Clients and it is always there for them even after the file closes. He places special attention to details and makes sure that the process of buying a property is fast and a total pleasure. Will recommend it to any client! I can say he is the best Mortgage Broker I have ever worked with and every file is a pleasure to work with him.
Mortgage loans made easy
What our customers say about our services
My clients are basically first-time buyers and they need real advice to help them finance their house and all of them find in Mr. Manuel Mosquera the help they need; we have closed many cases and all buyers are 100% happy.
Beachfront REALTY INCRealtor
Have known Manuel Mosquera from Columbus Capital Lending for many years and he has always given my clients a first quality service and very communicative, making those happy customers refer us both to him and to me, new clients.
Beachfront REALTY INCRealtor
My cousin Marie and I are young people, we needed a real financing help to buy our first property, we were recommended to loan officer Manuel Mosquera and he helps us from the beginning until closing day taking care of all of us.
During the last 24 years, my specialty is to approve loans to buy Houses, Townhomes, Condominiums or Mobiles Homes (with land).
I make your investment in the purchase of your House for you and your Family easy and safe, putting your money to work for you, ensuring your present and future.
My work starts with advising completely free to the first time buyers, investors or any person trying to refinance to be prepared and that this purchase or refinancing is a happy experience. My customer service is from person to person, you will have all my experience at your service so that the purchase becomes a reality in the short time.
I am specialist in First Time Home Buyers
Behind me at Columbus Capital Lending, LLC a nationally recognized lender, there is a team of professionals (openers, processors, Underwriters) who work very hard so that the purchases are closed as soon as possible usually taking 30 days or before to close since the Real Estate Contract is executed.
Under one roof, our Institution has all housing financing programs as FHA; FHA 203K (with this program I get up to $ 35,000 for repairs if the house needs it) Conventional; Fannie Mae; Freddie Mac; Foreign National (foreigners) and remember that decisions to approve the loans are made here internally.
Explore loan options to fit your needs.
Frequently Ask Questions
Yes, you can because the FHA makes exceptions if you can prove that for example you were studying and graduated before you start your current job that student time counts.
Yes, you can, you must only meet the stipulated deadlines, for Chapter 7 after 2 years of discharge and for chapter 13 after 1 year.
Yes, you can, the first few years of self-employment the income are a bit low until the business or activity stabilizes, which is why there are many programs for self-employed workers and the one that stands out most is Fredie Mac, which now also has Fannie Mae that considers only the last income tax of the person to qualify and not the average of the last 2 years that it used to be.
Yes, you can, if you are going to finance with the FHA, you must do it when the foreclosure is 3 years old and if you are going to buy in Conventional you should wait 2 years, but it is very important to have a new credit restored.
Yes there are, Counties and Cities have special programs that give certain people with certain income (not all) a grant with $ 0 interest but they must live in the property for a certain number of years if they sell it before then if they charge you capital and interest; Also a relative of your father, mother son, daughter aunt can make a gift for part of the closings costs or for all the down payment and the closing costs and you would buy the property with $ 0.00 that is perfectly legal and accepted by the FHA or Fannie Mae .
The realities for each person are different, but under normal conditions I would say that of course it is better to buy than to rent, when you rent all the deductions that the IRS allows to the property owners, the owner of the house does it and not the tenant On the other hand, if you own your home, you can make a lot of deductions for your income taxes, such as the interest charged by the bank, private mortgage insurance, and property taxes.
Yes, it helps, as long as the second job has at least 2 years of history, the two incomes would be taken into account; otherwise, the second job can’t be counted.
Still Have Some Questions Left?
Call us for a Free Consultation at 305-389-1868
How our Mortgage loans work
We’ve simplified the process. Apply for our mortgage loan in minutes, without painful paperwork or waiting in queues.
Complete our online application. It’s quick, easy, and confidential
If You’re Pre-Approved, E-Sign your Application.
Get Your 30 Years fixed Loan
Close your deal in 30 days or less.
Repay Your Loan
The Mortgage can be deducted from your bank account or send a monthly payment check, it’s up to you.