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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Move the sliders to see how price, down payment, rate, and term affect your loan.
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
Mario structures conventional files to maximize pricing — running side-by-side scenarios across LTV breakpoints so you don't overpay a single basis point.
FHA
Government-backed loans with low down payments.
- 3.5% down with 580+ credit
- Lenient guidelines
- Gift funds allowed
Mario knows the FHA overlays cold — credit, DTI, manual underwrites. He gets approvals where automated systems quietly say no.
VA
For active-duty, veterans, and eligible spouses.
- 0% down payment
- No PMI required
- Competitive fixed rates
Veterans deserve white-glove service. Mario walks you through COE, entitlement, funding fee waivers, and the full VA playbook — start to keys.
USDA
Zero-down financing in eligible rural and suburban areas.
- 100% financing
- Low monthly MI
- Income limits apply
Mario maps the eligibility zones, runs income matrices, and unlocks zero-down where most loan officers don't even think to look.
Jumbo
Financing above conforming limits for premium properties.
- Loans up to $3M+
- Fixed and ARM options
- Tailored underwriting
High-net-worth files demand discretion and precision. Mario assembles jumbo packages investors love — and negotiates pricing line by line.
Refinance
Lower your rate, change your term, or tap equity.
- Rate & term refinance
- Cash-out refinance
- Streamline options
Mario runs the break-even math honestly — and tells you when refinancing isn't worth it. That's why his clients come back, and send friends.
HELOC
Flexible credit line secured by your home's equity.
- Draw what you need
- Interest-only options
- Renovations or debt
Mario pairs HELOCs with smart payoff strategies — turning equity into a tool you control instead of a bill that controls you.
First-Time Buyer
Programs designed to make your first home attainable.
- Down payment assistance
- Education & guidance
- Low-down options
Your first home is a big moment. Mario walks you through every form, every term, every closing line — patient, clear, never rushed.
Ready when you are.
Securely apply online in minutes, or reach out and I'll walk you through your options.