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He’s not just a pro at what he does; he’s a great person to have on your side.

- Travis Jenkins

Your Path to Hassle-Free Homeownership Starts Here

Welcome to Remnant Lending, your trusted ally in navigating the world of residential mortgages. At the heart of our service is Gilberto Vega, an experienced and dedicated broker who understands that a home is more than just a property; it's a place where life's precious moments unfold and futures are shaped. Gilberto's extensive knowledge and experience in the mortgage industry make him uniquely qualified to guide you smoothly through the mortgage process, ensuring it's as efficient, understandable, and affordable as possible.

With Gilberto Vega leading the way, Remnant Lending stands out in the mortgage market. His expertise is not just in finding the right mortgage for you but in tailoring the experience to your individual needs. From your first consultation to the final steps of purchasing your dream home, Gilberto's personalized approach and deep understanding of the intricacies of home financing set the stage for a seamless and rewarding journey.

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Tailored Loan Solutions For Every Scenario

Your Vision, Our Expertise: Loans Customized for Every Occasion

Residential Purchase and refinance

FHA Loans: Flexible & Accessible Home Financing

An FHA loan is a government-backed mortgage designed for low-to-moderate-income borrowers. It requires a lower minimum down payment and credit score than many conventional loans. Ideal for first-time homebuyers, this program offers competitive interest rates and is more accessible to those with less-than-perfect credit.

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Commercial loans available

Conventional Loans: Versatile & Straightforward Mortgage Solutions

Conventional loans are a popular mortgage option for borrowers with strong credit, offering more flexibility in terms and conditions. With no government backing, these loans often require higher credit scores and larger down payments. However, they offer competitive rates and various term lengths, making them suitable for a wide range of buyers.

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VA Loans: Exclusive Financing for Veterans & Service Members

VA loans provide exceptional benefits for veterans, active-duty service members, and eligible spouses. These loans require no down payment or private mortgage insurance (PMI), offering easier qualification standards and lower closing costs. It's a way to honor those who have served by making homeownership more accessible.

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Down Payment Assistance Programs

Opportunities For Everyone

We provide down payment assistance programs designed to help first-time homebuyers and those facing financial barriers. This program offers practical solutions to make homeownership more accessible, reducing the initial financial burden. Our aim is to guide you towards owning your dream home with less financial strain, ensuring a smoother and more achievable path to property ownership.

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What Our Clients Are Saying

It was clear he really cared

Working with Gilberto on our reverse mortgage was really great. He knows a lot and made everything easy to understand. He answered all our questions and made sure we felt okay with everything before moving forward. It was clear he really cared about helping us make the best choice for us.

Joseph Delgado

Reverse Mortgage

the best decision we could have made

Choosing Gilberto for our VA loan was the best decision we could have made. He’s not just a pro at what he does; he’s a great person to have on your side. Anyone looking to navigate the VA loan process should definitely get in touch with Gilberto. He’ll make the experience a whole lot easier and more enjoyable.

Travis Jenkins

VA Purchase

Gilberto genuinely wanted to help us

Diving into the SBA loan process was something we were dreading, but Gilberto changed all that from our first meeting. He has this knack for demystifying the complex parts of getting an SBA loan, making it feel more accessible and less like a mountain to climb.

Every question we threw his way was met with patience and clarity. It was obvious he wasn’t just going through the motions; Gilberto genuinely wanted to help us understand and feel at ease. His proactive approach meant we were always prepared for the next step

Lisa Welden

SBA Business Loan

he was as excited about our project

Here's the thing that really made Gilberto stand out: he was as excited about our project as we were. He wasn't just the expert helping us out; he was part of our team, rooting for us and doing everything in his power to get us across the finish line. His advice wasn't just generic tips but tailored strategies that matched our vision and goals.

Chris De Celle

Multi Family Acquisitions

Gilberto is the expert you need

Working with Gilberto on our multi-family investment was a game-changer. He's not just knowledgeable about real estate; he's a supportive guide who makes the investment process enjoyable. If you're considering a multi-family property, Gilberto is the expert you need. He makes achieving your investment goals not just possible but enjoyable.

Gail McCarthy

Multi Family Acquistion

It's clear he loves what he does

Never thought I'd say this about getting a commercial loan, but Gilberto made it a pretty smooth ride. He's knowledgeable, patient, and genuinely wants to see you succeed. It's clear he loves what he does, and that energy is contagious. A+ experience.

Ankit Bavishi

Commercal Loan

Frequently asked questions

Answers to the burning questions in your mind.

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Can you help first-time homebuyers?

Absolutely! We specialize in assisting first-time homebuyers. We understand that the process can be overwhelming, so we're here to guide you through every step, ensuring you feel confident and informed.

How do I qualify for a residential mortgage loan?

Qualification criteria can vary by lender but generally include a review of your credit score, income, debt-to-income ratio, employment history, and the value of the property you wish to purchase. A good credit score and stable income are crucial factors in not only qualifying for a loan but also securing favorable interest rates.

How do you support clients in making informed decisions?

We prioritize transparency and open communication. By providing detailed information and answering all your questions, we ensure you have all the knowledge you need to make informed, confident decisions.

What types of residential mortgage loans are available?

There are several types of residential mortgage loans, including fixed-rate mortgages, where the interest rate remains the same throughout the life of the loan; adjustable-rate mortgages (ARMs), where the interest rate can change; government-insured loans like FHA, VA, and USDA loans; and jumbo loans for properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac.

How do you make the loan process easier?

We focus on simplifying the loan process by providing clear, straightforward guidance. We'll walk you through the options, help you understand the terms, and support you in making the best decision for your situation.