Mortgage Services

planning your mortgage, securing your future

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Our Vision For Your Home Loan Experience


Imagine me as your mortgage advisor. What I do for you is invest my time, consulting, planning, organizing, and overseeing the details of your transaction. I want you to have a superb experience that causes you to want to introduce me to the people you care about most.


The purpose of my practice is referral, which means I must bring the type of value that makes you feel comfortable introducing me to the people you know who need my help. After all, a referral is sending someone you care about to someone you trust.

Learn More About Your 5-star Mortgage Experience

Residential Mortgages

Residential Mortgages are not all equal. You have dozens of options. Some offer you lower monthly payments, while others save you money over the term of the loan.

Find out what type of residential loan will work best for you.
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FHA Loans

FHA loans are a great option if you have good credit, a little money saved for a downpayment, and you are a first-time homebuyer.

The terms of an FHA loan are strict, but you will save money over the life of the loan, AND you will lock-in a lower monthly payment.
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Refinancing

If you already own your home and need to lower your monthly payment or  want to lock in a lower rate, refinancing is a great option!

Today's rates have never been lower, and you can ensure a return on investment using our refinancing formula.
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First Time Homebuyers

Navigating the process of buying a home can be tricky. And there is a difference between what you CAN afford and what you SHOULD buy. 

We will get to know you, what you want, what you need, and help you figure out the best financial plan for you.


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Zero Down Mortgage

If you want to buy a home but don't have much in savings, a zero-down mortgage might be perfect for you.

There are specific criteria you need to meet to qualify for these loans, and there are still other costs like home inspection and appraisals that will require some out of pocket costs.
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VA Loans

First, thank you for your service! Helping veterans apply for VA loans is one of the most rewarding parts of our job.

Second, you need to know the advantages of a VA loan and some of the loan program's quirks.
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Conventional Loans

In general, if you have good credit, 20% or more for a downpayment, and a low debt-to-income ratio, a conventional mortgage might be your best option for the lowest rate and the best payment terms.

There is no signal set of requirements for conventional loans; however, independent mortgage brokers can compile your information and shop your loan to dozens of banking institutions without penalizing your credit score.
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About Treasure Coast Home Loans

A big part of financial freedom is having your heart and mind free from worry about life's what-ifs.


Learn more about Treasure Coast Home Loans, our goal to help everyone achieve financial freedom, and peace of mind through homeownership.

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Mortgage Services for Homebuyers and Sellers

As your friend and mortgage expert, we will find the best loan type for you

First Time Home Buyers

Navigating the process of buying a home can be tricky. And there is a difference between what you CAN afford and what you SHOULD buy. 

We will get to know you, what you want, what you need, and help you figure out the best financial plan for you.

≫ Learn More

Home Sellers

Navigating the process of buying and selling a home can be tricky. How much you can afford, the timing of a deal and the equity in a home call all play a critical role in determining how much money a bank will let you borrow.

Fortunately, there are all kinds of loan types, from bridge loans to private money loans to help make  moving stress free (at least financially stress free).

We will get to know you, what you want, what you need, and help you figure out the best financial plan for you.
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Treasure Coast Home Loan Updates and News!

Find out what is happening in the mortgage industry and how it affects the Treasure Coast.

improve credit score, boost credit score for mortgage, home buyer credit tips
Secondary: increase cr
By Edgar DeJesus October 9, 2025
improve credit score, boost credit score for mortgage, home buyer credit tips Secondary: increase credit score 90 days, credit report improvement, mortgage credit requirements, first-time home buyer credit, credit score tips, prepare credit for mortgage
By Edgar DeJesus October 8, 2025
Buying a home in Florida is one of the most significant financial decisions you’ll ever make, and at the heart of this transaction lies a document that will shape your entire home buying experience: the purchase contract. While the excitement of finding your dream home can make you eager to sign on the dotted line, taking time to thoroughly understand this legally binding agreement is absolutely essential to protecting your interests and your investment.
Florida property taxes, Save Our Homes Florida, homestead exemption Florida, assessed value vs appra
By Edgar DeJesus October 7, 2025
Florida homebuyers who close before January 1st can save thousands in property taxes for decades. Learn how Save Our Homes protection, assessed value vs. appraised value, and strategic timing can lock in lower tax bills for life in Florida’s unique property tax system
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By Edgar DeJesus October 6, 2025
Want to sell your home for maximum value? Discover how a professional listing agent uses expert pricing, marketing strategies, and negotiation skills to help home sellers get top dollar. Learn the proven steps to a successful home sale.
home inspection negotiations, seller paid repairs, 4-point inspection issues, appraisal repair requi
By Edgar DeJesus September 30, 2025
Learn how to negotiate with sellers when home inspections, 4-point inspections, or appraisals reveal repair issues. Expert tips for buyers to get repairs done or reduce the home price.
unpermitted work, home permits, mortgage approval, selling a home, homeowners insurance, building pe
By Edgar DeJesus September 29, 2025
Unpermitted home improvements can derail mortgage approvals and increase insurance costs. Learn why pulling permits matters when buying or selling a home and how to avoid costly delays.
By Edgar DeJesus September 24, 2025
Buying a home is one of the most significant financial decisions you’ll make in your lifetime. Whether you’re a first-time buyer or seasoned homeowner, knowing the right questions to ask your realtor and mortgage lender can save you thousands of dollars and countless headaches down the road.
xceptional real estate service, real estate agent client care, premium real estate representation, r
By Edgar DeJesus September 23, 2025
Learn how top real estate agents provide over-the-top client care and representation before, during, and after your transaction. Discover the difference exceptional service makes in your property journey.
By Edgar DeJesus September 22, 2025
Buying your first home should be one of life’s most exciting milestones, not a source of stress and confusion. When Sarah Martinez decided to purchase her first home in Austin, Texas, she had no idea what to expect from the mortgage process. Like many first-time buyers, she was overwhelmed by financial jargon, worried about her credit score, and unsure whether she could even qualify for a loan. That’s when she connected with Michael Chen, a seasoned mortgage loan officer with over 15 years of experience helping first-time buyers achieve homeownership. What followed was a seamless, educational journey that transformed Sarah from an anxious renter into a confident homeowner in just 45 days.
FHA fix and flip rules, FHA 90-day rule, dual appraisal requirement, FHA property flipping guideline
By Edgar DeJesus September 18, 2025
Understanding FHA fix and flip rules is crucial for homebuyers. Learn about the 90-day ownership rule, dual appraisal requirements when property values double, and why working with an experienced mortgage broker matters for your home purchase success.
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