Navigate Home Purchase, Refinance, and Equity with Confidence
Hi, I'm Louis "Lou" Marquez, a licensed Mortgage Loan Officer dedicated to helping homebuyers and homeowners navigate their financing options with confidence.
Through my partnership with a leading direct mortgage lender, I have access to a wide range of loan programs and highly competitive rates, allowing me to customize solutions that align with each client's unique financial goals.
Whether you're purchasing your first home, refinancing an existing mortgage, consolidating debt, or exploring home equity options such as a HELOC or Home Equity Loan, I'm committed to providing clear communication, honest guidance, and a seamless lending experience from application to closing.
When you're ready to explore your home financing options, I'm here to help every step of the way
What documents should I gather before speaking with a Mortgage Loan officer?
Your lender will need to verify that you have stable income.
Employment & Income
- Your two most recent pay stubs
- Year-to-date income (last pay stub received in the previous year)
- W-2 forms from the last two years
- Federal tax returns from the last two years (if applicable)
- Social Security Benefits Letter
- Pension Income (IRS Form 1099-R)
If you're self-employed:
- Two years of personal and business tax returns
- Year-to-date profit and loss statement
- Business bank statements (if requested)
Real Estate Documents:
- Current mortgage statement
- Property tax information
- Homeowners insurance information
- Homeowner Association Statement
- Utility Bill
Loan Programs Page
Conventional Loans
- No Upfront Mortgage Insurance Premium
- Higher Loan Limits
- Wide Variety of Property Types
- Primary residences
- Second homes
- Investment properties
FHA Loans
- Lower credit score options
- Low down payment
- Gift funds
- Owner occupied
HELOC/HELOANS
- Access home equity
- Home improvements
- Debt consolidation
- Emergency expenses
Refinance
- Rate-and-term
- Cash-out refinance
- Debt consolidation
- Lower payment