash is a “home equity” loan. A “home equity” loan is an alternative to refinancing if your home loan has a very low rate compared to current interest rates or if you have a prepayment penalty on your loan.

For more details on refinancing and home equity loans, give us a call, we are here to help.

VA LOANS

A mortgage loan made available to veterans of the United States Armed Forces to facilitate the purchase of a home. A VA loan is issued by a traditional lender and backed, in part, by the US Department of Veterans Affairs. The backing provided by the VA allows veterans who would not normally qualify for a mortgage loan due to credit or other issues to purchase a home.

A VA loan differs somewhat from a standard mortgage. Even though it is
provided through a private lender, the federal government guarantees a portion of the principal. Borrowers who are eligible for a VA loan are permitted to have a small, or sometimes non-existent, down payment and still get a mortgage. Be sure to ask your lender what its down payment requirements are when requesting a VA loan.

Some of the requirements for a VA loan are standard, as with any loan, and
you’ll also need a certificate of eligibility to show the lender. You can get this certificate through the Department of Veteran Affairs. To see a full list of eligibility requirements, visit the Department of Veterans Affairs website at www.homeloans.va.gov. This site can also answers additional and specific questions about the program.

OUR GOAL IS YOUR HAPPINESS

Hello! I’m Joel.

Loan Officer.

Fly fisherman.

Husband.

Father.

Not necessarily in that order.

I’m a California native, born in Salinas and raised in the San Francisco Bay Area. I graduated with honors from Loyola University New Orleans with a degree in English. My family and I have made Southern California our home since 2005. I relish the satisfaction I get from helping people finance their home.  I’d love the opportunity to help you, too. When I am not working, you can find me fly fishing with my sons, on a date with my wife, playing softball, cycling, or if I am very, very lucky, enjoying an afternoon nap.

How can I serve you?

THERE IS NO PLACE LIKE HOME

THERE IS NO PLACE LIKE HOME