Trust BO, your Real
Estate Professionals
Whether you are looking to purchase a home, or you want to refinance your mortgage, we are here to help!
LOANS
If you are interested in buying, you will be happy to know we work with the following loans:
Not all home loans are the same. BO Home Loans can give you the best advice before moving forward. Together, we will select the most suitable option for your financial situation and possibly keep more money in your pocket. Plus, you’ll know what to expect, in terms of guidelines, before you apply.
CONVENTIONAL
Not part of any specific government program.
NON-QM
Itin loan programs & bank statement loans for self employed.
DSCR LOANS
Enable real estate investors to qualify based on property cash flow rather than income.
ADJUSTABLE RATE
The interest rate on an ARM will change periodically.
FHA LOAN
Government-backed mortgage loans with looser requirements. Great for first-time buyers.
VA LOANS
Mortgage benefits offered exclusively to eligible veterans and their spouses.
You no longer need to have 20% down payment to buy a house?
THREE PERCENT DOWN
If you have 3% of the overall value of the property you are trying to acquire, we can help.
FIVE PERCENT DOWN
If you have 5% of the overall value of the property you are trying to acquire, we can help.
FREE TOOLS: Mortgage and Loan Calculators
Refinance Calculator
We have a free tool you can benefit from: Our refinancing calculator. See how would your mortgage change, based on loan amount, income, and other values
Mortgage calculator
Use our mortgage calculator and find out your monthly payments, based on the value of your future home, the loan, and other values.
Meet your Real Estate professional
Maria Ballon
Loan Officer | Mortgage Broker | OwnerMaria has an impressive track record of delivering
exceptional results for every client they serve. She understand every
facet of the real estate business and extend that experience and market
knowledge to her clients, walking them through each stage of the
process of buying or refinancing a home. Maria’s approach to
finding the right loans, coupled with her extensive network of resources, has
enabled her to rise to the top 10% of San Fernando Valley Realtors in a
short period of time.
Recent reviews from our clients
We have worked with several Realtors over past 20 years or so and Maria is one of very highly trained and knowledgeable professionals. She helped us list our condo unit and got it sold in matter of weeks, at a very good value. She pays attention to her client's needs and does accordingly, without being overly aggressive.
Maria was a wonderful agent to deal with in my transaction. Very friendly personality and very professional. She was very understanding when any unexpected circumstances came up and pleasantly talked us through the entire transaction.
I would definitely be very happy to work with her again in the future if the opportunity comes up.
Exceptional guidance during a very challenging time (with Covid-related restrictions)! Maria made this potentially stressful process as smooth as possible and helped me identify & lock the perfect new home for me at a great price. Hands down would recommend to anyone looking for a new home in the competitive LA market!
Maria communicated well and was very professional. She responded quickly to our questions and concerns. When she didn't pick up immediately, she always called back. Her courteous demeanor was carried through the entire transaction. That goes goes a long way while you're navigating stressful waters.
These realtors were perfect fit for us! They made great recommendations to make our condo look great and went the extra mile to make it look perfect! They found a wonderful buyer and were on top of every issue to make the sale go smoothly and without delay even in this pandemic state! We are so appreciative of finding Maria and Jose and highly highly recommend them. They are the best!
Maria was the best agent to work with. She was thorough, knowledgeable, and extremely patient. She is wise beyond her years. I highly recommend anyone trying to purchase or sell (like I did) to use Maria. In fact, I bought the unit with Maria as my agent and sold it with her as my agent as well. She set the record for the building in short order. I wish I could give her and her husband, Jose, more than 5 stars!
Thank you, Maria, for helping us find the perfect home for our family. We knew we were in great hands the whole time & are forever grateful for all your hard work and guidance as first-time homebuyers!
Congratulations Jose and Maria... way to go! Best agents... These power real estate couple handled my 3 kids new homes, very experienced and professional. Thank you Jose and Maria. As a retired broker, proud to recommend you.
She is a true professional, 100% dedicated to help me and my husband find what we wanted. We are so gratefull for her patience and for helping us until the end.
We feel so fortunate to have worked with Maria as we purchased our first home last year. She is so knowledgeable & professional, but also is a kind & calming force during the nerve-wrecking process of buying your first home. Any random worry or question we had- we reached out to her and she got back to us within minutes, sometimes seconds! She made the process flow as smoothly as possible for us. We always knew we were in good hands, as she cared for us like we were family. In fact, my siblings followed in our footsteps and used her as their realtor to buy their first home; you can say she’s become a family gem!
One of the best decisions we’ve ever made was to choose her as our Realtor. Thank you, Maria!
The short story is I had a choice of multiple brokers to help me sell my condo on the west side. Picked Maria...no hard sell on her part, just quiet confidence. Within 33 days of her first open house, escrow had closed and purchase price was ~7% above my initial asking. Long story starts with her pleasant demeanor and the hard work and time she puts into selling a home.....3 open houses within 4 days! Lots of back and forth with other brokers who obviously also like her style. Did I mention she helped me with final preparations for turning over the condo?... She was there 24/7.... Bottom line, you won't be disappointed if you have her represent you as a seller or a buyer.
Maria worked tirelessly to get my condo sold. She was patient and talked me thru everything answered all my questions. When our first buyer fell out of Escrow Maria stayed poised and we eventually found the right buyer for the property. Throughout the process Maria worked on behalf handling complicated situations and scenarios. She made me feel confident each step of the way, I was truly impressed by her hard work! I would absolutely recommend working with Maria if you are trying to sell your property. She understands the ins and outs of the complicated California real estate market. Thanks Maria for your hard work on getting my condo closed!
Despite being first-time homebuyers in a historically turbulent circumstances, Maria patiently navigated us through a nearly 1.5-year homebuying process. She used her experience to confidently advocate for us, all the while taking the time to carefully guide us through all the ups and downs. Eventually, she was able to lead us to securing a purchase price well below asking price and that seemed an incredible bargain for us-- a blessing that we could have never expected if it weren't for Maria's tireless work. Above all else, however, Maria is a kind, thoughtful person who is someone you want on your team, especially during a stressful process. We could not recommend her enough.
“Buying or selling a home could be a very stressful event and there are so many factors to consider, finding an agent who is really on your side and you can trust was key, we were so glad we found Maria, she is very patient and professional, best of all she is always proactively thinking what you might need help with as next step during the process. We feel she is the best at what she do and she does it beautifully which made our life so much easier. We are very happy with our purchase and will definitely work with her again if given the opportunity”
Maria helped us sell our two condos and both were sold with multiple offers. Her knowledge of the areas, attention to detail, and quick response helped us tremendously as out-of-town sellers. Maria was professional and did a wonderful job staging our first condo.
We didn’t hesitate to call Maria again when it came time to sell our second condo. With her excellent premarket preparation, our second condo was under contract after being on the market for less than a week. Thank you Maria for a smooth and stress-free sale!
We just sold a condo in Westwood with Maria's help. She is punctual, professional, and got top dollar for our unit. We highly recommend her. Thank you Maria!
Still have questions?
We have Answers
There are many different loans available and we can help you find the right fit for you. We will make the best recommendation based on your current situation.