Homes & Loan 

Turns Dreams into Reality.

WHY you should submit an applicaton with us ?


You will be shopping with the Top Wholesale Lenders in the nation.

.You will have access to unlimited programs with the lowest interest rate in the industry and also with many down payment assistance program options. 

We offer you GRANTS to reduce your down payment or assist you with the closing costs.

As a broker we have a higher approval porcentage for homebyers than banks. 

We could close loans in 15 days or less, or we will pay to you a penalty for that. 

We avoid appraisal fees for some refinance and some qualified clients. 


Why independent mortgage broker is better than retail banks?

Highest standards for your best experience

Purchase a Home is a major decision with many benefits, including the possibility that your mortgage payment may be the same as or less than your current monthly rent.

Why Buy a House versus Rental? Here are some Reasons:

  • Tax Deductions. You could deduct the interest paid in your taxes. The interest you pay on your mortage every month may be tax-decutible and also the real estate taxes as well. Unlekely rent payments dont go anywhere.
  • It's your Home. you will create the home you want. no landlord, no noisy neighboords in a Condo. Yo can build your house into the home of your dreams.  You will be part of a community now. 
  • Generate Equity. When you purchase a house, you are making an investment in you rfuture. Each mortgage payment you make increases your equity in your house. The value of your property is growing and your equity as well. You could use that funds on the future for any purpose as: second house, college tuition or your retirement plan.
  • Lowest payments. You could find a mortage whose monthly payment wont go up every year when you renew your lease agreement. Tipycally the rent are raided or ajusted each year.

Client Testimonials.

“Great services and great attention from Iker to helps to made the loan process really easy for us.”

Charles Granger, 

“ Many thanks to Homes & Loan to coordinate everything with my realtor to made my dream to purchase my first home on America. I could not believe it, after all this years waiting. My family and me said thank you.!”

Rosa Parada and family, 

“He was on top of everything to made really smooth and fast the refinance of my home!”

George Garragher, 


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