NMLS #20136 • Licensed in FL, MA, NH

Your Path to Homeownership
Starts Here

With 23+ years of experience as your dedicated mortgage broker, I'll guide you through every step of securing the perfect home loan. From first-time buyers to refinancing and investment opportunities.

23+ Years Experience
Licensed Professional
Personalized Service
Happy Hispanic Real Estate Agent Shows House to Young Latinx Couple on Laptop at Office Desk for Mortgage Consultation.
Services

Comprehensive Mortgage Solutions

Whether you're buying your first home, refinancing, or expanding your investment portfolio, I provide personalized guidance every step of the way.

First-Time Homebuyers

Navigate your first home purchase with confidence. I'll explain every step, from pre-approval to closing, ensuring you understand your options.

  • FHA & VA Loans
  • Down Payment Assistance
  • Credit Guidance

Refinancing

Lower your monthly payments or access your home's equity. I'll analyze your current loan to find the best refinancing strategy.

  • Rate & Term Refinance
  • Cash-Out Refinance
  • HELOC Options

Investment Properties

Build your real estate portfolio with specialized investment property financing. I'll help you maximize your investment potential.

  • Rental Property Loans
  • Portfolio Lending
  • 1031 Exchanges
Product Portfolio

Complete Mortgage Product Suite

I work with multiple lenders to offer you the most competitive rates and terms across our comprehensive range of mortgage products.

Government Programs

Backed by federal agencies

FHA Loans
3.5% Down

Perfect for first-time buyers with flexible credit requirements

Lower credit scores OK Gift funds allowed Streamline refinance
VA Loans
0% Down

Exclusive benefits for military veterans and active duty

No PMI required No prepayment penalty Reusable benefit
USDA Rural
0% Down

For eligible rural and suburban areas

Income limits apply Property location requirements

Conventional Loans

Traditional financing options

Fixed Rate Mortgages
15-30 Year

Stable payments with predictable interest rates

Rate never changes Various terms available Build equity faster
Adjustable Rate (ARM)
Variable

Lower initial rates with potential for changes

Lower initial payment Rate caps protection 5/1, 7/1, 10/1 options
High Balance/Jumbo
Above $766K

For loan amounts exceeding conforming limits

Competitive rates High-value properties
Refinancing
  • • Rate & Term Refinance
  • • Cash-Out Refinance
  • • Streamline Refinance
  • • No-Cash-Out Refinance
Investment
  • • Single-Family Rental
  • • Multi-Family (2-4 units)
  • • Portfolio Lending
  • • Fix & Flip Financing
Construction
  • • Construction-to-Permanent
  • • Construction-Only
  • • Renovation Loans
  • • Lot Loans
Specialty
  • • Bank Statement Loans
  • • Asset-Based Loans
  • • Foreign National Loans
  • • Reverse Mortgages

Why Choose Our Mortgage Products?

Access to 50+ lenders means competitive rates and flexible terms

50+
Lending Partners
23+
Years Experience
3
States Licensed
100%
Client Focused

Ready to Get Started?

Let's discuss your mortgage needs and find the perfect solution for your situation.

Get Your Free Consultation
Why Choose Me

Experience You Can Trust

With over two decades in the financial sector, I bring expertise, dedication, and a personal touch to every client relationship. Your success is my priority.

23+ Years of Experience

Deep industry knowledge and proven track record in helping clients secure the best mortgage solutions.

Multi-State Licensed

Licensed in Florida, Massachusetts, and New Hampshire, serving diverse markets and regulations.

Personalized Approach

Every client receives tailored guidance based on their unique financial situation and homeownership goals.

Educational Focus

I believe in educating clients about their options, ensuring you make informed decisions with confidence.

In a business team meeting, success is celebrated with a handshake. Hands close up, dressed in formal suits, working at desks with financial papers, calculators, and laptops.
23+
Years Experience
3
States Licensed
100%
Client Focused
NMLS
#20136
The Process

Your Journey to Homeownership

I'll guide you through each step of the mortgage process, ensuring you understand every detail and feel confident in your decisions.

1. Initial Consultation

We'll discuss your goals, financial situation, and explore the best loan options for your unique needs.

2. Pre-Approval

Get pre-approved to understand your budget and strengthen your position when making offers on homes.

3. Loan Processing

I'll handle the paperwork and coordinate with all parties to ensure a smooth application process.

4. Closing

We'll finalize your loan and you'll receive the keys to your new home. Congratulations!

What Sets My Process Apart

I'm committed to making your mortgage experience as smooth and stress-free as possible.

Quick Response

Fast communication and timely updates throughout the entire process.

Transparent Process

No hidden fees or surprises. Clear communication at every step.

Personal Touch

One-on-one attention with direct access to me throughout your journey.

Ready to Start Your Home Buying Journey?

Let's begin with a free consultation to discuss your goals and explore your mortgage options.

Schedule Your Free Consultation
Educational Videos

Learn From an Expert

Get insider knowledge and expert tips to help you navigate the mortgage process with confidence. Watch these informative videos to better understand your options.

Five Reasons to Refinance in 2025

Know the reasons to refinance in 2025, getting a pre-qualification for your new mortgage with advantages and disadvantages, analyzing the lower interest rate benefits can lead to a significant savings on the total cost of the loan over time. A lower monthly payments or switching from an adjustable rate to a fixed rate mortgage or borrow against your home's equity to cash out  some funds which you can use for other purposes. Or reduce the loan term if you can afford higher monthly payments.

Updated: October 2024
Watch on YouTube
Young couple signing rental contract with real estate agent at apartment viewing, discussing financial plan and insurance with advisor.
8:32

Understanding Different Loan Types: FHA vs Conventional

Compare loan options to find what works best for your financial situation and homeownership goals.

Sept 2024 1.8K views
Quality Assurance and Certification Compliance Concept. A magnifying glass with checkmark surrounded by business icon, symbolizing quality assurance, compliance, and certification. certified document,
6:15

5 Credit Score Mistakes That Could Cost You Thousands

Avoid common credit pitfalls and learn how to optimize your credit score before applying for a mortgage.

Aug 2024 3.2K views
Real estate agent showing a new apartment and features of a good investment to a young couple. Woman and man buying a property in a rich area of the city.
10:22

When Should You Refinance? Market Timing Tips

Discover the best times to refinance and how to calculate if refinancing makes sense for you.

July 2024 2.7K views
Ready to Learn More?

Want Personalized Mortgage Advice?

While these videos provide great general information, every situation is unique. Let's schedule a consultation to discuss your specific needs and goals.

Get In Touch

Let's Make Your Dream Home
A Reality

Ready to take the next step? I'm here to answer your questions, discuss your options, and guide you through the mortgage process with personalized attention.

Call or Text
Available for immediate consultation
Email
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Schedule Online
Book your free consultation
NMLS Licensed
23+ Years Experience
FL • MA • NH

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I'll respond within 24 hours to discuss your mortgage needs.