Unlock Your Dreams with the best Mortgage Solutions

Find the Perfect Mortgage Plan for your residential, Commercial, and construction needs.

We understand that buying a home is one of the most significant investments you'll make in your lifetime. That's why we offer customized mortgage solutions designed to fit your unique financial situation. Whether you're a first-time homebuyer or looking to refinance, our team of experienced lenders is here to guide you every step of the way. Explore our competitive rates and flexible terms to make your dream of homeownership a reality.

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Got questions? We're here to help! Whether it's about mortgage rates, plans, or the process, feel free to ask us anything. We're ready to guide you every step of the way!

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MEET your senior mortgage consultant

Hello, my name is Eduardo Oropeza!

I am a Licensed Mortgage Loan Consultant (NMLS #1530957) with nearly a decade of experience helping clients achieve their financial goals. Throughout my career, I have successfully assisted hundreds of individuals and families in securing the right mortgage solutions tailored to their unique needs. I pride myself on offering personalized, one-on-one service that ensures each client feels confident and informed every step of the way. Let me help you navigate the mortgage process with ease and find the perfect solution for your financial future.

MBA in Finance (University of Miami). Extensive Knowledge of Capital, Bond, Stock and Real Estate Markets.

20 Years of experience in the Real Estate Industry; as a buyer, seller, investor, advisor, and negotiator.

I have worked with some of the Best Mortgage Companies (PRMG, Caliber, Coast2Coast) & Top Producers.

Family and Sports are main priorities. Fun fact (surfing is my passion).

what we offer ?

Effortless Mortgages and a variety products for all your financing needs!

We streamline the mortgage process to make your approval process as smooth as posible. Our experience will allow you to reach your financial goals with confidence, with tailored solutions and expert support.

FHA LOANS
(Federal Housing Administration)

Backed by: The U.S. government
Ideal for: First-time buyers or those with lower credit scores
Credit score requirement: As low as 580 (sometimes lower with a larger down payment)
Down payment: Minimum 3.5%
Mortgage insurance: Required (upfront and monthly), often for the life of the loan
More flexible with income, credit, and past financial issues

Conventional Loans

Guaranteed and Purchased by Fannie Mae or Freddie Mac
Ideal for: Buyers with good credit and stable income
Credit score requirement: Typically 620+
Down payment: Minimum 3%, but 5–20% is more common
Mortgage insurance: Required if putting down less than 20%, but can be removed once you reach 20% equity
Stricter qualification standards, but often lower overall costs over time
Usually used for condominiums

DSCR Loans (Debt Service Coverage Ratio)

No tax returns or W-2s required
Fast Approvals
Perfect for self-employed or portfolio investors
Focuses on property cash flow, not your job history
If the rent covers the mortgage, you’re already halfway there.
No personal income required
Grow your investment portfolio.
Not for primary residence.

Foreign National Loans

Foreign national loans are mortgage loans offered to individuals who are not U.S. citizens or permanent residents
No U.S. credit score needed
Down payment as low as 20%
Minimal documentation
Ideal for vacation homes or investment properties
Loans available in many major U.S. markets

Frequently Asked Questions

What is the difference between a fixed-rate and an adjustable-rate mortgage?

A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions.

How do I know how much I can borrow?

Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount.

What documents do I need to apply for a mortgage?

Typically, you’ll need to provide proof of income, tax returns, bank statements, identification, and information about your debts and assets. Our experts will guide you on the specific documents required for your application.

How long does the mortgage approval process take?

The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from a few days to several weeks. We strive to make the process as quick and efficient as possible.