MORTGAGE LOAN OPTIONS
To obtain additional loan details, click on the buttons below. These loans are provided by American Bancshares Mortgage. Clicking on them will redirect you to their website, where you can access all the relevant loan information. This process is quick and easy, and it can help you make informed decisions about which loan to choose based on your specific needs and financial situation.
We may be compensated by American Bancshares Mortgage through the links below.
CONVENTIONAL
For borrowers with excellent credit, conforming loans are advantageous due to their low interest rates. We offer a variety of conforming mortgage loan products.
Highlights:
• No upfront mortgage insurance
• No mortgage insurance with 20% down payment or lender paid mortgage insurance
• Competitive interest rates
• Minimum credit score of 620
• Primary, secondary or investment properties
• National loan limit of $726,200
Contact us to discuss your financing requirements.
FHA
FHA is a government agency that was created in 1934 to help facilitate growth in loan opportunities, by allowing an alternative to purchase a home with as little as 3.5% down payment and less than perfect credit.
Highlights:
• As little as 3.5% down payment- funds can be a gift from a family member
• Less than perfect credit score
• Flexible debt to income ratios
• Seller contribution to closing cost is allowed
Contact us to discuss the details of your financing requirements.
Get Pre-Approved
Jumbo
Our Jumbo loan products are designed for loan amounts up to 2MM.
Highlights:
• Maximum Loan Amount: $2MM
• Maximum Loan-to-Value (LTV): 80%
• Minimum Fico Score: 680
• Investment Properties and Second Home are eligible
• 15, 20, and 30 year Fixed Rate options
• Underwritten in-house
• Lock Periods up to 60 days
Contact us to discuss the details of our jumbo financing programs.
Get Pre-Approved
VA
In 1944 the US government created a military loan guarantee program to help qualified service member’s purchase a home.
Highlights:
• Zero down payment
• No mortgage insurance
• Competitive interest rates
• Easy qualification criteria
We are a qualified VA Lender.
Contact us to discuss the details of your financing requirements.
Get Pre-Approved
“I have been using CMA for ALL my housing mortgages. From the minute you meet and talk with Brandon he becomes part of the family and will make things happen. He gets it done !!!!! Look no further. He is the best and his staff is awesome. Thank you all for all your help with house #4 !!!!!
We are loving it !!!!! It could not have happened without you !!!!!!!”
Ron Perkov
Mortgage Isn't Easy. We Are Here To Help
Give us a call, let’s start a conversation
Meet Our Mortgage Loan Originator
Brandon Carrero, Chief Brand Officer
RMLO NMLS No. 314143
Brandon is a lifelong Catholic, husband to his wife Veronica, and father to Alexa, Lucas, and Olivia. He has multiple accolades as featured on the cover of the Top 100 People in Real Estate, NAMB Mortgage Broker of the Year, and National Mortgage Professional named Top 40 under 40 Honorable Mention of The Forty Most Influential Mortgage Professionals Under Forty. He earned an MBA with a concentration in Real Estate from Marylhurst University and a BA in Political Science from the University of Houston. He founded Carrero Mortgage Advisors, a mortgage lending company which specializes in construction finance and co-founded Boxx Builder a container home building company. He is a licensed as Real Estate Broker in both Florida & Texas. His prior experience was in the title insurance industry as the Vice President of Leblanc, Karlseng, & Patten, a Texas Fee Attorney. He serves as immediate past president of Arbor Green Homeowner Association in Pembroke Pines, Florida. Notably, he worked dutifully to help found the Diocese of Roseau Cathedral Foundation in the wake of Hurricane Maria to raise money to rebuild the devastated cathedral on the island of Dominica.
Carrero Mortgage Advisors, LLC NMLS# 1734670 is an Equal Housing Opportunity Lender. 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.“
