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Hector Perez

Sr Loan Officer

NMLS ID: 62832

I look forward to delivering great service and professionalism to you as I help you with your home lending needs.

Hector Perez

100 Mill Plain Road, Suite 2G

Danbury, CT 06811

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With over 12 years in the home lending industry, I have helped many families and individuals with their home lending needs. The commitment I make to all my customers is to provide professional and personal service while crafting solutions to meet their home lending needs. I understand the importance of proper guidance and promptness.

 

Whether you are thinking of purchasing, refinancing, or renovating a home, I have the tools available to help you achieve your dream. And because we lend in all 50 states, I can help with local transactions as well as second or vacation homes nationwide. Your referrals are welcome.

 

During my free time, I enjoy grilling, strength training, boating, and hiking with my poodle, Leo. I have a wife and three boys.

 

I look forward to working with you.

Mortgage Skills

  • Condominium Financing
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Pre-Qualifications
  • Renovation Loans
  • Second Homes
  • VA Government Loans

Community Involvement

  • Youth leader at my local church. Involved in organizing outreach programs within the community.

Languages Spoken

  • English
  • Spanish
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?

Today's Rates

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A mortgage expert will review and provide you the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.

 

1Rate as of 4/18/2018 10:07 AM ET. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $1,212. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 4/18/2018 10:07 AM ET. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,755. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  4/18/2018 10:07 AM ET. The APR calculation is based on a 7/1 adjustable-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $1,186.  Payment amount does not include taxes and insurance which means your monthly obligation will be greater. With an adjustable-rate mortgage (ARM), your 7/1 loan will have an initial fixed-rate period of 72 months. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset.  Rate is variable after the fixed-rate period and subject to change once every year for the remaining life of the loan.  Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

4Rate as of  4/18/2018 10:07 AM ET. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,166. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.