You are in the right place
Looking to buy, access your equity, or simply want to know more about the process?
Luis Centeno
NMLS#2227701 DRE#2161943
your independent wholesale mortgage broker
products tailored to your specific needs
I provide financing for every situation, whether you are looking to purchase, refinance, or grow your investment portfolio. If you are financing a property, I have something for you.
A Focus on Results
We have the best in-house processors, aggressive pricing with over 200+ Lenders, and an infrastructure built to deliver. We take on the challenges, allowing you to complete the process from the comfort of your own home.
Get Started Today
Not ready to apply? Schedule a consultation with Luis to speak through your scenario and what might be holding you back. The sooner you make a plan, the clearer your next steps will be, and the closer you will be to a better financial position.
Just Some of the Mortgages products we offer
Conventional
Conventional
Conventional
Low interest rates, fixed and adjustable-rate mortgage options, and streamlined approvals. Conventional loans are well-suited for first-time homebuyers, seasoned purchasers, or homeowners exploring a refinance with competitive terms.
FHA
Conventional
Conventional
Low down-payment options. Flexible qualifications guidelines. Low interest rates. Attractive refinance options with high loan amounts. FHA loans bring homeownership within reach.
VA
Conventional
VA
Competitive interest rates. Favorable loan terms. No required down payment. VA loan programs help eligible veterans and active duty service members become homeowners and provide refinance options to those with existing mortgages.
NON-QM
HOME EQUITY LINES OF CREDIT/LOANS
HOME EQUITY LINES OF CREDIT/LOANS
As the economy changes, so have the available financing options. Flexible options for loan amounts that exceed conforming loan amounts and product guidelines. Benefit from low rates, competitive closing costs, and our streamlined approach on a customized Non-Conventional Loan.
HOME EQUITY LINES OF CREDIT/LOANS
HOME EQUITY LINES OF CREDIT/LOANS
HOME EQUITY LINES OF CREDIT/LOANS
A second or even third mortgage that allows you to borrow large sums of money by using your house as a line of credit.
Reverse Mortgage
HOME EQUITY LINES OF CREDIT/LOANS
Reverse Mortgage
If you are 62 or older, you may qualify for an FHA or Jumbo reverse mortgage. More and more seniors are taking advantage of this program because it can eliminate your monthly mortgage payment as well as help you tap into some of your unused equity to offset the increasing cost of living, do home projects, and help you accomplish some of the goals that you have for your retirement.