Rancho Cucamonga, CA (805) 279-2077 Equal Housing Opportunity
NMLS #2823903 DRE #02438658
Sentry Home Loans Inc. logo
Mortgage Division
Realty Nest Group logo
Realty Nest Group Real Estate Division
Get a Rate Quote Apply Now
Mortgage Calculator Search Properties Our Team Reviews Videos Contact
Call Us Apply Now
Mortgage & Real Estate, Under One Trusted Roof

A home loan and a home, guided by one broker you can call by name.

Sentry Home Loans and Realty Nest Group are the mortgage and real estate practices of broker/owner Alvaro Barajas, serving Rancho Cucamonga and the Inland Empire with concierge-level attention from pre-approval to closing day.

Estimate My Payment Search Homes
21+ yrs
In mortgage lending since 2004
NMLS 251925
Individual loan originator license
DRE 02066177
Broker license, State of California

Start here — takes under a minute

Choose what brings you in today.

Licensed Broker
CA DRE & DFPI licensed, in good standing
Two Practices, One Team
Financing and property search under one roof
Local & Hands-On
Based in Rancho Cucamonga, serving the Inland Empire
Since 2004
Guiding Southern California families home
Two Brands, One Broker

Whichever side of the transaction you're on, it's the same steady hand.

Sentry Home Loans handles your financing. Realty Nest Group handles your property search. Because both run through Alvaro's office, nothing gets lost in the handoff.

Sentry Home Loans

Mortgage Division

Purchase, refinance, and first-time buyer programs, structured around your numbers — not a call-center script.

  • Conventional, FHA, VA & jumbo financing
  • First-time buyer & down-payment assistance guidance
  • Refinance & equity cash-out strategy
  • Direct access to your loan originator, not a queue
Estimate a Payment Start an Application

Realty Nest Group

Real Estate Division

Buying, selling, or just curious what your home is worth — a search built around your life, not just your budget.

  • Live MLS-fed property search (once connected)
  • Free, no-obligation home value estimates
  • Listing & seller representation
  • Financing pre-approval before you tour
Search Homes What's My Home Worth?
Sentry Home Loans

See your estimated monthly payment

Adjust the numbers below for an instant estimate of principal, interest, taxes and insurance. This tool is for planning only — your actual rate and payment depend on full underwriting.

Estimated total monthly payment
$0/mo
Principal & interest$0
Property tax$0
Home insurance$0
HOA dues$0
Loan amount$0
Get My Real Rate
This calculator provides an estimate for illustrative purposes only and is not a quote, rate lock, or commitment to lend. Actual payment, rate, taxes, insurance and program eligibility are determined through full application and underwriting with Sentry Home Loans Inc., NMLS #2823903. Equal Housing Opportunity.
The People Behind The Practice

Meet the team

Every file gets a real person's attention, from your first phone call to the closing table.

Broker / Owner Alvaro Barajas, Broker/Owner
Alvaro Barajas
Broker / Owner
(805) 279-2077 valo@sentryhomeloans.com
Founder of Sentry Home Loans and Realty Nest Group, Alvaro has been in mortgage lending since 2004, with a broker's license and a Professional Certificate in Local Government & Community from the Pepperdine School of Public Policy. He's passionate about helping, educating and serving as a resource for clients — guiding not just their mortgage, but their entire wealth-building path and future. He also values his referral partners and loves collaborating with them. Outside the office, Alvaro enjoys traveling, the arts (musicals, plays, shows and operas), golf, hiking, and a good book, along with time with family and friends and volunteering in his community.
CA BRE Lic. #02066177 · Individual NMLS #251925
Senior Loan Officer & Realtor® Carlos Aguilar, Senior Loan Officer and Realtor
Carlos Aguilar
Senior Loan Officer & Realtor®
(626) 786-0235 caguilarhl@outlook.com
A 40-year veteran of the mortgage industry, Carlos has worked across servicing, production and sales — managing escrow and customer service teams, training loan staff, overseeing processing and underwriting, and most recently leading teams of loan originators as a mortgage loan originator himself. Fluent in Spanish after six years living and studying in Mexico City. Outside the office, Carlos is a father of four and stepfather of two, a grandfather of six, and a regular at his grandsons' baseball and football games — and his granddaughter's folklórico performances.
CA DRE Lic. #02206971 · Individual NMLS #208210
Senior Loan Officer & Real Estate Agent Grace Garcia, Senior Loan Officer and Real Estate Agent
Grace Garcia
Senior Loan Officer & Real Estate Agent
(562) 400-8471 grace@sentryhomeloans.com
With 30 years in mortgage and real estate, Grace has built a career around lending, business development and relationships — serving as an Underwriting Manager, AVP of Production, Account Executive and Senior Loan Officer along the way. She's also a small business owner, an experience that's shaped her approach to entrepreneurship, leadership and genuine connection. Outside the office, Grace values time with family and friends, a relaxing day at home, a drive to the beach, travel, and trying a new restaurant — believing life is about working hard, enjoying the journey, and making time for the people you love.
CA DRE Lic. #01854624 · Individual NMLS #238831
Client Stories

What clients say

Real words from real clients across mortgage and real estate transactions — shared with their permission.

