Punjabi & English · ਪੰਜਾਬੀ ਅਤੇ ਅੰਗਰੇਜ਼ੀ

Home loan guidance in Punjabi and English.

Buying or refinancing a home in California is a big decision. Talk through your options in the language you are most comfortable with, in plain terms and at your own pace.ਕੈਲੀਫੋਰਨੀਆ ਵਿੱਚ ਘਰ ਖਰੀਦਣ ਜਾਂ ਰੀਫਾਇਨੈਂਸ ਕਰਨ ਲਈ ਪੰਜਾਬੀ ਵਿੱਚ ਸਾਫ਼ ਅਤੇ ਸੌਖੀ ਜਾਣਕਾਰੀ।

  • Speak with us in Punjabi or English
  • Plain-language answers, no pressure
  • Everyone is welcome

Not a loan offer or commitment to lend. Available for California properties only. Programs, rates and terms vary and are subject to credit approval and underwriting. See licensing & disclosures.

Find my pathStep 1 of 7

What brings you here?

Pick the closest match. You can change it anytime.

Your goal

How will you use the property?

This helps match you with the right program.

Property use

What’s the approximate home price or value?

A rough range is fine.

Price range

How much down payment or equity do you have?

Estimated percentage of the home’s value.

Down payment or equity

How would you describe your credit?

Your best guess. We are not checking your credit here.

Credit profile

When are you hoping to move forward?

No pressure. This helps us plan the conversation.

Timeline

Where should we send your options?

A licensed professional will follow up. We do not sell your personal information.

No credit pull. No obligation. Not a loan commitment.
Takes about a minute
Language support

Mortgage help that speaks your language.

Language assistance is offered as a courtesy to anyone who prefers Punjabi. Our services are open to everyone.

ਪੰਜਾਬੀ ਜਾਂ ਅੰਗਰੇਜ਼ੀPunjabi or English. Speak in the language you are most comfortable with.
ਕੋਈ ਕ੍ਰੈਡਿਟ ਜਾਂਚ ਨਹੀਂNo credit check. The quiz and calculator do not pull your credit.
ਕੋਈ ਜ਼ਿੰਮੇਵਾਰੀ ਨਹੀਂNo obligation to apply or to work with us.
ਪਰਿਵਾਰ ਨਾਲ ਫ਼ੈਸਲਾFamily decisions. Bring family members into the conversation if you wish.

What we can explain

  • ਘਰ ਖਰੀਦਣ ਦੇ ਲੋਨ · Home purchase loans
  • ਰੀਫਾਇਨੈਂਸ ਅਤੇ ਕੈਸ਼-ਆਊਟ · Refinance and cash-out options
  • ਪਹਿਲੀ ਵਾਰ ਘਰ ਖਰੀਦਣ ਵਾਲਿਆਂ ਲਈ ਮਦਦ · First-time buyer help
  • ਡਾਊਨ ਪੇਮੈਂਟ ਅਤੇ ਕਲੋਜ਼ਿੰਗ ਖ਼ਰਚੇ · Down payment and closing costs

Good to know

  • Income from more than one family member can sometimes be considered when each person is a borrower on the loan. Rules vary by program.
  • Self-employed and business-owner borrowers can qualify. Lenders typically ask for tax returns and business records, often covering two years.
  • Tell us early about work history, savings and gift funds so we can plan the documents you will need.
  • This is general information and not a loan offer. All loans are subject to credit approval and underwriting.
FAQ · ਅਕਸਰ ਪੁੱਛੇ ਜਾਂਦੇ ਸਵਾਲ

Common questions.

ਕੀ ਕਵਿਜ਼ ਨਾਲ ਮੇਰੇ ਕ੍ਰੈਡਿਟ 'ਤੇ ਅਸਰ ਪਵੇਗਾ?

ਨਹੀਂ। ਕਵਿਜ਼ ਅਤੇ ਕੈਲਕੁਲੇਟਰ ਵਿੱਚ ਕ੍ਰੈਡਿਟ ਦੀ ਜਾਂਚ ਨਹੀਂ ਹੁੰਦੀ, ਅਤੇ ਅਪਲਾਈ ਕਰਨਾ ਜ਼ਰੂਰੀ ਨਹੀਂ।
No. The quiz and calculator do not involve a credit check, and you are not required to apply.

ਕੀ ਮੈਂ ਪੰਜਾਬੀ ਵਿੱਚ ਗੱਲ ਕਰ ਸਕਦਾ/ਸਕਦੀ ਹਾਂ?

ਹਾਂ। ਤੁਸੀਂ ਪੰਜਾਬੀ ਜਾਂ ਅੰਗਰੇਜ਼ੀ ਵਿੱਚ ਗੱਲ ਕਰ ਸਕਦੇ ਹੋ। ਫਾਰਮ ਵਿੱਚ ਆਪਣੀ ਪਸੰਦੀਦਾ ਭਾਸ਼ਾ ਚੁਣੋ।
Yes. You can speak with us in Punjabi or English. Choose your preferred language on the form.

ਕੀ ਇਹ ਲੋਨ ਦੀ ਪੇਸ਼ਕਸ਼ ਹੈ?

ਨਹੀਂ। ਇਹ ਸਿਰਫ਼ ਆਮ ਜਾਣਕਾਰੀ ਹੈ। ਕੋਈ ਵੀ ਲੋਨ ਕ੍ਰੈਡਿਟ ਮਨਜ਼ੂਰੀ ਅਤੇ ਅੰਡਰਰਾਈਟਿੰਗ ਦੇ ਅਧੀਨ ਹੈ।
No. This is general information only. Any loan is subject to credit approval and underwriting.

Explore loan options

First-time buyers →FHA loans →Refinance →
Jagdish Singh, licensed California real estate broker
Meet your broker & loan officer

Jagdish Singh

Licensed California real estate broker · Mortgage Loan Originator

I’m a licensed real estate broker working in the California market. I started as a realtor in 2016, earned my broker’s license in 2019, and have helped hundreds of families buy homes with guidance grounded in local market knowledge.

I’m committed to personalized service for clients across the region, and I’m fluent in English, Hindi and Punjabi.

  • English
  • हिन्दी
  • ਪੰਜਾਬੀ

Landstar Realty Group · DRE Broker License #02110817Jagdish Singh · DRE Broker License #02002912Mortgage Loan Originator · NMLS ID #2734008 · with H.O.M.E. Lending, NMLS ID #1786164 H.O.M.E. Lending logoVerify on DRE · Verify on NMLS Consumer Access

Ready to see where you stand?

It takes about a minute, and there’s no obligation.

Start the quick quiz
Find my loan pathCall