I am an experienced mortgage veteran with over 17 years of experience in the mortgage business. I have helped thousands of families buy their first, second and third homes. . I am extremely well versed in FHA, Conventional, VA and Jumbo Loans. With a background in Education and Finance from Southwest Texas State University, I have the ability to take a spirited consultative educational approach to finding the best financing solution for each individual.
Born and raised in San Antonio, Texas I am a proud local native. I became fluent in Spanish by attending an all-male high school seminary with foreign nationalities. Furthermore, I am the proud Father to two boys, Diego, a sailor in the US Navy and Marcelo, a Junior at Taft. As a single parent of two rambunctious boys, I understand the need to be flexible, patient and understanding.
In my spare time, as a licensed fishing guide, I serve South Texas Anglers on fishing excursions at local lakes and the coastal waters of the Gulf of Mexico. When my boys were younger I spent many years coaching their youth football league.
Whether its business or personal, I am passionate about serving and assisting others and strive to develop deep-rooted relationships. My core values are simple – be good to people, be passionate in all you do, and deliver value!
As your Mortgage Broker, I’ll guide you through the loan process, educate you on terms and conditions, and help to ensure your goals, budget, and needs are being met.
Your goals are my goals – whether you’re a first-time home buyer, looking to trade up, deciding to downsize, or simply wishing for a change – I’m here to assist!
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154