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Luis Sanchez-Santana
Sales Manager

Luis Sanchez-Santana serves as a Loan Officer in the Union, NJ office for Guaranteed Rate. He is responsible for loan origination.

Luis has 3 years of experience in the mortgage industry. Prior to joining Guaranteed Rate, Luis also worked as a Loan Officer.

Whether it's to purchase a first home or refinance your current home, Luis is committed to helping clients achieve their homeownership dreams - he has the expertise to help move-up buyers, those who need jumbo loans, or support families relocating by using Conventional, FHA, and VA loan products.

Luis is a 17-year Veteran of the military and has served in various leadership roles throughout his career. His passion for helping others has carried over into the mortgage industry where he is now helping clients achieve their goals of homeownership.

Luis earned a bachelor's degree in Political Science from Montclair State University. He is fluent in speaking Spanish. He resides in Union County, NJ with his wife and dog. Luis enjoys exercising daily and traveling.

Let Luis help you find the mortgage that meets your personal needs.

Luis is also an affliate with Homes for Heroes, please check out my page here for exclusive discounts.

Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en Inglés. Le sugerimos que trabaje con un intérprete de su elección. Podrá encontrar más información sobre el proceso de préstamo en español en https://www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas/

Guaranteed Rate has no affiliation with the US Department of Veterans Affairs or any other government agency.

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Areas served
  • New Jersey
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Services offered
  • VA Loans
  • Conventional Loans
  • FHA Loans
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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).

Product Assumptions:

Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.

One discount points equals one percent of your loan amount.

Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.