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Consumer Banking - Home Loans  | Home Loan Consultants

With the Smart Home Loan, you not only get a great rate but great service too! Our Home Loan Consultants are experienced mortgage professionals with the mission to ensure that our customers achieve their goal to purchase a new home or refinance their existing home.

California

Ijumaa Armstrong

Ijumaa has the experience and expertise to help you make the right home loan decision for you and your family.  He understands your goals are to provide a comfortable home to live, reduce your mortgage costs and/or make an investment in your future.  Ijumaa will provide all the information and assistance you need every step of the way to ensure you make a smart home loan decision.

Ijumaa has over 18 years of lending experience in sales, account management and underwriting.  His previous underwriting experience – making credit decisions for loans –  is a valued asset in educating clients with their quest to become first time home buyers, refinance their current residence or purchase investment property.  Ijumaa also brings high energy and a desire to help families in urban communities reach one of their dreams in obtaining affordable housing.

Be SMART and allow Ijumaa to help you experience the best customer service with your next mortgage loan transaction.

Ijumaa Armstrong
Home Loan Consultant
3683 Crenshaw Blvd
Los Angeles, CA 90016
(323) 684-6428
iarmstrong@oneunited.com
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Richard Barragan

Richard has the experience and expertise to help you make the right home loan decision for you and your family.  He understands your goals are to provide a comfortable home to live, reduce your mortgage costs and/or make an investment in your future.  Richard will provide all the information and assistance you need every step of the way to ensure you make a smart home loan decision.

Richard has over 15 years of mortgage lending experience, having begun his career working with clients in Los Angeles and various other cities in the US.  Richard has vast knowledge of the industry, has worked with various direct lenders and real estate brokers and funded millions of dollars of refinancing and purchase home loans. Most of his clients have been referrals because he takes pride in offering great customer service and utilizing his expertise to help borrowers.

Richard graduated from the University of Southern California with a Bachelor’s degree in economics.  He is committed to service and has done volunteer work for surrounding communities.

Be SMART and allow Richard to help you experience the best customer service with your next mortgage loan transaction.

Richard Barragan
Home Loan Consultant
3683 Crenshaw Blvd
Los Angeles, CA 90016
(323) 684-6424
rbarragan@oneunited.com
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Florida

Sergio Villaraus

Sergio has the experience and expertise to help you make the right home loan decision for you and your family.  He understands your goals are to provide a comfortable home to live, reduce your mortgage costs and/or make an investment in your future.  Sergio will provide all the information and assistance you need every step of the way to ensure you make a smart home loan decision.

Sergio brings over 12 years of lending experience in the South Florida market.  He can help you reach your dream of homeownership by offering comfortable financing options. Whether you are looking to refinance and lower your monthly payments or looking to purchase an investment for your future. Sergio’s dedication and exceptional customer service will guide you every step of the way in fulfilling your dreams of homeownership.

Be SMART and allow Sergio to help you experience the best customer service with your next mortgage loan transaction.

Sergio Villaraus
Home Loan Consultant
3275 NW 79th Street
Miami, FL 33147
(786) 877-3033
svillaraus@oneunited.com
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Important disclosures regarding the FDIC’s Transaction Account Guarantee Program: OneUnited Bank is participating in the FDIC's Transaction Account Guarantee Program. Under this program, the FDIC temporarily provides a full guarantee for deposits held by FDIC insured institutions in noninterest bearing transaction accounts. This coverage became effective on October 14, 2008 and will expire at 11:59 PM EST on December 31, 2010. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. OneUnited Bank does not guarantee that its rates for interest bearing checking, money market and IOLTA accounts will not exceed 0.25%, and therefore these accounts are not eligible for TAGP. Please visit the FDIC website for more information on this pro gram (www.fdic.gov)

 

* The interest rate (1.01%) and annual percentage yield (APY) (1.01%) is effective today and has been effective as of July 12th, 2010. $1,000.00 minimum balance to open and $1,000 minimum to earn disclosed APY. All rates are subject to change daily. Interest on CDs is compounded at the end of the term or annually, which ever is shorter. A penalty may be imposed for early withdrawals on all CDs, and fees may reduce earnings on the account. For more information, including how interest is calculated and fees, please review our Online Truth in Savings Disclosures or speak with our Financial Service Representatives. Please call 1-877-One-United or 877-663-8648 for current rate or further detailed information.