“
I highly recommend Mr. Barajas. He kept me updated every step of the way and answered each of my phone calls/questions. Very knowledgeable and made a stressful process as easy as possible. Looking forward to working with him in the future again.
LO
Linet O.
Mortgage Client
“
Excellent experience and friendly person and extremely professional thank you, Valo.
SG
Sergio Juarez G.
Verified Client
“
Valo Barajas was very helpful during the refinancing process and I highly recommend Valo to anyone that is looking to refinance……Thank you Mr. Barajas!
PA
Patricia A.
Refinance Client
“
Had a great experience everything is well organized and very informative when explaining the loan process. I would highly recommend it to my friends that everything is smooth running from start to finish.
HM
Hugo M.
Mortgage Client
“
Best financial value. Professional and courteous, including excellent and timely communication. Valo Barajas made what could have been a stressful process reassuring and pleasant.
JW
James W.
Happy Homeowner
“
Good Day, I have to say that we were very pleased and thankful to work with Valo due to his great attitude and personality he made us feel important and we thank him very much.
SV
Sylvia V.
Verified Client
“
Always professional! Always efficient! Always trustworthy!
NJ
Nicole J.
Happy Client
“
Very professional and are great on status updates and with communicating made the process very easy thank you.
MC
Manuel C.
Mortgage Client
“
This is our third time working with Valo Barajas. As always his service is amazing, friendly, and reliable. We will definitely continue to work with him and recommend his services to our family and friends. Thank you!
EH
Elsa H.
Repeat Client · 3rd Transaction
“
Valo guided and explained everything to me from start to finish. Great job! Thanks! I will probably do same refi on our non owners occupied property as well.
DD
Deolito D.
Refinance Client
“
Valo was very professional and helpful during our purchase process. He shares the right amount of information and guided us to lock in our interest rate before increases took effect. Valo also went above and beyond to coordinate between us and Escrow to close on time. I'd highly recommend Valo and his team.
CW
Christopher W.
Home Buyer
Every review on this page is a genuine client testimonial. Have a story of your own to share? We’d love to hear it.
See It, Don't Just Read It

Video library

A welcome video from Alvaro, neighborhood walk-throughs, listing tours and client testimonials all belong here.

Welcome video
Meet Alvaro & the team
Listing tour
Add a property walk-through
Client story
A closing-day testimonial
Add a video
Upload MP4 or embed a link
Required Disclosures

Licensing & regulatory information

Sentry Home Loans Inc.

Sentry Home Loans Inc. is licensed by the California Department of Real Estate, NMLS #2823903. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, income and asset verification, and property appraisal. Rates, terms, and programs are subject to change without notice and may vary based on individual qualification. Alvaro Barajas, Broker/Owner, Individual NMLS #251925. To verify this company's or this individual's license, visit the NMLS Consumer Access website at nmlsconsumeraccess.org.

Realty Nest Group

Realty Nest Group operates under Alvaro Barajas's California Department of Real Estate (DRE) Broker License #02438658, individual Broker license #02066177. Licensed to conduct real estate brokerage activities in the State of California only. Information about brokerage services and your rights as a buyer or seller is available upon request. Equal Housing Opportunity — this company is pledged to the letter and spirit of fair housing law.

Company NMLS: #2823903
Company DRE: #02438658
Broker License: #02066177
Individual NMLS: #251925
Office: 10788 Civic Center Dr, Suite 250/260, Rancho Cucamonga, CA 91730
Let's Talk

Contact us — or ask us anything

Whether it's a rate question, a listing you want to see, or you're just getting started: reach out below, or use the quick chat button in the corner any time.

Send a message

Thank you — your message is in. Someone from our team will follow up shortly. For anything urgent, call us directly at (805) 279-2077.
Broker / Owner
Alvaro Barajas
Call or text
(805) 279-2077
Sentry Home Loans
sentryhomeloans.com
Realty Nest Group
realtynestgroup.com
Office
10788 Civic Center Dr, Suite 250/260
Rancho Cucamonga, CA 91730
Map preview — connect Google Maps for a live, clickable map.

Ask us anything

Quick question? Send it below and we'll get right back to you.

Thanks! We'll reach out shortly. For anything urgent, call (805) 279-2077.