We constantly work on delivering the very best loan products and services to our Clients. We will walk you through every step of the loan application and approval process from answering questions, to closing your loan quickly.
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Why should you get qualified before buying?
What’s the process?
The Mortgage Process on Buying a Home
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We connect our clients with the best in the business. Click the link below to get pre-qualified with one of our preferred lenders.
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We Reward Money-Saving Real Estate Program for Home Buyers….
We Refinance our Clients as Rates change quickly and...
Credit is a Financial Instrument used to Help Clients…
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We have financial programs from First and Second Mortgage, to Reverse Mortgage and Home Equity Lines of Credit. Before you shop, give us a call. Permit us to counsel you and give you a quote. Initial visits for consultation are free of charge. Minimum Mortgage Amount for Residential Loans is $70,000.00 & Commercial Loans is $500,000.00.
Conventional Loan Programs:
Fixed-rate mortgages are characterized by amount of loan, interest rate, compounding frequency, and duration. With these values, the monthly repayments can be calculated.
MDEAT: Miami Dade Advocacy Trust provides Down Payment assistance for the purchase of a new home. The program is based on Household Income, members in the household and the area where they are purchasing has to be moderate to low income. Pending on qualifying factors, the second can be up to $7,500 for which no re-payment is needed provided the borrowers live the property for at least ten (10) years. Home Ownership instruction required.
PHCP: Public Housing Community Development (SHIP) This is a program implemented by Miami-Dade County designed to enhance housing opportunities for low to moderate Income, individuals and families who are legal residents of Miami-Dade County. Down Payment can be as low as 1%, Homebuyer Education and Counseling a program requirement, Debt to Income ratios cannot exceed 45%, Maximum subsidy under this program is $80,000, rates range from 3%-6% dependent on Income level, Maximum monthly payment of $100 which is applied towards principal. This is valid for the first five (5) years, years 6-30 are fully amortized. Maximum Purchase price for the affordable Housing Program cannot exceed $205,000. Subject to qualifications.
NON-QM (Qualified Mortgage) Loans:
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See What Our Clients Say
Carmen Caicedo & Igor Benavente
Our experience with Victor Barroso Jr. in one word “grateful”. Victor was honest, attentive, and beyond knowledgeable. Now a ...days trusting someone is unheard of, but not with Victor. He was so helpful day, evening, and weekends. Thank you so much Victor!
Karla Roxanna Aleman
When I first met Victor Barroso, he explained that his job is more service than sales. He proved that time and ... again with his thorough knowledge of local market and every time we viewed a new property Victor would perform a methodical inspection, looking for signs of problems. In short, he was always on my side working to make my house purchase as simple and successful as possible. The best part about working with Victor was that he was always more focused on giving me good advice, and finding homes that met my needs than he was on closing a deal, he was working with me almost a year and when I thought there was no hope and I would not find a house, he always gave me courage to move on. In the end I found the property that was perfect for me and I loving it so far. I would recommend him to anyone.
Victor Barroso is an amazing person! He is very professional, knowledgeable in advertising and promoting your property. ... Extremely motivated and dedicated. He has successfully sold two properties for us in less than 2 weeks! We will definitely use him again, and highly recommend him.