Call Carlos: 949-278-0518

Pre-Qualify With Carlos

Our introductory phone call takes just 10-30 minutes and doesn't require a credit check or any documents. During the call, we can run numbers based on the price range you have in mind to give you a rough idea of your home loan options.

We can answer important questions about your monthly payment, property taxes, homeowners insurance, HOA dues, special assessments, down payment requirements, PMI, closing costs, and whatever else you'd like to talk about. This call is an opportunity to get you the answers you need to determine if you're ready to get pre-approved.

Whether you're a first-time homebuyer or a seasoned homeowner, we're here to help you navigate the mortgage process and we'll find the right loan for your needs. Don't hesitate to schedule a call with us if you have any questions or would like to discuss your scenario further: 949-278-0518

Pre-Approval With Carlos

As a real estate and mortgage expert, I couldn't agree more with the importance of obtaining a pre-approval before making an offer on any home. A pre-approval involves a comprehensive review of your financials and creditworthiness, including an assessment through an automated underwriting system such as DU or LP, to ensure that you qualify for the loan amount you'll need.

If you're planning to purchase a home and require a loan from a lender, then a pre-approval is a must. It gives you an exact understanding of your budget and purchasing power per today's underwriting guidelines, allowing you to make offers on homes confidently. 

To initiate the pre-approval process, speak with Carlos first and then send us the "List of Items to Gather" referenced below. We will review your financials, credit history, and guide you through the next steps.

I am here to answer any questions you may have and to help you secure the pre-approval you need to make your home-buying process as smooth and successful as possible.

Refi With Carlos

If you're considering refinancing your home, Carlos is the expert you need. With his expertise and guidance, Carlos can complete your refinance within 9-18 days. He will advise and consult with you on how to choose the best rate and payment based on your unique needs.

At our company, we only fund loans that bring benefit to you. Carlos will take the time to understand your long-term plans and financial goals, so he can set you up for lasting success. We can run the numbers and discuss different refinancing options to find the best solution for your situation.

Whether you're looking to reduce your monthly payment, shorten the term of your loan, or access your home's equity, Carlos can help. Give him a call: 949-278-0518

Combo With Carlos

Whether you're a home buyer, seller, or homeowner, I'm here to help. With my expertise and experience, I can provide a comprehensive range of services to ensure that you achieve your goals and receive the maximum benefit.

If you're considering selling your current home, buying a new one, and qualifying for a new mortgage, I'm the expert you need. Don't hesitate to reach out. Don’t overthink it. It’s one phone call you’ll be happy to have made: 949-278-0518

I can answer all your questions and will provide expert guidance and advice that will leave you feeling confident and empowered.

Here's the List of Items to Gather

Below are the items you'll need to gather once ready to get Pre-Approved for a Purchase Loan or Refinance Loan.

Call Carlos if any questions: 949-278-0518


Purchase Pre-Approval

☐ Copy of Driver’s License

☐ 3 Most Recent Paystubs

☐ 2 Years W2’s – 2023 and 2022

☐ 2 Months Bank Statements – all pages

☐ 15 Minute Conversation with Carlos



☐ Copy of Driver’s License

☐ Copy of Mortgage Statement

☐ Copy of Home Insurance Premium Page

☐ 1 Months’ Paystubs

☐ W2’s for 2023 and 2022