Empower your journey in home buying, refinancing, exploring commercial lending options, and unlocking equity with unwavering confidence.
Louis Marquez is a licensed Mortgage Loan Officer dedicated to helping homebuyers and homeowners make confident, informed decisions about their financing options.
As a mortgage broker, I work with a network of lending partners, providing access to a diverse portfolio of mortgage programs and competitive financing options. Rather than being limited to the products of a single lender, I can explore multiple lending solutions to help identify an option that aligns with your financial situation, goals, and long-term interests.
Whether you're purchasing your first home, refinancing an existing mortgage, consolidating debt, accessing your home's equity through a HELOC or Home Equity Loan, or financing an investment property, my goal is to make the process straightforward, transparent, and stress-free.
I believe successful mortgage financing starts with listening, understanding your objectives, and providing honest guidance every step of the way. My commitment is to deliver personalized service, clear communication, and mortgage solutions designed around your needs.
Your goals are my priority. When you're ready to explore your mortgage options, I'm here to help you navigate the possibilities and move forward with confidence.
What documents should I collect before meeting 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 (12 to 24 Months)
Real Estate Documents:
- Current mortgage statement
- Property tax information
- Homeowners insurance information
- Homeowner Association Statement
- Utility Bill
Loan Programs
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