Why with Us
Rate Optimization
Discover how we help you secure the best rates for your home financing needs.
Terms Customization
Explora nuestro enfoque para adaptar los términos del préstamo a tu trayectoria financiera única.
Educational Support
Learn how we simplify the mortgage process through transparent and educational support.
Customer-Centered Process
Experience our customer-centric approach to efficient and hassle-free mortgage management.
Types of Loans
Fixed Rate
Explora la estabilidad de las hipotecas a tasa fija para pagos mensuales predecibles.
FHA Loans
VA Loans
Adjustable Rate
Discover adjustable rate options for flexibility in mortgage loan financing.
Conventional Loans
USDA Loans
Backed by the Government
Discover government-backed loan programs designed to support a variety of home buying needs.
ITIN Loans
Bank Stmnt. Loans
FHA LOAN
Basic requirements
Minimum loan amount: from 580 (with 3.5% down payment)
Down payment: 3.5% of the house price
Employment/income: verifiable (W-2, 1099, self-employed)
Debt-to-income ratio: flexible compared to conventional loans
Mortgage insurance (MIP): mandatory
Benefits
Ideal if you're not very addicted
More flexible credit
Competitive rates
Allows gifts for recruitment
Considerations
FHA insurance (MIP) can last for the entire life of the loan
The property must meet minimum condition standards
Who is it ideal for?
First-time buyers
People with limited credit or in recovery
Families seeking low down payment
VA LOAN
Basic requirements
Military eligibility
Veteran
Active member
Reservist or National Guard
You must have a Certificate of Eligibility (COE).
Credit
There is no official VA minimum.
Most lenders ask for 580–620+ (depending on the case).
Verifiable income
Stable employment or verifiable income
We analyze whether the payment is reasonable according to your finances (residual income).
Use of property
It must be your primary residence.
Not applicable to pure investment.
Hitch
0% down payment in most cases
A down payment may be required if the price exceeds certain limits or in specific situations.
Debt vs. Income (DTI)
Recommended up to 41%, but may be approved higher with a good profile.
Property condition
The house must meet VA minimum habitability requirements.
Key Benefits of a VA Loan
Without PMI (mortgage insurance)
Competitive interest rates
0% down payment (in many cases)
More flexible guidelines
CONVENTIONAL LOAN
CONVENTIONAL LOANS
A conventional loan is a mortgage not insured by the government. It follows Fannie Mae and Freddie Mac guidelines and is typically ideal for buyers with good credit looking for lower long-term costs.
Basic requirements
Minimum credit: from 620
Down payment: from 3% (first-time buyers)
Income: W-2, 1099 or self-employed
Debt-to-income ratio: stricter than FHA
PMI: required only if the down payment is less than 20%
Benefits
Without permanent mortgage insurance (PMI is eliminated upon reaching 20% equity)
Lower total cost in the long run
More options for second homes and investment
Fewer property condition requirements
Considerations
Requires better credit than FHA
Sometimes the monthly payment may be higher at the beginning
Who is it ideal for?
Buyers with solid credit
People with stable incomes
Those who want to eliminate the PMI in the future
USDA LOAN
The USDA loan is a program supported by the United States Department of Agriculture designed to help low- to moderate-income families buy a home in rural or semi-rural areas, without a down payment.
Basic requirements
Down payment: $0 (0%)
Minimum credit: from 640 (may vary)
Revenues: must be within the area limits
Employment: W-2, 1099 or self-employed (depending on the case)
Property: Must be in a USDA eligible area
Use: primary residence
Benefits
No hook-up required
Highly competitive interest rates
Lower mortgage insurance than FHA
Ideal for first-time buyers
Considerations
Entry limits (not everyone qualifies)
Not applicable to investment houses
Specific rules regarding location
ITIN LOAN
An ITIN loan is a mortgage program for people who don't have a Social Security number but do have an ITIN issued by the Internal Revenue Service. It allows them to legally and securely purchase a home in the United States.
Basic requirements
Valid ITIN
Credit: alternative or traditional credit history (depending on the program)
Down payment: generally from 15%–20%
Income: W-2, 1099 or self-employed
Tax return: typically 1 year with ITIN
Bank account: verifiable
Benefits
Social Security is not required
Allows primary residence
It helps build wealth and stability
Who is it ideal for?
People with an ITIN
Families without a Social Security Number who want to buy their own home
W-2, 1099 workers or business owners
BANK STATEMENT LOAN
The Bank Statement Loan is a loan designed for self-employed, 1099, or business owners who do not qualify with traditional taxes, but do show strong income on their bank statements.
Basic requirements
Account statements: 12 or 24 months (personal or business)
Minimum credit: generally 620–660 (depending on the program)
Down payment: from 10%–20%
Income: is calculated using bank deposits, not taxes
Property type: primary residence, second home, or investment (depending on the program)
Benefits
It does not require a W-2 or tax returns
Ideal for those who list a lot of expenses on their tax returns
More flexibility for entrepreneurs
A viable option when "paper" income is low
Considerations
Rates slightly higher than a conventional loan
It requires a detailed analysis of deposits.
Not all banks offer it
Who is it ideal for?
Business owners
1099 people
Self-employed with solid bank income
Customers rejected for traditional loans
