I work with first time home buyers and investors to secure the best financing options and create smooth, stress-free loan experiences.
How I can help you
Purchasing a house
Navigating the home buying process can be complex, but with expert guidance, it becomes a smooth and rewarding experience. I assist you every step of the way, from pre-approval to closing, ensuring you secure the best loan options and make informed decisions. My goal is to help you achieve your dream of homeownership with confidence and ease.
Refinancing a house
Refinancing your home can be a powerful tool to lower your interest rate, reduce monthly payments, or tap into your home's equity. I work closely with you to evaluate your current mortgage situation and identify the best refinancing options tailored to your financial goals. Whether you're looking to shorten your loan term, consolidate debt, or access cash for renovations, I guide you through the process, ensuring a smooth and beneficial refinance experience.
Credit Guidance
Building and maintaining a strong credit profile is essential for securing favorable loan terms. I offer personalized credit guidance to help you understand your credit report, identify areas for improvement, and implement strategies to boost your credit score. Whether you're preparing to purchase a home or considering refinancing, I work with you to ensure your credit is in optimal shape, making it easier to achieve your financial goals.
Consulting
Buying a home is one of the most significant financial decisions you'll make, and having expert advice can make all the difference. I provide comprehensive home buying consulting services, offering personalized insights into market trends, property evaluations, and negotiation strategies. Whether you're a first-time buyer or an experienced investor, I help you navigate the complexities of the real estate market, ensuring you make informed, confident decisions at every stage of the process.
Loan Programs
Whatever your real estate goals, there's a loan program to support you.
Construction Loans
On a new build – When a builder does not fund the construction of the home themselves, you need a true construction loan – a type of loan specifically designed to finance the construction of a new residential property.
Bank Statement Loans
For self-employed individuals who have difficulty documenting their income with their tax returns. With traditional mortgages, borrowers are required to provide proof of income through tax returns, pay stubs, or W-2 forms.
Conventional Fixed Rate Mortgages
A conventional mortgage is one that’s not guaranteed or insured by the federal government. Instead, they are available through private lenders, such as banks, credit unions, and mortgage companies.
2nd Mortgage / HELOC Loan
Allows you to obtain money from the equity of your house without needing to refinance your current mortgage. It is allowed on Primary homes and investment properties.
Renovation FHA 203(k)
With a 203(k) loan, you can buy or refinance a home that needs work and roll the renovation costs into the mortgage. Because these loans are insured by the Federal Housing Administration, they may offer more lenient qualification requirements than other renovation loans.
Jumbo Loans
A jumbo home loan, also known as a jumbo mortgage, is a type of financing that exceeds the limits set by the Federal Housing Finance Agency. Although they are nonconforming mortgages, jumbo loans still must fall within the guidelines of what the Consumer Financial Protection Bureau considers a “qualified mortgage”.
FHA Mortgage Loans
FHA home loans are insured by the Federal Housing Administration (FHA), and can only be provided by lenders approved by the FHA. This type of mortgage has a fixed term length of either 15 or 30 years. It’s a popular choice among first-time homebuyers in Southwest Florida, as well as buyers with limited savings or lower credit scores.
Reverse Mortgage Loans
A reverse mortgage is a type of loan where the Southwest Florida homeowner withdraws a portion of their equity but doesn’t have to repay the loan until they leave the house.With a reverse mortgage, the lender makes payments to the homeowner. The homeowner gets to choose how to receive these payments and only pays interest on the proceeds received.
Foreign Buyers
Do you live outside the United States but still wouldlike to purchase and invest here? This loan offers you theability to buy even if you don't live in the U.S. We don't use your income, but rather the qualification is based off of the rent-to-mortgage payment.
No US Social Security Number: ITIN
If you don't have a social security number but you are currently living in the U.S. and you would like to buy a house this loan allows you to buy using your ITIN number (Individual TaxpayerIdentification Number).
Why choose Ernesto?
Young and Knowledgeable: I excel as one of the youngest in my field by constantly learning new loan programs to help clients.
Client-Centered Approach: I focus on finding solutions even when others can't, ensuring clients secure a home.
Driven by Personal Experience: As a Cuban immigrant, I'm passionate about making homeownership achievable for everyone.
Commitment to Excellence: I guarantee exceptional service, matching clients with the best loan programs for their needs.
Passionate about Homeownership: I strive to make every home buying experience positive, whether it’s your first or fifth home.
Reliable Support: I ensure a smooth process by providing patient, thorough assistance from start to finish.
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