Buy the home. We'll handle the loan.
Whether it's your first front door or your fifth, Paulo structures purchase loans around the payment you want — then fights for it like it's his own money. Conventional, FHA, VA, and jumbo.
From offer to keys, without the guesswork.
Get pre-approved
Real numbers, real fast. Paulo reviews your credit, income, and assets and issues a pre-approval sellers respect.
Shop with confidence
You know exactly what payment you can afford — so you can offer decisively and stop second-guessing every listing.
Lock and clear
Paulo runs your file personally through underwriting. No handoffs to juniors, no surprises the week before closing.
Close and get keys
Sign, fund, move in. Your closing date holds because your loan officer is the branch manager.
Four ways to buy. One that fits you.
Paulo will tell you which program actually fits your situation — not the one with the biggest commission behind it.
Conventional
The workhorse of home buying. Down payments from 3%, and strong credit is rewarded with the sharpest pricing. Great for buyers with solid income and credit history.
FHA
3.5% down with forgiving credit guidelines. Built for first-time buyers and anyone whose credit story has a few chapters they'd rather skip.
VA
0% down, no monthly mortgage insurance, for eligible veterans, service members, and surviving spouses. If you earned this benefit, Paulo makes sure you use it well.
Jumbo
For loan amounts above conforming limits. Higher price points need sharper structuring — exactly the kind of file that lands on a branch manager's desk.
Why buyers choose Paulo.
Anyone can take an application. Paulo structures the loan around the life you're buying into — then personally drives it to closing.
- ✓Branch-manager-level file handling — your loan is run by the person who runs the branch.
- ✓Honest payment math before you offer — you'll know the real monthly cost, not a teaser number.
- ✓Licensed in 49 states — relocating for work or buying remotely? He can follow you there.
- ✓A direct line, not a 1-800 maze — (702) 219-8214. You call, he answers.
Purchase FAQ
How much do I need for a down payment?
It depends on the loan type. Conventional loans can go as low as 3% down, FHA loans start at 3.5%, and VA loans require no down payment at all for eligible veterans and service members. Jumbo loans above conforming limits typically require more. Paulo runs the real payment math with you before you make an offer.
What's the difference between pre-approval and pre-qualification?
A pre-qualification is a rough estimate based on information you provide. A pre-approval means your credit, income, and assets have actually been reviewed — and sellers treat it seriously. Paulo issues real pre-approvals, so your offer lands with weight behind it.
How does my credit score affect my rate?
Your credit score is one of the biggest pricing factors on a mortgage — higher scores generally unlock lower rates and lower mortgage insurance costs. If your score isn't where you want it, Paulo will tell you honestly whether to buy now or take a short detour to improve it first.
Can I buy a home if I'm self-employed?
Yes. Self-employed buyers qualify every day — it just takes the right documentation, and sometimes a different loan program. If your tax returns don't reflect your real income, bank-statement loan options may fit better. Paulo handles complicated income for a living.
What are closing costs?
Closing costs are the fees to finalize your loan — lender charges, title and escrow, prepaid taxes and insurance, and recording fees. They typically run a few percent of the loan amount, and some can be negotiated or offset with seller credits. Paulo itemizes every dollar before you commit.
How long does it take to close?
Most purchase loans close in 30 to 45 days from contract to keys, depending on the loan type and how quickly documents come in. Because Paulo runs your file personally instead of handing it down, fewer things slip — and your closing date holds.
Ready to buy? Start here.
Start your application online in minutes, or call Paulo first if you want to talk through the numbers. Either way, you talk to him — not a call center.