• 8+ Years Experience • 100+ Loan Products • Bilingual Service
A Mortgage Advisor Who Treats Your Home Like It’s His Own.
Personal refinance guidance, honest answers, and a commitment to doing what’s right for you.
Hablo español
What Makes Working Together Different
A partnership built on trust, transparency, and your success
Transparent Guidance
So you feel confident, not pressured.
No hidden fees. No confusing jargon. No sales tactics. You’ll get clear, honest guidance based on your situation, with every option explained in plain language—so you can make decisions with confidence, not second-guessing.
Access That Actually Works
So you’re never left waiting or guessing.
Questions don’t wait—and neither should you. You’ll get prompt responses, straightforward answers, and consistent communication when timing matters most. No voicemail loops. No unnecessary delays. Just clarity when you need it.
50+ Solutions, One Goal
So you get the best terms available.
As an independent broker with access to over 50 mortgage solutions, I’m not limited to one lender. That means I can compare options across multiple institutions to find terms that truly fit your needs—not a one-size-fits-all product.
This is what working together looks like from day one.
Licensed. Experienced. Trusted.
Clear credentials, real experience, and accountability you can verify
Licensed Mortgage Professional
I’m a licensed mortgage loan originator regulated at both the state and federal level. Every loan I originate follows strict compliance standards, documentation requirements, and consumer protection laws.
My licensing history and professional standing are publicly available and independently verifiable at any time. This ensures transparency, accountability, and consistency throughout the entire process.
When you work with me, you’re working with a professional held to clear regulatory standards and committed to accuracy, clarity, and responsible guidance.
1700588
NMLS ID
EN / ES
Bilingual Service
Expertise Across Every Type of Mortgage Goal
Your trusted partner with $500M+ in funded volume. Specialized solutions tailored to your unique financial situation.
Refinancing & Cash-Out
Lower your rate, reduce monthly payments, or access your home’s equity strategically — often with better terms than most retail lenders.
Second Mortgages & HELOCs
Access your home’s equity without disrupting your primary mortgage, using flexible structures designed around your long-term goals.
Conventional & Jumbo Loans
Competitive financing for primary homes and high-value properties, structured with care — not rushed approvals or one-size-fits-all terms.
Real Estate Investors
Financing for single rentals and multi-property portfolios, including DSCR loans, LLC structuring, and scalable strategies.
First-Time Homebuyers
Patient, step-by-step guidance through your first purchase, with clear expectations and no unnecessary pressure.
VA Loans (Specialty)
Helping veterans leverage earned benefits, including zero-down options and competitive rates that recognize your service.
FHA Loans
Flexible qualification guidelines and lower down payment options designed to make homeownership more accessible.
Non-QM & Portfolio Loans
Solutions for self-employed borrowers and unique financial situations that don’t fit traditional lending boxes.
How I Help You Succeed
A structured, transparent process designed to keep you informed and confident at every step
Deep-Dive Discovery
We start with your goals, not my products. I take time to understand where you are financially, where you want to go, and what concerns keep you up at night.
Strategic Solutions
I analyze your unique situation against 50+ loan products to find the perfect fit—whether that's conventional, VA, FHA, DSCR for investors, or creative financing structures.
Clear Explanation
No mortgage-speak. I break down your options in plain English (or Spanish), showing you exactly what each path means for your monthly payment, long-term wealth, and financial flexibility.
Expert Navigation
I handle the complexity while keeping you informed. From application to underwriting to closing, you'll know what's happening and why.
Ongoing Partnership
My commitment doesn't end at closing. Have questions about refinancing? Want to discuss investment property #2? I'm here as your long-term financial ally.
★★★★★
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.
Your feedback fuels our commitment to excellence. If we've helped you achieve your real estate goals, we'd be honored if you'd share your experience.
Common Questions I Answer Daily
Clear answers to help you understand your mortgage options
Your affordability depends on multiple factors: income, debts, credit score, down payment, and the loan type. I'll help you understand your true buying power and ensure your monthly payment aligns with your lifestyle and long-term goals—not just what lenders say you qualify for.
Start with a free consultation where we'll review your financial situation, discuss your goals, and get you pre-approved. Pre-approval gives you clarity on your budget and makes you a stronger buyer when you find the right home. I'll guide you through every step with patience and clear explanations.
VA loans are one of the best benefits for veterans and active military. You can buy with $0 down, no PMI (mortgage insurance), and typically get better rates. I've helped hundreds of veterans navigate their benefits and will ensure you understand every advantage available to you.
It depends on your situation, goals, and risk tolerance. LLCs offer liability protection but affect how you qualify for loans. I'll walk you through the pros and cons based on your specific investment strategy and help you structure your purchase optimally.
Minimum scores vary by loan type (580 for FHA, 620+ for conventional, no minimum for some VA loans), but higher scores get better rates. Even if your credit needs work, I can help you understand your options and create a plan to improve your position.
As an independent broker with access to 50+ loan products from multiple lenders, I can shop your scenario across the market. I'll show you competitive options and explain exactly what affects your rate—credit score, down payment, loan type, and current market conditions.
FHA loans allow lower down payments (3.5%) and more flexible credit requirements, but require mortgage insurance. Conventional loans typically need higher credit scores and larger down payments but may have lower total costs long-term. I'll help you determine which makes more financial sense for your situation.
While most investment properties require 15-25% down, there are creative strategies: house hacking with FHA (live in one unit, rent others), seller financing, HELOC from existing property, or partnership structures. Let's discuss your specific situation and explore your options.
Get clarity on your mortgage options — without pressure or guesswork.
Ready to Take the Next Step?
Whether you have a quick question or you're ready to start your application, I'm here. No pressure, just helpful conversation about your options.
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Hablo español con fluidez
Llámame si prefieres hablar en español sobre tus opciones de financiamiento
XA Financial Services
Your trusted partner for personalized mortgage solutions. Eight years of experience helping clients achieve their real estate goals.
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