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.
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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