At Partners Mortgage, home financing should be simple. Whether you’re buying, refinancing, or investing, our team delivers competitive rates, expert guidance, and a seamless process from start to finish. We’re here to help you move forward with confidence.
Whether you are buying your first home, refinancing, or investing, I will help you compare the right loan programs for your income, budget, and timeline. Expect competitive rates, flexible terms, and clear guidance from application to closing.
Hi, I’m Rusty Mendoza, Certified Mortgage Planner with Partners Mortgage, proudly serving clients in California, Nevada, New Mexico, Ohio, Oregon, Tennessee, Virginia, and Washington.
A home is so much more than just a place to live. It’s where you raise your family, build your memories, and create a sense of peace and belonging. As a father of four who has bought seven homes myself, I deeply understand the emotional journey that comes with buying a home—from the uncertainty of the unknown to the joy of finally holding the keys in your hand.
For over 22 years, I’ve also worked as a successful real estate investor, with experience in everything from fix and flips to long term holds and tax deferred exchanges. This has given me a full view of what it takes to make smart real estate decisions—whether you’re buying your first home or building a portfolio.
That’s why I treat every client like a long term relationship, not a one time transaction. As your mortgage loan officer, I’m here to be part of your financial planning team. I’ll help you feel confident and empowered, provide a clear road map for your real estate goals, and serve as a trusted advisor you can rely on at every step.
Licensed in: CA, NV, NM, OH, OR, TN, VA, WA
Compare purchase and refinance options with competitive rates and terms. Get straightforward guidance and a smooth process designed to help you close with confidence.
Every borrower has a different income, credit profile, and financial goal. We structure home loan options around your situation, whether you are buying, refinancing, investing, or self employed.
We offer conventional, FHA, VA, and refinance options with competitive interest rates and term structures designed to reduce monthly payments and support long term financial stability.
Licensed to lend across multiple states, we help buyers and investors secure financing wherever they purchase, with clear guidance on guidelines, timelines, and closing requirements.
Our streamlined mortgage process prioritizes complete documentation, proactive communication, and efficient underwriting to help qualified borrowers close quickly and confidently.
At Partners Mortgage, we go beyond the numbers to build lasting partnerships with our clients. Our team combines decades of industry experience with a modern, client-first approach to deliver smart, tailored home loan solutions.
We take the time to understand your goals and guide you through every step of the mortgage process with clarity, care, and confidence. Whether you’re a first-time homebuyer, a seasoned investor, or somewhere in between, we’re here to be your trusted partner in home financing.
Get straightforward answers to common home loan and refinance questions, including credit requirements, down payments, timelines, and what to expect during the approval process.
We specialize in a wide range of mortgage solutions, including conventional loans, FHA, VA, jumbo loans, and more. Whether you are a first-time homebuyer, self-employed, or looking to refinance, we have tailored options to fit your needs.
Getting started is easy. You can reach out to us for a quick strategy session where we’ll discuss your goals and gather some initial details. From there, we guide you through pre-approval, document collection, and the entire loan process step by step.
Borrowers with stable W2 income, a 620+ credit score, manageable debt, and documented assets are typically strong candidates for conventional financing with competitive rates and flexible terms.
Many qualified buyers purchase with 3% to 5% down on conventional loans or 3.5% down on FHA loans, depending on credit profile and overall financial strength.
FHA loans are often a good fit for first time buyers or borrowers with moderate credit who want lower down payment options and more flexible qualification guidelines.
Lenders typically average the last two years of net income shown on tax returns. Consistent earnings, organized financials, and stable business history strengthen approval.
Yes. Self employed and 1099 borrowers can qualify with proper documentation, steady income history, and strong credit. Clean records help ensure smoother underwriting.
Strong investor files usually include solid credit, adequate reserves, rental income support, and appropriate down payment, typically 15% to 25% depending on loan structure.
Refinancing may make sense when you can lower your interest rate, reduce your monthly payment, shorten your loan term, or improve overall financial positioning.
The first step is a mortgage pre approval. This includes reviewing income, credit, and assets to determine eligibility and provide a clear purchase or refinance strategy.
