Mortgages,
without the fog.
I'm Jose — a loan officer with Standard Mortgage. Whether you're buying, refinancing, or just trying to figure out what's actually possible right now, I'll walk you through the numbers, the options, and the trade-offs. No pressure. No jargon.
- NMLS
- 2533014
- Licensed
- Florida
- Response
- Same day
A mortgage is a thirty-year decision made in a few short weeks. My job is to slow that moment down — so the number on the page still makes sense five years from now.
Every path to the front door.
We'll match the loan structure to your life — not the other way around.
First home, forever home, or the one in between.
Lower rate, shorter term, or tap equity — let's see if timing lines up.
A patient walkthrough with room for every question.
The flexible workhorse for steady credit and income.
Forgiving guidelines. A friend to lower down payments.
For eligible veterans, service members, and rural buyers.
Flexible options for self-employed, investors, and buyers whose story doesn't fit a standard box.
Program availability and eligibility vary. All loans are subject to a complete application, documentation, credit review, program guidelines, and underwriting approval.
Three steps. No surprises.
We talk. About your goals, your timeline, and where you actually are today. No forms, no commitment.
I lay out real options in plain English — monthly payment, cash to close, trade-offs between paths.
Maybe it's an application today. Maybe it's a plan for three months out. Either is a win.
In their words.
Real stories from clients who trusted me with one of the biggest decisions of their lives.
Recently worked with me? Share your experience →
Let's put your numbers on the table.
Whether you're two months or two years from a closing table, an early conversation costs nothing and clears up everything.
Start-to-finish walkthrough of the whole process.
OpenEstimate monthly payments and cash to close.
OpenA partner who takes care of your buyers.
Open