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    • Customized Mortgage Financing

    Interest Rates Comparison and Personalized Structuring of Mortgage Loans

    Get customized solutions for your property purchase or refinancing.

    Contact MeServices

    Experience and Knowledge

    Since 2005 in the mortgage sector, I possess a deep understanding of real estate market regulations and trends.

    Personalized Guidance

    I guide you through the entire process, from pre-approval to closing, ensuring a smooth and hassle-free experience.

    Professional Certification

    Guaranteed professional and ethical service with my certification in mortgage advising.

    Learn More About Diana Gallego

    Who is Diana Gallego?

    I’m Diana Gallego, originally from Medellín, Colombia. At 18, I emigrated to the U.S. and studied International Business at Florida Atlantic University (FAU). With over 15 years of experience in the mortgage industry, I am currently an Analyst and Mortgage Specialist at Acorn Funding Group, and a Licensed Mortgage Loan Originator in Florida.

    Our firm is licensed for conventional mortgage loans in New Jersey and New York, and we can facilitate loans for foreign investors in most states.

    Satisfied customers

    Our Happy Customers

    How can I help you?

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    Conventional Loans

    These are traditional loans that are not insured or guaranteed by the government. They typically require a higher credit score and a larger down payment compared to government-backed loans.

    Lines of Credit

    HELOCs (Home Equity Lines of Credit) are a form of revolving credit where your home serves as collateral. They provide homeowners with access to funds up to a certain limit, allowing them to borrow money as needed and repay it over time.

     

    FHA Loans

    Insured by the Federal Housing Administration, FHA loans are designed to help first-time and low-income homebuyers by offering more flexible qualification requirements, such as lower down payments and credit score thresholds.

    Foreign Investor Loans

    These are mortgage loans designed for foreigners looking to purchase property in the U.S. They often require additional documentation and may have different eligibility criteria compared to loans for citizens.

    Non-Conventional Loans

    These refer to any mortgage that does not meet the guidelines of Fannie Mae or Freddie Mac. This category includes jumbo loans (for amounts that exceed conventional loan limits), as well as other specialized loan programs tailored to the specific needs of the borrower.

    DSCR Loans

    Primarily used in commercial real estate financing, DSCR (Debt Service Coverage Ratio) measures a property’s ability to cover its debt obligations by comparing its net operating income to its total debt service. Investors often use these loans to finance income-generating properties, such as rental buildings or commercial spaces.

    Personalized advice

    Mortgage agent

    Why use a Mortgage Broker?

    A Mortgage Broker provides access to multiple financing options, comparing rates and terms to find the best deal. Their experience and market knowledge guide you through every step of the process, from pre-approval to closing, ensuring a smooth and efficient transaction.

     

    Explains the loan terms in detail.

    Is the one who provides the pre-approval letter.

    Gathers the necessary information and documentation for the process.

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    More than 3 licensed states
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    (Millions) USD in loans
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    Years of Experience
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    Satisfaction Rate

    Experience, Commitment and Results

    Why work with me?

    Explore the top three reasons to choose to work with me

    Personalized Support

    Every client is unique. I provide tailored advice to fit your needs and goals, whether you’re a first-time buyer or an experienced investor. I listen to your concerns and develop mortgage solutions aligned with your financial objectives.

    Compare interest rates with multiple lenders.

    I have access to a broad network of reliable lenders and compare rates and terms to offer you the most competitive financing options. This saves you time and money, allowing you to make informed decisions about your mortgage.

    Analysis and Structuring of Mortgage Loans.

    I provide comprehensive analysis and structuring of loans, guiding you through each step with clarity and confidence. From assessing your financial situation to finding the best option that fits your budget and lifestyle, I am committed to helping you achieve your homeownership dreams.

    Frequent questions

    Do you have questions?

    Find quick answers to your questions about mortgages and financing. From loan requirements to tips for improving your credit, we’re here to help.

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    • What are the requirements to obtain a mortgage?

      The requirements vary depending on the lender and the type of loan, but they generally include a credit history, stable income, and a down payment.

    • How long does the mortgage approval process take?

      The time varies, but it usually takes 30 to 45 days from application to closing, depending on factors such as the complexity of the loan and the efficiency of the lender.

    • What is a credit score and how does it affect my ability to obtain a mortgage?

      A credit score is a number that represents your credit history. A higher score generally means a better interest rate and loan terms.

    • What additional costs should I expect when buying a house?

      In addition to the down payment, you should consider closing costs, taxes, insurance, and moving expenses.