Your financing resource
Why Rise Group Capital

More than your typical lending experience

Rise Group Capital, we are your most efficient and simplest way to achieve your financing goals. We take the time to educate you on options you may not have known were available and with our wide array of products, we can finance just about any scenario. Let one of our mortgage professionals show you how we are different from the rest.

Self-Employed Homebuyers

Yes, you qualify to purchase too

Our specialty at Rise Group Capital is the self-employed borrower. We have the capability to lend based on your true income, not what you show on your tax returns. Other lenders have turned you down because they cannot offer products geared towards self-employed borrowers, let us show you how you qualify.

Second Home & Refinance

Want to remodel or purchase your dream home?

Whether you need access to the equity in a current property or are purchasing additional property, most non- owner occupied properties require a larger down payment and more restrictive qualification guidelines than would a primary residence. If your particular scenario is “outside of the box”, speak with a Rise Group mortgage professional about which of our programs would best meet your financing needs.

Loan Programs

We give you options

Most lenders give you one option. At Rise Group Capital we have over 200 products to choose from that fit just about every possible scenario. Choosing among the different types of mortgage programs is easy when you have RGC to guide you. We review your budget, down payment, and credit and present the programs that fit your situation, then we let you choose your path.

Fixed-Rate Loan

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Lock in your rate and leave it.A fixed-rate loan keeps the interest rate fixed throughout the life of the loan. The principal and interest on your loan payment also never changes. If you plan to own your home for a long time, or if you just like the comfort of knowing that the principal and interest on your loan payment won’t change, a fixed-rate loan might be the way to go. 

Pros: You’ll know exactly how much interest you’ll pay over the life of the loan. Peace of mind. The rate won’t change, and neither will your principal and interest payment change each month. 

Cons: Fixed rates are typically higher than initial rates for adjustable-rate loans. If rates drop below what you’re paying on your loan, you won’t be able to take advantage of the lower rate unless you refinance.

FHA Loan

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An FHA loan is a low down payment option for first-time homebuyers. 

An FHA loan is a loan backed by the Federal Housing Administration (FHA) that allows for smaller down payments. FHA loans also feature less-stringent qualifying criteria such as flexible income and credit guidelines. 

The FHA does require borrower-paid mortgage insurance. The Mortgage Insurance Premium (MIP) can be financed into the loan amount. 

Pros: You can make a smaller down payment. You may be eligible to secure a down payment in the form of a community second mortgage. This second mortgage allows buyers to purchase a home with less of a down payment. Credit score and cash reserve requirements are relaxed. 

Cons: Mortgage insurance is required. Property standards must be met—which means it might not be a loan for a fixer-upper.


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Lower your initial monthly payment. 

An adjustable-rate mortgage (ARM) features an initial period with a fixed interest rate followed by an adjustable phase during which the rate can change. ARMs typically feature lower initial interest rates and lower monthly payments for the first few years of the loan, and then they adjust upward (or even down) based on market conditions and loan terms. 

One of the ARM products we offer is a 5/1 ARM (sometimes referred to as a fixed-period ARM), in which the interest rate is fixed for the first five years of the loan and then adjusts annually for the remainder of the loan term. 

Pros: It generally offers a lower initial monthly payment compared to a fixed-rate loan. It’s a possible way to save money if you plan on living in your home for only a few years or plan to refinance after a few years.You can manage higher interest rates and payments later as your income grows to meet those expenses. 

Cons: You’re subject to interest rate changes that are out of your control. It’s unpredictable. After the fixed-rate phase, you won’t know exactly what your payment will be from year to year.


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The Veterans Administration (VA) offers one of the most flexible loan programs for eligible* Veterans. No down payment financing is available. For eligible homebuyers with full entitlement, there are no loan limits. For homebuyers with less than full entitlement, conforming loan limits apply. 

Debt-to-income ratios are also flexible and include consideration for geographic location, family size, and residual income. 

Pros: A down payment is not required. There is no mortgage insurance requirement. Qualifying conditions are less stringent. No loan limits for eligible homebuyers with full entitlement. 

