Mortgage Types Available
Conforming
For clients whose parameters conform to the standards set by Fannie Mae and Freddie Mac. Loan limits range from $510,400 to $765,600.
FHA
Suitable for clients whose credit history may be slightly challenged and who need to make a low downpayment. Federal Housing Authority (FHA) loan limits vary per county.
VA
Available to Veterans of the United States Military. Department of Veterans Affairs (VA) loans permit a 0% down payment.
Jumbo
For clients who need to borrow more than the Conforming limits listed above.
Non-QM
There are various reasons why a loan may not be eligible to be categorized as being a Qualified Mortgage (QM). A Bank Statement Loan is a common example of a Non-QM loan.
Customized Portfolio
Suitable for High-Net-Worth clients needing to borrow an amount in excess of traditional Jumbo limits. Portfolio loans often require the client to establish a depository banking relationship with the boutique bank to which the loan is brokered.
A mortgage is not just a means to purchase your dream home, it is a wealth building strategy. Whether you are looking to purchase or refinance, when selecting a mortgage if you don’t also take all your consumer debt into account and calculate what is the most efficient configuration in terms of interest expense, you may end up paying more interest than you should.
Most people don’t think of a mortgage as a vehicle to reduce debt to create wealth. We have a tendency to overlook the opportunity to restructure debt when making a purchase or a refinance, which are opportunities to reduce your overall monthly debt burden, and accelerate the growth of your net worth. Don’t make that mistake. Get in contact with us today!
What Clients Are Saying...
What Current and Former Colleagues Think...
Paulo is a well qualified and knowledgeable mortgage banker with a wealth of expertise in all facets of lending. I would highly recommend him to anyone looking for any type of residential loan. He’s five stars!
Paulo works great with Realtors and Clients. He’s thorough when reviewing documentation and details of the transaction. He communicates and keeps everyone updated throughout the loan process. He understands complex lending situations and provides solutions. Paulo has integrity and is great to work with.
Paulo Rodriguez is one of the most detail oriented mortgage professionals I know. Many loans encounter some for of turbulence during the transaction. He is the right pilot to ensure the smoothest sailing possible if you have intricate and complex financials.
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