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Who We Are

Jay Patel is a conscientious Certified Mortgage Consultant and seasoned Mortgage Broker in California whose expertise lies in originating Residential Home Mortgages. He has helped thousands of homeowners secure the simplest to the most complicated loans over his 30-year long career. Jay is passionate about using his industry savvy to empower the growth of families as they can make sound decisions when it comes to their finances. No matter what your mortgage needs may be, he is truly committed to employing the cumulative experience of his team at 0Pointloan to exceed your expectations. He offers an ethical and methodical consultative and financial planning approach to all of his clients while prioritizing their families and livelihoods.

Jay prides himself on providing diligent, professional, and timely services with his caring and friendly nature further endearing him to his clients. His ability to simplify the whole financing/re-financing process is driven by his honesty and in-depth knowledge of creative problem solving, solid work ethic, and constant communication making him a complete best lender package. Jay can put loans together and get them funded on time with some amazing rates that complement individual goals. Always looking for new ideas to redefine his customer service, his willingness to give first makes all the difference in inspiring the trust and confidence of his clientele.

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Competitive, transparent, and prices without any hidden cost

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