FHA loan
3.5%down
Credit scores from 580 can qualify.
- Gift money from family can count
- Easier on past credit trouble
Pick the loan that fits you.
Not sure which one? Ask us. That is what the call is for.
VA loan
$0down, often
For veterans and service members.
- No monthly mortgage insurance
- We help you get your eligibility
Conventional
3%down
A good fit for first-time buyers.
- Good credit gets the best rates
- Mortgage insurance can come off later
Refinance
Lowerpayment
Lower your monthly payment or change your term.
- Shorten your loan
- Take cash out for repairs or debt
Examples: a $300,000 home with 3.5% down ($10,500), a $289,500 30-year fixed loan at 6.250% interest (7.163% APR): 360 monthly payments of $1,783 principal and interest. a $400,000 home with 0% down ($0), a $400,000 30-year fixed loan at 6.125% interest (6.398% APR): 360 monthly payments of $2,430 principal and interest. a $350,000 home with 3% down ($10,500), a $339,500 30-year fixed loan at 6.625% interest (7.104% APR): 360 monthly payments of $2,174 principal and interest. Payment does not include taxes and insurance, so the actual payment will be higher. Sample figures, not an offer. Subject to credit approval.
Refinance your Miami home and lower your payment.
See what you could save in 2 minutes. No effect on your credit to ask.
- Lower your monthly payment
- Take cash out for repairs or debt
- Drop mortgage insurance if your home is worth more
Licensed mortgage loan officer
NMLS #2567799
Recent closings in South Miami-Dade, Homestead and Key Largo
Example: a $350,000 30-year fixed refinance at 6.375% interest (6.552% APR) has 360 monthly payments of $2,184 principal and interest. Payment does not include taxes and insurance, so the actual payment will be higher. Sample figures, not an offer. Subject to credit approval.
How it works.
From your first answer to the keys, here is what happens.
What are you looking to do?
Buy a homeRefinanceTake cash outSent. Anisleidy will call you.
01
Answer 5 quick questions.
Takes 2 minutes. Asking does not touch your credit.
Anisleidy Hernandez
calling...00:00
02
Talk to Anisleidy.
A short call, usually within minutes. You get your options in plain words.
Anisleidy
Closed
03
Pick your loan and close.
We handle the paperwork and keep you posted until you get the keys.
You talk to me, start to finish.
I help families across Florida buy and refinance homes, and I am licensed in 22 more states, including Texas, California and Georgia. I explain every option in plain words, so you know exactly what you are signing.
My cell, not a ticketYou call or text me directly, every time.
English and EspañolAsk your questions in the language you think in.
Updates every stepFrom your first call until you get the keys.
23states, one loan officer.
Based in Miami, Florida. Licensed in 22 more states, from California to New Jersey.
Licensed
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What clients say.
★★★★★ 5.0 on Google.
★★★★★
Rated 5 stars on Google.
Google review★★★★★
"She answered every question, even the dumb ones. We closed in 3 weeks."
Sample review, Google★★★★★
"Two banks said no. She found us an FHA loan that worked."
Sample review, GoogleRecent closings.
Real homes Anisleidy helped clients buy. Street addresses left off for their privacy.
South Miami-Dade
Miami, FL 33170
4 beds · 3 baths · 2,409 sq ft
South Miami-Dade
Miami, FL 33170
5 beds · 3 baths · 2,275 sq ft
Homestead
Homestead, FL 33030
4 beds · 3 baths · 2,437 sq ft
Key Largo
Key Largo, FL 33037
3 beds · 3 baths · 960 sq ft
What would my payment be?
Move the sliders. Then get your real rate, based on your credit and the home.
Estimated monthly payment
Principal and interest only, 360 monthly payments on a 30-year fixed loan. Taxes, insurance and mortgage insurance not included. The rate shown is the interest rate; the APR will be higher once fees are included. Sample, not an offer.
Loan amount
Down payment
Interest rate
Questions people ask.
Straight answers to what people ask before they call.
01Does asking hurt my credit?
No. Answering the questions and talking to us does not touch your credit. We only pull credit when you choose to apply.
02How much do I need for a down payment?
It depends on the loan. FHA starts at 3.5%, some conventional loans at 3%, and VA loans can be $0 down. See the examples on this page.
03What if my credit is not great?
FHA loans can work with scores from 580. Tell us where you are and we will tell you honestly what is possible.
04How long does it take to close?
Often 3 to 5 weeks after your offer is accepted. Having your documents ready makes it faster.
05What documents do I need?
Usually your last two pay stubs, two years of W-2s or tax returns, two months of bank statements and a photo ID. Tell me your situation and I will send you the exact list.
06What is a pre-approval?
A letter that shows sellers you can get the loan, based on your credit, income and savings. Many sellers want one before they accept your offer.
07How much house can I afford?
It depends on your income, your monthly debts, your credit and your down payment. The payment calculator above gives a rough number; a short call gives you a real one.
08What does it cost to talk to you?
Nothing. The call and your loan options are free. Any loan fees are shown to you in writing before you commit.
See what you qualify for today.
2 minutes. No cost. A real person calls you back.
