Welcome To The One Stop Shop For All Your Home Financing Solutions.
Unlock Your Real Estate Potential with Specialized Mortgage Solutions
About
Your Mortgage Financing Partner
About Me
With eight years of dedicated experience in the mortgage industry, I've built my reputation on providing personalized financing solutions that truly meet my clients' unique needs. As an independent broker with Saxton Mortgage, I have access to over 20 mortgage products, giving me the flexibility to find the perfect loan for your specific situation. My technical background, combined with my experience as a Sales Director for the largest residential assisted living company in the industry, provides me with a unique perspective on both the financial and practical aspects of property investment.
Specialized Expertise
My background includes comprehensive experience with conventional loans and government programs like FHA, alongside specialized expertise in VA loans. Having helped hundreds of veterans secure homeownership through their earned benefits, I understand the nuances of VA financing while maintaining strong capabilities across the full spectrum of traditional mortgage products. I take pride in guiding service members through their unique benefits while offering the same level of expert service to all clients, regardless of loan type.
Investment Property Financing Specialist
Beyond traditional home loans, I specialize in creative financing solutions for real estate investors at all levels. Whether you're:
- Acquiring short-term or long-term rental properties
- Structuring purchases under LLCs for asset protection
- Leveraging existing rental income to qualify for new investments
- Exploring seller financing or other creative acquisition strategies
I have the expertise to guide you through these more complex transactions with confidence and clarity.
Comprehensive Mortgage Solutions
Working with Saxton Mortgage has empowered me to offer over 20 diverse mortgage products to my clients, including:
- Traditional conventional and jumbo financing
- Government-backed loans (FHA, VA)
- DSCR (Debt Service Coverage Ratio) loans for investors
- Second mortgages and home equity solutions
- Portfolio and non-QM loan options
Senior Housing Investment Expertise
My experience as a Sales Director with the industry's leading residential assisted living company gives me specialized insight into senior housing investments. I understand the unique financing challenges these properties present and can help investors navigate this growing and profitable market segment.
My Approach
I believe that mortgage financing should be transparent, straightforward, and tailored to your specific financial goals. When we work together, you'll receive honest guidance, prompt communication, and a commitment to finding the most advantageous loan terms available in today's market.
Let's connect to discuss how I can help you achieve your real estate financing goals, whether you're a first-time homebuyer, a veteran using your VA benefits, or an experienced investor looking to expand your portfolio.
Bilingual: Fluent in English and Spanish
Client Success Stories
We're proud of the trusted relationships we've built with our clients. Take a moment to explore what others are saying about our personalized service and expertise.
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Regulatory Compliance & Verification
As a federally licensed mortgage professional, I'm committed to full transparency. Verify my credentials directly with the NMLS Consumer Access portal:
Click here → 🔒 Xavier Alcala, Mortgage Loan Originator
Click here →🏢 Saxton Mortgage, LLC NMLS ID# 1717191
These links connect to the official NMLS Consumer Access database, the secure federal registry for mortgage professionals. Equal Housing Opportunity 🏠