Your home. Your numbers. Your
Personal, straightforward home financing. From first-time buyers to refinances, I help you understand the numbers and choose with confidence.
Why 1% Interest Rate Could Save You a Ton
Even a single percentage point reshapes a 30-year mortgage. Here's what a 1% drop looks like on three common loan amounts — monthly and over the life of the loan.
Examples assume a 30-year fixed-rate loan, principal & interest only. Figures are illustrative and do not include taxes, insurance, PMI, or HOA. Actual rates depend on credit, loan-to-value, property type, and program. Not a commitment to lend.
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A loan for every chapter
Hover or tap any card to see why borrowers trust Mario with this loan type.
Conventional
Flexible terms for borrowers with strong credit.
- As little as 3% down
- Fixed or adjustable rates
- No upfront MI with 20% down
FHA
Government-backed loans with low down payments.
- 3.5% down with 580+ credit
- Lenient guidelines
- Gift funds allowed
VA
For active-duty, veterans, and eligible spouses.
- 0% down payment
- No PMI required
- Competitive fixed rates
USDA
Zero-down financing in eligible rural and suburban areas.
- 100% financing
- Low monthly MI
- Income limits apply
Jumbo
Financing above conforming limits for premium properties.
- Loans up to $3M+
- Fixed and ARM options
- Tailored underwriting
Refinance
Lower your rate, change your term, or tap equity.
- Rate & term refinance
- Cash-out refinance
- Streamline options
HELOC
Flexible credit line secured by your home's equity.
- Draw what you need
- Interest-only options
- Renovations or debt
First-Time Buyer
Programs designed to make your first home attainable.
- Down payment assistance
- Education & guidance
- Low-down options
Ready when you are.
Securely apply online in minutes, or reach out and I'll walk you through your options.
