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Author: Andres

This author has written 12 articles
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Read more about the article How to use gift money for a mortgage down payment

How to use gift money for a mortgage down payment

  • Post author:Andres
  • Post published:September 10, 2021
  • Post category:Uncategorized
  • Post comments:0 Comments

When buying a home, your down payment is most likely the largest upfront expense. A lot of future first-time homebuyers can reasonably afford monthly mortgage payments, however, the initial cost…

Continue ReadingHow to use gift money for a mortgage down payment
Read more about the article Everything You Need to Know About a Home Appraisal

Everything You Need to Know About a Home Appraisal

  • Post author:Andres
  • Post published:July 15, 2021
  • Post category:Mortgage 101/Mortgage Tips
  • Post comments:0 Comments

When applying for a mortgage it is important to understand who and what determine your eligibility. With every loan program there are a set of guidelines that need to be followed. …

Continue ReadingEverything You Need to Know About a Home Appraisal
Read more about the article 5 Questions to ask your loan officer

5 Questions to ask your loan officer

  • Post author:Andres
  • Post published:June 11, 2021
  • Post category:Mortgage Tips/Uncategorized
  • Post comments:0 Comments

According to homes.com buying a new home is one of the most stressful experiences in modern life. Luckily, working with a great loan officer can go a long way in…

Continue Reading5 Questions to ask your loan officer
Read more about the article Understanding Mortgage Closing Costs

Understanding Mortgage Closing Costs

  • Post author:Andres
  • Post published:June 4, 2021
  • Post category:Uncategorized
  • Post comments:1 Comment

When purchasing a new home, the down payment is not all you have to bring to the closing table.  Every transaction will come with closings costs.  These costs get paid…

Continue ReadingUnderstanding Mortgage Closing Costs
Read more about the article Five common mortgage mistakes and how to avoid them
Five common mortgage mistakes and how to avoid them

Five common mortgage mistakes and how to avoid them

  • Post author:Andres
  • Post published:May 21, 2021
  • Post category:Uncategorized
  • Post comments:1 Comment

According to the Consumer Financial Protection Bureau’s 2020 report – 8.9% of conventional and nonconventional mortgage loans were denied in 2019. During the mortgage process there are several do’s and…

Continue ReadingFive common mortgage mistakes and how to avoid them
Read more about the article Real Estate vs. Mortgage Escrow Accounts
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Real Estate vs. Mortgage Escrow Accounts

  • Post author:Andres
  • Post published:May 14, 2021
  • Post category:Uncategorized
  • Post comments:2 Comments

During a real estate transaction there are two types of escrow accounts: a real estate escrow account and a mortgage escrow account. When purchasing a property, you will need to familiarize…

Continue ReadingReal Estate vs. Mortgage Escrow Accounts
Read more about the article Conventional Condo Financing in Florida

Conventional Condo Financing in Florida

  • Post author:Andres
  • Post published:May 4, 2021
  • Post category:Uncategorized
  • Post comments:0 Comments

Florida is a unique geographical area where attached condominium units are scrutinized by investors more than any other state. If you are thinking about buying a condo in Florida and…

Continue ReadingConventional Condo Financing in Florida
Read more about the article The benefits of upfront underwriting for home buyers and sellers

The benefits of upfront underwriting for home buyers and sellers

  • Post author:Andres
  • Post published:April 23, 2021
  • Post category:Mortgage Tips/News
  • Post comments:0 Comments

In today’s housing market, demand is extremely high, and supply is low.  Freddie Mac (the second largest mortgage loan servicer in the country) estimates the US is 4 million homes short of…

Continue ReadingThe benefits of upfront underwriting for home buyers and sellers
Read more about the article Bank Said No? A Non-QM loan might be the solution
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Bank Said No? A Non-QM loan might be the solution

  • Post author:Andres
  • Post published:April 13, 2021
  • Post category:Uncategorized
  • Post comments:1 Comment

What is a Non-QM Loan? Non-QM (or Non-Qualified) mortgage products allow borrowers to qualify for a mortgage using alternative income solutions. These programs typically are designed for self-employed business owners,…

Continue ReadingBank Said No? A Non-QM loan might be the solution
Read more about the article Getting a Mortgage When Your Partner Has Bad Credit
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Getting a Mortgage When Your Partner Has Bad Credit

  • Post author:Andres
  • Post published:March 19, 2021
  • Post category:Mortgage Tips
  • Post comments:1 Comment

Your credit score is one of the most important factors lenders check when reviewing a mortgage application. The higher your scores, the more likely you are to be approved with…

Continue ReadingGetting a Mortgage When Your Partner Has Bad Credit
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As CEO of Lendz Financial, Cesar is responsible for providing leadership, creating company policies , strategy , developing and implementing operational policies as well as the companies strategic plan. For the past decade, Cesar has been responsible for the launch of several entities in various sectors like, hospitality, financial services, real estate development, construction, transport & logistic. Cesar Jr is fully bilingual, passionate and committed to contributing to excellence in businesses, has extensive knowledge of company start ups and very good business relationship.