About Me
“If your dream is owning your own home, refinancing to make your current home your dream home, or growing your Real Estate portfolio, let’s chat. I am ready to listen to your needs, find you the right mortgage through our national network, and stay with you every step of the process.
And I am dedicated to helping you achieve the dream of homeownership.
However, there is more to me than mortgage experience, I gained three fundamental core values from my military training; Integrity first, service before self, and last but not least excellence in all we do. As a result, I have an unusual talent for turning challenges into solutions and offer a unique blend of experience, ability, and enthusiasm, which can be applied to a variety of scenarios.”
Calculators
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Mortgage Calculator
Using a mortgage calculator can help you calculate monthly payments on a home loan.
Get Started with Ray Fernandez – Mortgage Advisor -
Refinance Calculator
Use our refinance calculator to determine whether the costs of refinancing into a new home loan makes sense for your financial situation.
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Mortgage Affordability Calculator
Use our mortgage affordability calculator to see how much home you can afford.
Get Started with Ray Fernandez – Mortgage Advisor
Why Finance of America Mortgage?
We’re not about pushing loan papers. We’re about moving your dream forward. And we do that through knowledgeable local advisors, a personal approach, and a variety of smart loan options.
$105B+
330+
Loans That I Specialize In
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Jumbo Loan
Jumbo LoanFor homebuyers who need larger loan amounts, these loans feature interest-only, adjustable rate, and fixed rate options.
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VA Loan
VA LoanQualified veterans, reservists, active service members and spouses can take advantage of zero downpayment requirements with this loan.
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FHA Loan
FHA LoanLow downpayment and flexible requirements for income, debt and credit make this loan ideal for homebuyers with limited savings.
Learn More about FHA Loan
Frequently Asked Questions
The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.
When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.
Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.
