Personalized mortgage solutions designed to help you make confident decisions at every step.
Built around your goals
Every step of the way
Smart options that save
Here to help you succeed
About
I came to this country from Cuba, where owning a home is out of reach for most people. Now I get to spend my days helping people achieve exactly that dream. I'm based in Southwest Florida, living and working in the same community I serve.
I found my purpose in mortgages after years in sales and customer service that never felt fulfilling. I love seeing an empty house become a family's home, knowing I was part of that. I work with first-time buyers, move-up buyers, and investors alike.
My approach is changing how people experience buying a home — with speed and a process that's stress-free from start to finish. I make the process smooth so clients never have to put their lives on hold. I work bilingually and partner closely with local realtors.
What we offer
Every borrower arrives with a different set of circumstances. Open any program below for the details.
A benefit built with first-time buyers in mind. FHA financing is more forgiving on both credit and down payment than conventional financing, which makes it a practical path for buyers who are ready to own but haven’t built up a large amount of savings yet.
Conventional financing suits buyers with established credit and steady income. It offers a wide range of terms and structures, which means more say in how the loan is put together and how long you carry mortgage insurance.
A benefit earned through service. VA financing remains one of the strongest loan products available, and I’d consider it a privilege to walk you through it.
When the purchase price runs past conforming loan limits, jumbo financing takes over. These files reward preparation, and that’s where having someone in your corner matters most.
One of the most overlooked programs available. If the property sits in a USDA-eligible area and your income fits the limits, this can be an unusually strong option.
Lower your rate, shorten your term, drop mortgage insurance, or put your equity to work. A refinance only makes sense if the math works — and I’ll tell you plainly when it doesn’t.
Rental property · No income documentation
With a DSCR loan the property qualifies, not you. Approval is based on the rental income the home generates against its payment, so there are no tax returns and no employment verification. Your credit is still reviewed.
Short-term · Asset-based
Asset-based financing for investors who need to move quickly. Underwriting centers on the property and your exit strategy rather than lengthy income documentation. Structures vary quite a bit between lenders, so the fastest way to get real numbers is a conversation.
Buy and remodel
For investors buying a property that needs work. The purchase and the renovation are financed together and underwritten on what the property will be worth once the work is done rather than its condition today. There are also renovation programs for buyers who intend to live in the home, so it’s worth asking either way.
Building a home you’ll live in
Finance the construction of your new home and its permanent mortgage in a single transaction. You underwrite once, sign once, and pay one set of closing costs. When the build is finished the loan converts automatically to your permanent mortgage — no refinance and no second approval.
Investors building to sell
For investors putting up new construction to sell rather than occupy. These loans cover the land and the construction budget, with funds released in stages as the work progresses. I work with several lenders here and their terms differ meaningfully, so the right fit depends on the project.
New construction only. To buy and remodel an existing home, see Rehab under Investor Loans. Subject to credit approval and program guidelines.
Run the numbers
Adjust the figures below to see how the pieces of a monthly payment fit together. For a real quote based on your actual profile, get in touch.
How it works
Five steps from first conversation to keys in hand. You'll know where things stand at every one of them.
STEP 01
We talk through your goals, your timeline and your budget, and go through the different programs together to see which one fits you best. No credit pull, no obligation — just a clear picture of where you stand.
STEP 02
I review your income, assets and credit, then issue a pre-approval letter that makes your offer competitive with sellers.
STEP 03
With your pre-approval in hand, you shop knowing exactly what you can offer. I stay available to you and your agent, and can run numbers on any property before you write.
STEP 04
Your file goes to underwriting. I handle conditions, appraisal coordination and follow-up, and keep you posted throughout.
STEP 05
Final numbers are reviewed with you before signing — no surprises at the table. Then you get the keys.
Testimonial
Verified reviews from my Google Business Profile, shown exactly as they were written. Nothing here is edited or hand-picked.
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Good to know
The questions that come up most. If yours isn't here, just ask.
Less than most people think. Conventional financing can start around 3% down for qualified buyers, FHA around 3.5%, and VA and USDA often require nothing down at all. The right answer depends on your credit, the property and which program fits — which is exactly what a first conversation sorts out.
There's no single cutoff. Different programs have different thresholds, and your score affects pricing as much as approval. If your credit isn't where you'd like it, I can often point to two or three specific moves that lift it before you apply — worth doing, and worth doing early.
They vary by loan amount, location and program, and they cover things like appraisal, title, recording and prepaid taxes and insurance. You'll get a written Loan Estimate itemizing all of it early in the process, and we'll go through it line by line so nothing is a surprise at closing.
A lock protects your rate for a set window while your loan is processed. Whether to lock — and for how long — depends on your closing timeline and what the market is doing. I'll walk you through the tradeoff when the time comes rather than leaving it to you to guess.
Most transactions take 30 to 45 days. I like to work fast, though. Most of the timeline comes down to how quickly documents come back, so when we get everything in order up front and stay organized, I often close in 15 business days or less from the day the contract is signed.
Where I work
Local guidance across Southwest Florida. Pick your city for programs and details specific to it.
Ready when you are
A first conversation costs nothing and doesn’t touch your credit. Even if you’re months away from buying, it’s worth knowing where you stand.
Get in touch
Call, email, or send the form — whichever is easiest. I answer my own phone during business hours.
