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Welcome to REAL -
Real Estate And Lending Solutions

About UsContact UsEn Español?

About Us

Who We Are

Our success depends on the strength of our team.

Jesse Morales
Mortgage Loan Originator
NMLS: 671221

c/ 818-653-6525 f/ 888-908-9636

Ernesto Guray
Mortgage Loan Originator
NMLS: 819276

c/ 818-554-3595 f/ 888-688-3576


A CSUN and UCLA alumni, Jesse Morales has been serving people for nearly 20 years as a professional in different fields. After his start as a social worker and acquiring the experience and knowledge that comes with helping others, Jesse Morales shifted towards finance as a securities broker and a financial advisor in 2003 before becoming in a mortgage broker in 2008. The satisfaction with being an integral part in the fulfillment of people’s dreams and goals is the drive Jesse Morales brings to each and every client and this company’s foundation lies at the heart of it.


Ernesto brings to the table years of experience in helping others as well along with a strong background in Finance. After completing his business degree at the University of Maryland and CSUN (Associates in Business Management and a Bachelors in International Business and Marketing), Ernesto Guray set his focus on Insurance, Banking and Finance along with the acquisitions of his Investment Licenses. Working at Chase and Union Bank provided Mr. Guray with a tremendous insight into not only how money and credit work but also into how to help take his clients from point A to point B where there financial goals were concerned. Today, with the motivation from his loving wife May and 2 year old daughter Leilani, Ernesto Guray employs these experiences and tools to provide the best possible long term and short term solutions he can for his clients and associates.

Who We Are

We are the dynamic duo in real estate and lending SOLUTIONS.

Our combined experience and expertise are at your disposal.

About Us

Real Estate And Lending Solutions

Whether you are in the San Fernando Valley the general Los Angeles area, Palmdale or the surrounding cities - Real Estate and Lending Solutions is there for you. We have decades of experience in serving families all over with financial solutions ranging from mortgages, refinancing and loans while providing a personal service that is both professional and familiar. Need an FHA? Need to lower your rates? Wondering if your credit is good enough? Whatever the query, we are here for you.


Our academic background serves as the foundation upon which our experience was founded on. We have the knowledge and training to reinforce our years of experience to best serve your financial needs.


Our experience in lending and real estate in and around the San Fernando Valley permits us to know the paths and bends that solutions for financial needs may sometimes require. But above all, experience has taught us that next to fulfilling your needs we also aim to establish a long-term relationship.


Education. Experience. Technology. All three facets of our approach to finding solutions for your financial situation are critical to our work ethic and drive to fulfill related tasks.

Real Solutions

Here are a few examples of some of the financial solutions we offer:

FHA Loans

Low down payments
Low closing costs
Easy credit qualifying

VA Loans

Down payment not always required
Buyer informed of reasonable value
Negotiable interest rate


Cash out
Modify your Payments
Modify your Rate


Down Payment Assistance

Glossary and FAQs

We Are Here For You

Take your time and research some keywords and frequently asked questions. Remember, we're only a phone call away - call us at (818) 653-6525 or (818) 554-3595.


Loan payments by equal periodic amounts calculated to pay off the debt at the end of a fixed period, including accrued interest on the outstanding balance.


A percentage rate that reflects the amount of interest earned or charged.

Balloon Payment

An installment payment on a promissory note - usually the final one for discharging the debt - which is significantly larger than the other installment payments provided under the terms of the promissory note.

Down Payment

The difference between the purchase price of real estate and the loan amount. The borrower is responsible for providing the funds for the downpayment.


The difference between the fair market value of a property and the current indebtedness secured on the property.


A situation in which a third party, acting as the agent for the buyer and the seller, carries out the instructions of both and assumes the responsibilities of handling all the paperwork and disbursement of funds at settlement or at closing.


Consideration in the form of money paid for the use of money, usually expressed as an annual percentage. Also, a right, share or title in property.

Loan-to-Value (LTV) Ratio

The ratio of the principal balance of a mortgage loan to the value of the securing property, as determined by the purchase price or Appraised Value, whichever is less.

Do I need a home equity loan
or a home equity line of credit?

Both products use your home as collateral.

The main differences between the products are:

  • The line of credit is accessible for a long–term draw period, usually by check or online banking. Once you pay down your balance, you then have more money available to spend again if necessary. A home equity loan disburses all funds at once when the loan term starts and you cannot access any further funds without refinancing.
  • A line of credit has a variable interest rate. A home equity loan has a fixed rate.
  • A home equity loan has payments that don't change. A home equity line of credit has a payment that can change every month, either because the balance changes (increases if you spend more; decreases if you pay down what you owe) or because the interest rate changes because of the Prime rate changing.

Do I need a fixed rate or
an adjustable rate?

Fixed-rate loans have interest rates that don't change during the life of the loan. Adjustable-rate loans have rates that are linked to an index, Prime, and therefore can change over time.

Consider factors that could affect your decision, such as how a higher monthly payment would impact your budget if the rate were to increase and the length of time you plan to stay in your home.

Why should I refinance?

There a numerous reasons customers refinance the loans they already have. Some of these are:

  • To lower the monthly payment
  • To lower the interest rate
  • To switch from an adjustable rate to a fixed rate or vice-versa
  • To refinance for a higher amount in order to pay off other debts or get cash
  • To change the remaining term of the loan

Can I get preapproved?

Yes, you can. Your information is reviewed, and a decision is made as to whether you qualify. Contact us to see what information you need to provide. Once pre-approved, you can look for a new home with confidence, and sellers will feel more comfortable dealing with you.

Our Forms

Downloadour forms to print!

You may download our forms to print and save yourself valuable time! You can also e-mail them to us at for Jesse Morales or for Ernesto Guray.


The 10 Commandments

10 important tips to ensure your loan process if fluid and simple!


Prequalification Checklist

Before you submit your prequalification or come to our office to meet us - review this handy document to ensure you have everything you need!


Purchase Documentation Checklist

Have all your documents in hand? Checkout this Purchase Documentation Checklist to make sure you do.


Refinance Checklist

Before you submit your REFI paperwork, have a glance at this document to make sure there are no delays due to missing paperwork or conent.

If you have any further questions, you can always reach us by phone or in person. We love technology, but we also love interacting personally. That being said, we know your time is precious and these documents may help you save some of it.


Keep In Touch

Jesse Morales: +1 (818) 653-6525


Fax: +1 (888) 908-9636

Ernesto Guray: +1 (818) 554-3595


Fax: +1 (888) 688-3567

208 N Maclay Ave
San Fernando, Ca 91340

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