Hablo español! | As a Branch Manager/VP of Lending, Raul Alvarez is a dedicated leader, highly regarded by his peers, business partners, clients and realtors as a key advisor and results-driven professional. He has demonstrated success in working in various functions for large companies over the years amounting to over 20 years of experience in the Residential Lending field. Raul was driven to explore a career within the Mortgage Financing field due to his passion to help others and truly seek out best alternatives that would allow people to reach their dream of purchasing a home. Raul recalls purchasing his first property at the age of 22 and the awareness that this experience created for him which also helped peak an interest in what became his career.
One of Raul’s key strengths is his ability to build relationships and network. He takes great pride in serving his clients and going above and beyond to ensure that they are satisfied with the overall loan experience. Raul has partnered with well-known real estate teams to support their eﬀorts in providing assistance, information and becoming a trusted source for all involved. Raul attended Christopher Columbus High School and earned a double major in Finance and Real Estate at Florida International University.
Beyond his professional role, Raul is committed to giving back to the community and he is involved with various organizations. Raul is married to his wife Frances and together they have two children for which he also enjoys coaching little league activities and participating in sporting events.
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/
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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).
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.