Annette Taylor

Annette Taylor

AVP UNDERWRITTING

Denise Rancour

Denise Rancour

AVP OF MORTGAGE PRODUCTION

Jose Torres

Jose Torres

LOAN OFFICER RMLO

Charlotte Nehme

Charlotte Nehme

LOAN OFFICER RMLO

Sandrell Apatira

Sandrell Apatira

LOAN OFFICER RMLO

Adolfo Mayor

Adolfo Mayor

LOAN OFFICER RMLO

Marco Salani

Marco Salani

LOAN OFFICER RMLO

Marcia Gallo

Marcia Gallo

LOAN OFFICER RMLO

Daniel Salom

Daniel Salom

CLOSER

Ralph McCloud

Ralph McCloud

CLIENT RELATIONS MANAGER

Ada Xama

Ada Xama

LOAN ASSISTANT

Sr Mary Rose Ekwebelam

Sr Mary Rose Ekwebelam

CHAPLAIN & OFFICE SUPPORT

Judy Martinez

Judy Martinez

EXECUTIVE ADMINISTRATIVE ASSISTANT

David Delatorre

David Delatorre

WEB DEVELOPER

Fix Rate Loan

The most common way to buy (or refinance) a home. It’s a great choice when rates are low so you keep your payments predictable— principal and interest won’t change from month to month. Predictability is great!.

VA Loan

Offered to veterans and their surviving spouses. A VA loan with a competitive interest rate and no private mortgage insurance (PMI)—gives our service members added flexibility with down payment amounts.

FHA Loan

First-time homebuyers, or income limitations. FHA is for you!  We will help you get into your home with a lower down payment, at Carrero Mortgage Advisors you will find great flexibility with FHA loans.

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Mortgage The Right Way

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The 3 Most Important Numbers

CREDIT SCORE

When it comes to getting a lender’s approval to buy or refinance a home, there are 3 key numbers that affect your ability to qualify for a mortgage and how much it will cost you — your credit scoredebt-to-income ratio, and loan-to-value ratio.

LOAN-TO-VALUE-RATIO

Your loan-to-value ratio (LTV) is a way to measure how much equity you have in your home. The LTV is the percent you still need to put toward the principal to fully own your home. The higher your LTV, the more you’re borrowing from your lender.

DEBT-TO-INCOME RATIO

Your debt-to-income ratio (DTI) helps lenders understand how much you can afford to pay for a mortgage each month given your existing monthly debt payments. Lenders add up what your monthly debt will be once you have your new home (e.g., monthly payments for student loans, car loans, credit card bills, etc. plus your future mortgage payment) and divide it by your gross monthly income (i.e., how much money you earn before taxes).

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Carrero Mortgage Advisors logo 3600 Red Road Suite 310, Miramar, FL 33025 | 305-767-2627

Carrero Mortgage Advisors, LLC NMLS# 1734670 is an Equal Housing Opportunity Lender. © Copyright 2022 and is headquartered at 3600 Red Road Suite 310, Miramar, FL 33025. All rights reserved. Nationwide Mortgage Licensing System (NMLS) Consumer Access Web Site: www.nmlsconsumeraccess.org.

Figure: 7 TAC 80.200(b)

“ANY CONSUMER WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 290, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.“