About Jhansi Bobba
Helping homebuyers and real estate investors throughout California secure financing with confidence, without the stress. Hi, I'm Jhansi Bobba, a mortgage loan officer based in California's Bay Area, helping clients navigate the home financing process with clarity, confidence, and personalized guidance. I specialize in working with investors and buyers across California, particularly those with unique financial situations that don't fit traditional lending guidelines. My focus is on Non-QM loan solutions and helping clients with complex deals, unconventional income sources, and financing scenarios that require creative problem-solving. Whether you're: - Purchasing an investment property - Buying a home with non-traditional income - Exploring specialized financing options - Navigating a more complex lending situation<o:p></o:p> I'll take the time to explain your options and help you find the loan that best aligns with your goals, not just the easiest solution available. What sets me apart: - A commitment to presenting multiple financing options so you can make informed decisions - Honest, transparent guidance throughout the process - A client-first approach focused on your long-term success - A background in real estate sales with 18 years of industry experience Do you need 20% down to buy a home? No. Many buyers qualify with much lower down payment options depending on the loan program. What credit score do you need? Every situation is different, and there are often financing solutions available even when credit challenges exist. How much home can you afford? Your purchasing power depends on your income, debt, and financial goals. I'll help you understand your options clearly. Clients appreciate my honesty, accessibility, and dedication to keeping their best interests at the center of every recommendation. I'm always available to answer questions and help guide buyers through the process. When I'm not helping clients, I live and work on a regenerative farm in the East Bay, focusing on sustainable agriculture and environmental stewardship. My goal is to help create a lower-carbon future through projects that maximize carbon sequestration and promote sustainable living. I believe mortgage lending is about relationships, trust, and helping people make informed financial decisions. If you're considering a purchase, investment property, or exploring financing options, I'd love to connect.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity, LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity, LLC. Guaranteed Rate Affinity, LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 3340 Walnut Ave, Ste 110 Fremont CA, 94538
