Contact Joe & Kim

Office Phone:  (916) 442-1459
Office Fax:      (916) 290-0398

Joe & Kim's Quarterly Newsletters



  Recently financed by Joe & Kim



We offer the following programs:

*          30-year fixed, 20-year fixed, 15-year fixed; 

*          10-year, 5-year & 3-year fixed amortized over 30 years;

*          FHA, CALVET, CHDAP, HomePath, VA and Jumbo Loans;

*          Interest only;

*          Commercial loans;

*          Private Money loans


"Thank you.  Your hard work is a neat part of our lives.  Every time I ask for your help you do more than I expect.  Thanks. John."   by John Davis

"Professional Mortgage Associates is the perfect name! They are very good at what they do and are professionals of the highest level! They made everything so easy and painless. They were on top of everything and really made the whole lending and purchasing process as easy as could be. They are very efficient, responsive, and fast. We were able to get in our house a lot faster than we expected. Having the mortgage loan officer and realtor in the same office is key. Kimberly Benavides and Joe Wirsing are the best team out there and choosing anyone else would be a major mistake. They really know what they are doing which will be very clear to you once you start working with them and they are most definitely people that you can trust! I can't put into words how grateful I am for this incredible team!

Thanks PMA!"   by  Matt Phillips


Who We Are And Our Objective

     We are a Father/Daughter team with over 40 years experience in residential, commercial and private money real estate financing.  Our objective is to assist you, our client, in obtaining real estate financing that meets your specific needs and goals.  We provide professional and quality service that you will not find anywhere else. We dedicate ourselves to find the best rate and the best program the market has to offer.   We are approved with approximately 60 different lenders, which means we can facilitate ANY type of real estate loan. You will always have a variety of options to choose from when you talk to us.

      Our first step is meeting you.  We take pride in meeting our clients face to face so that we get to know you personally.  After we get to know you, we start the application process where we obtain your personal information.  This can be taken in person, via e-mail or over the telephone.  Once we receive your loan application, we contact our lender team, title/escrow and realtor professionals so that we can all work together to ensure a  smooth loan transaction.  After your loan has been approved, and your loan documents are ready to be signed, we attend your signing with you to answer any questions that may arise. 

      Remember:  Our time is your time.  We make ourselves available whenever you need us, day or night.   You are our top priority and you will receive priority attention.  Give us the opportunity and we’ll make it happen.

   Joe & Kim