Kevin ParvinMortgage Loan Originator at Loan Advisor Group, Inc.

Clear guidance. Sound decisions.

The right loan. The right strategy. The right home.

Start with useful numbers, explore possible loan paths, and build a financing plan with Kevin Parvin.

Kevin Parvin · NMLS #2797362 · CA DRE #02442639
Loan Advisor Group, Inc. · NMLS #1647915 · CA DRE #02039443

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California-wide service Experienced financial perspective Direct, one-on-one planning

Calculate a payment Compare rent and ownership Secure application Set up a conversation

Loan pathfinder

Explore loan types that may fit.

This educational tool narrows the conversation. It does not determine eligibility, approval, or final terms.

How do you earn most of your income?How would you describe your credit?What is your primary goal?

Possible starting point

Conventional financing may be a strong starting point for comparison.

The right recommendation depends on documentation, property, occupancy, available funds, and current program guidelines.

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Run the numbers

Clarity starts with a realistic estimate.

Adjust the assumptions. Then talk through what the numbers leave out.

Illustrative mortgage estimate

Monthly payment

Home priceDown paymentAssumed interest rate—not an offered rateAssumed APR—not an offered APRLoan termAssumed property tax rateMonthly insurance estimate

Estimated monthly total$5,293$4,298 principal & interest · $815 property tax · $180 insurance

$680,000Loan amount6.500%Interest rate6.750%APR30 yearsTerm

User-created illustration only—not a quote, Loan Estimate, approval, or commitment to lend. The rate and APR above are assumptions entered by the user, not rates or terms offered by Kevin Parvin or Loan Advisor Group, Inc. APR generally differs from the note rate because it reflects certain finance charges. Excludes mortgage insurance, HOA dues, closing costs, and other charges.

Rent versus ownership

See the rent trajectory

Current monthly rent

Assumed annual rent growth

Years to compare7 years

Yr 0$3,800

Yr 2$4,031

Yr 4$4,277

Yr 5$4,405

Yr 7$4,674

Projected monthly rent after 7 years$4,674$349,408 estimated total rent paid, assuming 3% annual increases.

Illustration only. Rent changes vary. Ownership also includes taxes, insurance, maintenance, transaction costs, and market risk. Only principal and interest on a fixed-rate loan stay fixed; consult tax and financial advisers about your situation.

Financing options

Different goals call for different tools.

Kevin helps compare structure, documentation, costs, and tradeoffs—not just the headline payment.

Conventional

Flexible financing for qualified buyers, including primary homes, second homes, and investment properties.

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FHA

Government-insured financing that may offer more flexible credit and down-payment guidelines.

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VA

Eligible veterans, service members, and surviving spouses may access powerful financing benefits.

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USDA

Eligible rural and suburban properties may qualify for financing with low or no down payment.

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Bank statement

An alternative documentation path that may fit eligible self-employed borrowers. These programs may carry higher interest rates, points, or fees than loans requiring standard income documentation.

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Investment property

Financing strategies for qualified buyers building or expanding a real-estate portfolio.

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Meet Kevin Parvin

A financial conversation first. A loan conversation second.

Buying or refinancing a home is emotional because the decision is personal. Kevin’s approach starts by listening, organizing the facts, and building a plan that gives people more confidence in their next step.

Kevin brings investing and management experience together with broad loan-product knowledge to help clients understand both the opportunity and the obligation behind a mortgage.

Personal guidanceOne-on-one attention from questions through closing.

California perspectiveServing clients statewide, with roots in coastal San Diego.

Practical educationClear numbers, realistic tradeoffs, and no pressure.

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Kevin Parvin in a coastal San Diego setting

Community

Local relationships matter.

Kevin believes strong communities are built through service, education, and showing up for people.

Common questions

Start informed.

Short answers to the questions buyers ask most often.

How much home can I afford?

Affordability depends on income, debts, credit, available funds, property taxes, insurance, association dues, and the loan program. A calculator gives a useful estimate; a full review gives you a reliable budget.

How much do I need for a down payment?

The answer is not automatically 20%. Some conventional, FHA, VA, USDA, and assistance programs may allow less, subject to eligibility and current guidelines.

Should I get prequalified before shopping?

Yes. A thorough prequalification can clarify your price range, likely cash needs, and potential loan options before you write an offer. It is not a commitment to lend.

Can self-employed buyers qualify?

Yes. Depending on the facts, documentation may include tax returns, profit-and-loss statements, or eligible bank-statement programs. Program availability and underwriting rules vary.

Is a fixed-rate mortgage payment always unchanged?

The principal-and-interest portion of a fixed-rate loan stays fixed. The total payment may change because property taxes, homeowners insurance, mortgage insurance, or association dues can change.

Start a conversation

Bring the situation. Kevin will help organize the next step.

Questions about buying, refinancing, investing, or getting ready? Call, text, or send a short note.

Call Kevin(760) 500-6672 Text KevinStart a conversation

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