I am Víctor
My team and I are committed to my clients in providing the highest quality service combined with offering the most competitive rates available in your area. My approach is deeply personal. I believe that your mortgage should be as unique as your home, meticulously crafted to fit your individual needs. Home buying, often a monumental milestone, should be as joyful as it is significant.
That's why I'm here to streamline the process, making it as smooth and stress-free as possible. I am also dedicated to making one of the biggest purchases in your life an easy and seamless experience. I prioritize communicating efficiently and provide great customer service to better serve my clients’ best interest.
My ultimate goal is to create lasting relationships with each of my clients to continue providing excellent service for many years to come.
At Sociable Mortgage, we take pride in our local roots. All aspects of your loan are managed locally, ensuring a better, faster service that's finely tuned to the nuances of our community. With us, you're guaranteed a personalized experience. You'll never be just another number lost in an automated phone system.
Ready to embark on this journey? I invite you to give me a call, or explore the app to apply for free. Together, let's pave the way to your new home. I'm excited to build a partnership that will last for years to come. Let's make your home ownership dream a vibrant reality.
Services Offered
Buy a new home
As your dedicated lending broker, we’ll secure your best investment value. Trust us with paperwork and legalities, while you focus on envisioning your dream home. We’ve got your home financing covered for this exciting journey.
Refinance my loan
Discover how refinancing can help you save money, shorten your loan term, or obtain a new loan. Find out how it aligns with your financial goals and provides opportunities for improving your financial situation.
First-time homebuyer
The good thing about being a first-time homebuyer is the opportunity to step into the realm of homeownership, establishing a place to call your own and building equity for the future.
Buy a 2nd Home
If you choose an attractive location for your second home, such as a popular tourist area, you can take advantage of the growing demand for vacation rentals. Tourism can provide a steady flow of visitors interested in staying at your property, resulting in increased income for you.
Home is not just a place to live, but a place to feel safe, loved, and happy.
Financial products, just for you!
Disclaimer
* Your results will vary and may not be the typical.
** As a result of refinancing, your total finance charges may be higher over the life of the loan.
*** Including closing costs or financing loan fees your total finance charges may be higher over the life of the loan.
**** Reduction in payments may reflect longer loan terms and higher interest charges over the life of the loan.
***** Applicant should not assume that any debt will be eliminated by refinancing since the debts are consolidated into a new loan.
Victor's Signature Process
-
Personalized Consultation
We start with a personalized consultation to craft a mortgage that fits your unique needs -
Streamlined Process
Our commitment is to make the home buying process smooth and stress-free, guiding you from application to closing. -
Local Management
With local roots, we manage all aspects of your loan locally, ensuring a faster, community-focused service. -
Efficient Communication
Clear and efficient communication is our priority, backed by excellent customer service throughout. -
Building Lasting Relationships
Beyond a transaction, we aim to build lasting relationships, providing excellent service for years to come. Let's make your home ownership dream a reality together.
Let me call you
My team or myself will contact you to offer you personalized advice. This way, you will be able to make informed decisions about the services you are interested in, without any commitment.
Frequently Asked Questions
Do I need to get prequalified for a mortgage?
There are a couple of reasons to get prequalified for a mortgage. First, you’ll find out how much you can comfortably afford, which can help when looking for homes. Second, before sending an offer, most listing agents ask for preapproval attached to the offer.
What’s the difference between a mortgage broker and a direct lender?
A broker is a third-party, licensed professional who acts as a go-between for the lender and the customer. The lender works a bit like a travel agent in that they handle the paperwork and lender shopping. A direct lender is a bank or private company that issues loans directly to the customer.
How long are you pre-approved for, and what is conditional approval?
Most pre-approval letters are valid for at least 60 to 90 days. You can extend the length of the pre-approval by updating documents or speaking with your lender. Conditional approval means that you are pre-approved for a loan so long as you meet specific criteria, which may involve paying off an outstanding debt or fixing something on your credit report.
Do I need excellent credit to get a mortgage?
You don’t need perfect credit, but your credit score and credit history should be as clean as possible to qualify for the lowest rates. Some lenders will offer you a loan with a score as low as 580. However, the interest rates will likely be very high, and not all lenders are willing to go that low.
What might hold up approval of my loan?
Surprisingly, there are quite a few things that can delay your loan, including: Missing paperwork, title search turns up liens or other issues, appraisal comes back too low (meaning you’re offering to pay more for the property than it’s worth), and changes in your credit report or job status.
Can I prepay my mortgage, and if so, is there a prepayment penalty?
Sometimes, ask if there is a prepayment penalty. Banks want to make money, so they often throw on a penalty to discourage people from paying off their loans faster.
How long does it take to close a mortgage?
Each transaction is different. However, the average time between going under contract to closing is four to six weeks. Errors in the application process, or missed deadlines, can lengthen the process.
How do interest rates affect your mortgage?
High-interest rates bring higher monthly payments and increase the overall interest you’ll pay over the life of your loan. A low-interest rate saves you money in both the short and long term.
What does your mortgage payment include?
Here’s what the typical monthly mortgage payment includes: Principal, Interest, Homeowners Insurance, Property taxes, Private mortgage insurance (PMI), if you put down less than 20% on your home.
What is an escrow account, and how does it work?
Your mortgage payment may include additional costs like homeowner insurance and property taxes. These annual expenses are part of homeownership, and the lender is at risk if you don’t make those payments. Your lender can add the monthly portion of each of those accounts to your mortgage payment. That money is held in an escrow account managed by a third party to ensure those costs are paid on time.
What are discount points, and should I pay them?
Discount points are fees you pay to the lender to lower the total interest rate. Each point equals one percent of the interest rate, and there is usually a limit of two points.
Can my monthly payments change over time?
Your payment will not change over time if you have a fixed-rate mortgage. You will pay the exact amount every month until you repay the loan. If you opt for an adjustable-rate mortgage, your monthly payment can (and likely will) change.
What kind of down payment assistance is available, and how do I know if I qualify?
A few down payment assistance programs are available for the average home buyer. You should talk to your lender for more information about program availability.
How much down payment do you need for a mortgage?
Can I lower my interest rate?
If you are preparing to buy a home, you can lower your future interest rate by improving your credit score. Even a difference of 10 points can reduce your rate. Additionally, you could provide a larger down payment on the loan. Refinancing for a lower rate if you already have a home loan. You’ll want to talk to your lender to determine if it’s an appropriate time or if you should wait a little longer for the rates to adjust.
Does my partner’s credit score matter?
It depends. If your partner is a co-signer on the home loan, the lender will want to look at their credit score, which may affect your ability to obtain a home loan. If you are on the border of qualifying, opt to have the partner with the higher credit score act as the primary applicant.
Should I get a 15-year or 30-year term loan?
What documentation should I gather?
Your lender may ask for many different items, but in general, be prepared to show all of the following:
- Income verification (Last two years’ tax returns, W-2s, 1099s, and your last few pay stubs)
- Driver’s license and Social Security card (or alternative ID) Bank statements
- Proof of funds to close (and an explanation of where they came from, if it’s not obvious)
If some or all of your down payment comes from a gift, you will need a gift letter from the source of the funds confirming they are a gift, not a loan.
