Buy A Home with Confidence
Move into your dream home confidently, supported
by my expert guidance every step of the way.
About Me
My name is Alex Montalvo, I’m a highly experienced mortgage lender with an impressive track record of success in the industry. With 3.5 years of dedicated service, I’m recognized for my utmost professionalism and exceptional communication skills. As a closer, I possess a remarkable ability to navigate complex financial transactions with ease, ensuring a smooth and efficient process for my clients. Working with a reputable brokerage, I bring a wealth of knowledge and expertise to the table, consistently delivering results that exceed expectations. Putting the client first is my guiding principle, and I takes great pride in helping numerous families achieve their mortgage goals. With access to competitive rates, I ensure that my clients secure the best possible financing options tailored to their unique needs. Trustworthy, reliable, and solution-oriented, I’m a mortgage lender you can count on for a seamless and rewarding home financing experience.
# WHAT YOU EXPECT
What I Have To Offer You
Conventional Home Loan
A Conventional Home Loan is a non-government-backed mortgage favored by borrowers with good credit, offering flexible terms and the potential to cancel private mortgage insurance once equity is established.
FHA LOAN
An FHA loan is a mortgage insured by the Federal Housing Administration, designed to help first-time homebuyers and those with lower credit scores. It offers low down payments (as low as 3.5%) and flexible credit requirements, but requires borrowers to pay mortgage insurance premiums. This loan aims to make homeownership more accessible.
Down Payment Assistance
A Down Payment Assistance loan helps homebuyers cover their down payment and sometimes closing costs. These loans, often interest-free or forgivable, are provided by government agencies, non-profits, or housing authorities, mainly for low- to moderate-income buyers. Terms and eligibility vary by program.
Non- Qm Loan
A Non-QM (Non-Qualified Mortgage) loan offers flexible lending standards for income verification, credit scores, and debt-to-income ratios, catering to borrowers who don't meet traditional mortgage criteria like self-employed individuals. These loans, however, usually have higher interest rates and carry more risk for both borrower and lender.
# HomeLoanCommitment
I'm Fully Dedicated To Supporting You
My commitment is unwavering through the entire home loan process, providing expert guidance and personalized solutions to secure your dream home!
Commitment
Support
Guidance
FAQ
What is a home loan?
A home loan, or mortgage, is a sum of money borrowed from a financial institution to purchase a house, with the property itself serving as collateral for the loan.
How do I qualify for a home loan?
Qualification for a home loan typically depends on your credit score, income stability, debt-to-income ratio, employment history, and the value of the property you intend to purchase.
What is the difference between fixed-rate and adjustable-rate mortgages?
A fixed-rate mortgage has a constant interest rate and monthly payments that never change, while an adjustable-rate mortgage (ARM) has a rate that may fluctuate, affecting your monthly payment.
Can I refinance my home loan in the future?
Yes, you can refinance your home loan to potentially lower your interest rate, reduce your monthly payments, or tap into your home's equity for large expenses.
What are the closing costs on a home loan?
Closing costs are the fees and expenses you pay to finalize your mortgage, which can include appraisal fees, title insurance, taxes, and lender fees, typically ranging from 2% to 5% of the loan amount.
Red Carpet Experience
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