Loan Officer · Equity Smart Home Loans
Hi, I'm Sergio.
I’ll help you compare available loans, understand the costs, and choose your next step.
I’ll help you compare available loans, understand the costs, and choose your next step.
Working in the trades? Start with income, work history, and cash-to-close guides.
Explore the union homebuyer resources →My Philosophy
Education over sales.
Transparency over pressure.
Why work with me
I’ll compare available programs, pricing, and requirements through Equity Smart Home Loans.
I’ll review your income, assets, credit, and goals with you. Documents and lender review determine timing.
I’ll explain your payment, closing costs, loan terms, and what to expect before you sign.
Loan Programs
Purchase
Financing to buy a primary residence, second home, or investment property.
Refinance
Replace your current mortgage with a new one at a different rate or term — without taking cash out.
Jumbo
Financing above the applicable conforming loan limit.
FHA
Government-insured mortgages with program-specific down payment and credit requirements.
VA
Home financing for borrowers who meet VA service and loan requirements.
Bank Statement
Alternative income documentation for eligible self-employed borrowers.
DSCR
Business-purpose rental-property financing focused on property cash flow.
SBA 7(a)
SBA-guaranteed financing for eligible small-business purposes.
My Mission
My goal: help you choose a mortgage that fits your life.