Let's get you home.
Buying a home is more than a transaction—it's a journey toward creating a space that's truly yours. It's about envisioning your future, building memories, and finding comfort in a place you call home. This journey begins with a simple conversation to understand your goals, answer your questions, and guide you every step of the way. Let's connect and start turning your homeownership dreams into reality.
The traditional option
Conventional Loans
Conventional loans are ideal for buyers with good credit and stable income. They typically come with competitive rates, flexible terms, and fewer restrictions on property types. If you’re putting down 3% or more and want to avoid mortgage insurance in the future, this could be a great fit.
Great for first time home buyers.
FHA Loans
FHA loans are designed to make homeownership more accessible, especially for first-time buyers or those with lower credit scores. With a down payment as low as 3.5% and more lenient guidelines, they offer a wise path to homeownership when conventional isn’t a match.
Don't fit into the traditional box?
Non-Traditional Financing
Not everyone fits neatly into a traditional lending box. That’s okay. If you’re self-employed, have unique income sources, or need to qualify using bank statements or asset-based options, flexible loan programs are designed just for you. We’ll look at the full picture and find a path that works with your real life, not just your tax return.
I'm Justin Mendonca
SR. MORTGAGE ADVISOR | NMLS ID: 1023302
I began my mortgage career in 2000 and have built my expertise in residential financing across California, Oregon, Washington, and Idaho. I specialize in purchase and refinance loans, second homes, and investment properties. With over 20 years of experience, I focus on clear communication, strong guidance, and helping clients make smart financial decisions.
At Point Equity, I’m proud to support our client-first and community-driven approach. I take the time to understand each client’s goals and offer tailored lending solutions. Clients value my professionalism, responsiveness, and steady support during time-sensitive transactions.
Outside of work, I enjoy spending time with my wife and three sons at sporting events, concerts, and while traveling. Kauai and Maui are among our favorite places to visit. At home, our French Bulldog keeps life interesting.
Jane Babenko, Client
"If I could give more than five stars, I totally would! Let me start by saying that Justin is a delight to work with. Justin is super responsive and highly knowledgeable in his work. My husband and I felt like Justin truly cared about getting us the best deal, in terms of rate, closing cost, etc. Justin worked fast and efficiently to close our new home purchase within a 21-day window. We recommend Justin to our friends and family!"
Dan Etter, Client
"Justin was fantastic to work with throughout the entire process. My wife and I were first-time home buyers trying to navigate a tricky market and uncertainty during the height of the pandemic. Justin walked us through each step, answering questions and concerns thoughtfully and thoroughly. This attentiveness and care continued after closing, as we had questions about taxes, rates, and refinancing options. I'd highly recommend working with Justin Mendonca!"
Debra Jones, Client
"I had the pleasure of working with Justin on my recent mortgage application, and I cannot express enough gratitude for his expertise and professionalism throughout the entire process. From our initial consultation to closing my loan, Justin demonstrated exceptional knowledge of the mortgage industry and was incredibly responsive to all of my questions and concerns. He kept me informed, ensuring that I felt supported and informed throughout the entire journey. Overall, I cannot recommend Justin highly enough to anyone needing a mortgage."