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Raul Ponce, (NMLS ID 2088269)

Raul Ponce

Direct Lending Officer

NMLS ID: 2088269

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Apply Now Contact me

About Raul Ponce

I have been assisting clients with their home purchasing and financing needs since 2004. I like to help clients with their home loans and offer them the best market options. I approach each customer as if they are my own family, giving them the personal attention that they deserve. I am an active member of the National Association of Hispanic Real Estate Professionals (NAHREP), and I am a director of NAHREP Texas Plano Garland Chapter. 

 

I have an exceptional wife and two fantastic children. We love to play Monopoly, cards, and bingo and watch movies together. I love sports, and I still play baseball on weekends.

 

I am a bilingual Loan Officer who speaks fluent Spanish.

 

Contact me for assistance with new home purchasing, first time homebuying, refinancing, FHA, VA, USDA programs, conventional home lending, and more. 

 

He estado asistiendo a clientes con sus necesidades de compra y financiamiento de vivienda desde 2004. Me gusta ayudar a los clientes con sus préstamos hipotecarios y ofrecerles las mejores opciones del mercado. Me acerco a cada cliente como si fuera mi propia familia dándoles la atención personalizada que se merecen. Soy un miembro activo de la Asociación Nacional de Profesionales Hispanos de Bienes Raíces (NAHREP) y soy director de NAHREP Texas Plano Garland Chapter.

 

Tengo una esposa excepcional y dos hijos fantásticos. Nos encanta jugar al Monopoly, a las cartas, al bingo y a ver películas juntos.


Amo los deportes y todavía juego al béisbol los fines de semana.

 

Soy un Oficial de Prestamos bilingue y hablo español con fluidez.

 

Comuníquese conmigo para obtener ayuda con la compra de casas nuevas, la compra de una casa por primera vez, refinanciamiento, programas FHA, VA, USDA, préstamos convencionales de vivienda y más.

Mortgage Specialization

  • Condominium Financing
  • FHA Government Loans
  • Investment Property Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Languages Spoken

  • English
  • Spanish

Why Flagstar

Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
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Financial Calculators

If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.

Monthly Mortgage Payment Calculator

My Products of Specialization

Let's work together to find the right financing solutions for you, built around your unique needs.

The longest fixed term available makes this a popular choice. The interest rate set at closing remains constant.

Great if your goal is to pay off your loan faster and you are comfortable with a higher monthly payment.

Insured by the Federal Housing Administration, this mortgage offers more flexible qualifying criteria and low down payments.

Designed specifically for veterans and active-duty personnel, this loan often requires no down payment and flexible qualifying criteria.

Special home lending products backed by federal and state governments offer significant savings to those who qualify.

The USDA mortgage program is for homes located in eligible rural areas determined by the U.S. Department of Agriculture. This program offers fully amortizing, fixed-rate mortgage financing and is guaranteed by the U.S. government. No down payment is required.

Learn More About Mortgages

There's much more to purchasing or refinancing a home than an interest rate. View our blog and get home ownership tips and more.
Raul Ponce, (NMLS ID 2088269)

Raul Ponce

Direct Lending Officer

NMLS ID: 2088269

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Apply Now Contact me

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Today's Rate

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1Rate as of 2/26/2021 4:47 PM EST. 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 48,000% 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 $997. 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 2/26/2021 4:47 PM EST. 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 48,000% 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 $1,557. 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  2/26/2021 4:47 PM EST. 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 8,400% 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 $978. 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.

Raul Ponce, (NMLS ID 2088269)

Raul Ponce

Direct Lending Officer

NMLS ID: 2088269