FHA loans
A flexible option often considered by first-time buyers and borrowers looking for a lower down payment path.
FHA · Conventional · Non-QM
A clear path to the place you call home.
Personal mortgage guidance from the first question through closing. I help you compare your options and move forward with confidence.
Reinier Gonzalez · NMLS #2399025
Loan options
Financing shaped around your situation.
There is no single mortgage for every borrower. We will look at the full picture and identify options that fit your plans.
Conventional loans
A widely used financing option with a range of down payment choices and terms for qualified borrowers.
Non-QM loans
Alternative documentation options for self-employed borrowers, investors, and other unique financial profiles.
Loan approval, terms, and availability are subject to borrower and property qualifications.
Quick eligibility check
See which path may fit — in under a minute.
Answer four quick questions and get an instant, no-obligation sense of which loan programs may be worth exploring. No personal details, no credit check.
Question 1 of 4
What is the main purpose of your loan?
This quiz is an informal guide only. It is not a pre-qualification, pre-approval, or commitment to lend, and it does not affect your credit. All loans are subject to credit approval and program guidelines.
Payment calculator
Estimate your monthly payment.
Try different prices, down payments, and terms to see how the numbers change before you apply.
Estimated monthly principal & interest
$2,023
on a loan of $320,000
This estimate covers principal and interest only. It does not include property taxes, homeowners insurance, mortgage insurance, or association dues, and it is not a rate quote, an offer, or a commitment to lend. Your actual rate and payment depend on your credit, property, and program. Contact me for figures specific to your situation.
Today’s market rates
Where the market is — updated daily.
National averages from Mortgage News Daily, refreshed every business day. These are market averages, not my quote and not the rate available to you.
See my published ratesDaily national average rates are published by Mortgage News Daily and updated every business afternoon.
View today’s national averagesThese figures are national averages published by a third party. They are not a quote, not an offer of credit, and not the rate available to you. Your rate depends on your credit, income, property, loan program, and current market pricing. Call for an actual quote.
Your mortgage journey
One guide. Four clear steps.
You will always know where things stand, what comes next, and who to call.
- 01
Start with a conversation
We discuss your goals, timeline, income, and questions without pressure.
- 02
Review your options
I explain suitable programs and trade-offs in clear, straightforward language.
- 03
Prepare with confidence
We organize the required information and keep your loan moving forward.
- 04
Navigate to closing
You receive consistent updates and guidance through the final steps.
Why work with Reinier
Mortgage guidance should feel personal.
One point of contact
Work directly with me from your initial questions through closing.
Clear explanations
Understand the choices and trade-offs before you make a decision.
Options for real life
Explore traditional and alternative programs for different financial profiles.
Consistent communication
Stay informed as your application moves through each stage.
Common questions
Helpful answers, before you begin.
When should I speak with a loan officer?
Ideally, before you begin making offers. An early conversation can clarify your budget, available programs, and next steps.
Which loan program is right for me?
That depends on your goals, credit profile, income, property, and available funds. We will compare the relevant options together.
Can self-employed borrowers qualify?
Yes. Conventional and Non-QM programs may provide different ways to document income depending on your circumstances.
Does a conversation commit me to a loan?
No. Your first conversation is an opportunity to ask questions and understand possible paths before making a decision.
Start your application
Tell me about your goals.
Share a few details and I will follow up personally to discuss your options. Prefer to talk first? Call 561-506-8222.
Ready when you are
Let’s talk about your next move.
Call or email to start a no-pressure conversation about your mortgage options.