Fixed Rate
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
LOAN PROGRAMS
Which Mortgage is Right for You?
There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we're here to help you choose the best type of home loan for your needs.
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Mortgage Rate Options
Adjustable ARM
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions.
Interest Only
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principal, for a specific period.
Graduated Payments
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and then plateau.
Loan Program Options
Conventional Loans
A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those with good credit and steady income.
FHA Home Loans
FHA home loans are mortgages insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment.
Jumbo Loans
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $766,550 in most areas.
Spec Construction for Builders and Contractors
A loan for spec construction refers to a single-family residence developed by a real estate investor to be sold for profit. Investors purchase an empty lot and build from scratch.
Fix & Flip
A fix and flip loan provides investors with funds to purchase a distressed or undervalued property, make improvements and sell for a profit within a short period.
One-Time Close Construction
Empowered By Nexa means you have options: 0% Down VA Construction, 3.5% Down FHA Construction, or 5% Down Conventional Fixed for Owner Occupied Homes.
Renovation Loans
A Home Renovation Loan offers borrowers an affordable loan to finance homes that need repair. We offer FHA 203K, Fannie Mae HomeStyle, and Freddie Mac Choice Renovation Loans.
Investment Property Loans
Investment Property Loans are designed to purchase investment properties either in an investor's name, or as a separate legal entity such as an LLC. DSCR options available.
All-In-One Loans
The Smarter Way To Borrow. The All-In-One Loan is designed to pay off your home significantly faster than a traditional mortgage and save you thousands in interest.
Buy Now Sell Later
The Buy Now Sell Later program eliminates the "Pending Sale" contingency by allowing you to tap into your current home's equity before you sell.
Bank Statement Loans
The Bank Statement program is a loan created for self-employed borrowers who can't qualify for a conventional loan due to tax write-offs that don't show their true income.
Reverse Mortgage
Reverse Mortgage Loans are for borrowers 62 or older looking to unlock the equity in their home to eliminate monthly principal and interest payments.
30+
Years of Experience
1995
Since
100%
Commitment
ABOUT ME
David Diaz – Mortgage Specialist | 30+ Years of Lending Experience
With more than three decades in the mortgage industry since 1995, David Diaz has established himself as an expert in loan structuring, recognized for his consistency, judgment, and ability to take transactions all the way to closing.
In an environment where many transactions fall apart due to a lack of strategy or execution, David stands out by finding viable solutions even in complex scenarios. His experience covers a wide range of mortgage programs, including first-time buyers, investors, self-employed borrowers, and clients with non-traditional financial profiles.
His approach is clear and results-oriented: precise analysis, the right structure, and effective execution to achieve real approvals.
Through a strong network of lenders and deep market knowledge, David delivers a tangible advantage for both real estate agents and buyers.
For Realtors, he is a strategic ally who strengthens negotiation, reduces process risks, and increases the rate of successful closings. For buyers, he is a trusted guide who simplifies the mortgage process and turns uncertainty into clarity.
Experience, judgment, and execution. The combination that turns complex scenarios into successful closings.
NATIONWIDE COVERAGE
Licensed in All 50 States
Wherever you call home, we've got you covered. Our team is licensed to serve borrowers across the entire United States, from coast to coast.
50
States Served
100%
U.S. Coverage
24/7
Support Available
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We're Recruiting Loan Officers
Join a team that empowers Loan Officers to thrive. Competitive compensation, cutting-edge tech, full marketing support, and access to the broadest set of loan programs in the industry.
- Top-tier commission splits
- Full back-office and processing support
- 100+ lender partnerships and loan programs
- Modern CRM, marketing tools and training