Cons: A VA funding fee is required. Veterans are responsible for closing costs and prepaid items. VA loans are for purchases of primary residences only.


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Got your eye on a higher-priced home? A jumbo (or non-conforming) loan might be an option if you’re considering a loan over the conforming loan limits. Loans under the conforming loan limits are known as conforming loans. Jumbo or non-conforming loans are over this limit. 

Conforming loan limits are established by the Federal Housing Finance Agency (FHFA) and change every year. Some areas may be considered “high-cost” if the median home value is higher than the conforming loan limit. In this case, the conforming loan limit may be higher in that area. (Ask your RG Professional for details.) 

Jumbo loan programs allow for some flexibility and include both fixed-rate and adjustable-rate plans. 

Pros: Jumbo loans offer affordable terms for higher-priced homes. They are ideal for high-income earners with good credit. Low down payment options are available. 

Cons: Interest rates are higher. Qualification standards may be tougher.


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Zero down for something out of town.The U.S. Department of Agriculture (USDA) offers a loan program that is attractive for first-time homebuyers of residences in designated rural areas. Options include loans with little or no down payment, lower interest rates, and closing costs that can be financed into the loan. Income limits (determined by location) are also a consideration, and the home must be owner-occupied. 

Don’t be confused by the term “rural.” Rural areas and home types vary. Many homes that qualify for this program are in traditional developments. Be sure to ask your RG Professional for details about designated rural areas. 

Pros: No down payment is required (though limitations apply). Interest rates are lower. Closing costs can be rolled into the loan. There are no lot size restrictions. 

Cons: USDA loans are limited to homes within designated rural areas. Mortgage insurance is required. Income restrictions apply. The home must be owner-occupied.

About us

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Our Story

The best of the best

Established in 2020, Rise Group Capital is a cumulative effort by some of the best in the financial industry. We have come together to fill a need in this community. Located in the heart of East County, Rise Group recognized the absence of financial resources and the lack of accessibility to those resources by the people who live in this county, and thus the Capital line of Rise Group was born.

Led by a team of mortgage experts with over 60 years of experience and partnered with Rise Group’s other five lines of business, Rise Group Capital has set a foundation to uplift and promote Real Estate ownership by creating access to financing that would otherwise not be available to the residents of Contra Costa county. Coupled with our Real Estate, Insurance, Construction, and Motors lines of business, we are a one-stop shop for securing the largest purchases an individual might make.

Our Vision

Your lending resource

At Rise Group Capital, our vision is to create an Educational, Transparent, Unique, and One-of-a-kind experience for our clients. To us, you are not just a borrower, you become part of our community and we want to provide the financial means to help you reach your ownership goals. The Rise Group team strives to be a resource in the Contra Costa area and beyond, so even if you decide we are not a fit for you right now, we want to give you the tools and information that will set you on the right path. 

Our Team

Meet the team

The Rise Group Capital team is attentive and knowledgeable. With over 100 years of combined mortgage experience, we know how to make your finance journey unlike any other you have or will encounter. We take the time to explain the process, the program guidelines and advise programs that will best fit your goals and individual scenario. What's Most important, we love the mortgage industry and our team members, and when you love what you do and who you do it with, it translates to an outstanding experience for our clients.

Jimmy Flores

Branch Manager

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Jennifer Hernandez

Processing Manager

Jennifer Hernandez

Alvaro Rosales

Loan Officer

Alvaro Rosales

Eric Figueroa

Loan Officer

Eric Figueroa

Jana Duran

Loan Officer

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Jose Menendez

Loan Officer

Jose Menendez

Monah Mayson

Loan Officer

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Pete Baldazo

Loan Officer

Pete Baldazo

Rahma Hasan

Loan Officer/Loan Processor

Rahma Hasan

Victor Martinez

Loan Officer

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Paul Rodriguez

Loan Analyst

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Join Our Team

Be a part of our elite team

Want to be a part of the best team to serve the Contra Costa County area?

Contact Us
Contact us

Get in touch with a Mortgage expert

We are here to help you through the home financing process. Give us a call or shoot us a message today and let us give you options.

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