Mortgage Lender for you
With 20 years in the industry, we offer a full range of loan programs, including DSCR, Bank Statement, FHA, and Conventional loans.
93%
Experience
97%
Security
94%
Agility
Commitment
We are here to help you
Let us help you find a place you can call home!
We are committed to providing optimal, agile, and timely guidance that helps turn your dream into reality.
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Programs
Check out our wide variety of loan options available. Home loans perfectly tailored just for you!
Benefits
To grow your business
As a leading lender, WRIO MORTGAGE has helped borrowers just like you purchase and refinance their dream homes.
Build Equity
Equity is the difference between the property’s value and the remaining mortgage balance. Every mortgage payment made increases equity. Historically, real estate appreciates over time, making equity building a sound long-term investment strategy.
Streamlined Loan Process
Our streamlined loan process provides our partners with industry-leading turn times, ensuring you're always ahead of the competition.
Take Advantage of Tax Benefits
Mortgage interest and property tax payments are often tax-deductible, reducing your overall tax liability. These deductions can result in substantial savings, increasing your disposable income and providing financial advantages.
Provides a Stable and Unique Environment
Create a stable home that reflects your unique personality and tastes. Unlike renting, homeownership pairs stability for you and your family with the freedom to personalize your space through modifications, renovations, upgrades and more.
"Can Do" Attitude and Expertise
Our Account Executives bring a "can do" attitude and expertise to every situation, ensuring you're able to get the best solution for your borrower.
Loan Solutions that Grow
Our suite of loan solutions grows to meet the changing needs of borrowers, ensuring you always have a product that fits their unique needs.
Flexible Underwriting
Our flexible underwriting provides solutions to out-of-the-ordinary borrowers, helping them get the financing they need when others have said no.
Calculate your scenario
Get detailed information about the potential loan
Loan Solutions that Grow
Our suite of loan solutions grows to meet the changing needs of borrowers, ensuring you always have a product that fits their unique needs.
Frequently Asked Questions
A mortgage borrower typically has questions ranging from their ability to repay to the technical details of the contract. These are the most common questions:
1What loan amount can I qualify for?
This is based on your monthly income and job stability.
2How much money do I need for the down payment?
Typically, 20% in savings is required, although there are programs available for young buyers that require a smaller initial payment.
3What percentage of my income will go toward the installment payment?
It is recommended that it not exceed between 33% and 40% of your gross income.
4What documents do I need to submit?
Lenders will request proof of income, current debts, and bank statements.
5What is the difference between a fixed rate and a variable rate?
Fixed: The interest rate and the monthly payment remain unchanged throughout the entire loan term.
Variable: The interest rate fluctuates based on a benchmark index (such as Euribor), making it better suited for those who can absorb potential rate increases.
6What is the amortization period?
The total time to repay the loan (e.g., 15, 20, or 30 years).
7What additional expenses does a mortgage entail?
It includes closing costs, notary fees, appraisals, and associated insurance.
Contact us.
Feel free to call or write anytime
Primary Loan Officer
Andres F Ramirez / NMLS # 1669855
Need a quick help or have questions?
Opening Hours
Monday - Friday
06:00 AM - 10:00 PM
Saturday - Sunday
08:00 AM - 08:00 PM
Our address
4920 Nw 79 Ave. Doral
Miami, Florida 33166,
Estados Unidos