At Fast Loans & Mortgages we know that the process of obtaining a mortgage loan can be complex and overwhelming. We make it simple for you, giving you the peace of mind and confidence you need during the process of obtaining your mortgage loan.

The best way to obtain a loan is through a pre-qualification that is achieved through an analysis of your personal finances for which the following documents are required: last two years of income taxes, last two months of bank account statements, last two months of proof of income or salary, Legal status documents such as: residency or passport, driver's license and credit report with a score above 580 (remember that the higher the score the better the interest rate).

The pre-qualification process is like a doctor-patient diagnosis and the most effective way to learn about your needs and interests as a client.

If you are ready to obtain your U.S. mortgage loan, contact us today and let us be your reliable partner in achieving your U.S. housing goals.

How Fast Loans & Mortgages works?

Fast Loans & Mortgages offers you a wide range of mortgage loan options tailored to your individual needs. Whether you're looking to buy your first home, refinance your current mortgage or invest in property, we have the tools and experience to help you find the right solution:


FHA loans, 3.5% down payment

With a 3.5% down payment, these loans offer an attractive option to become a homeowner or refinance your current mortgage. Backed by the Federal Housing Administration (FHA), these loans also feature more flexible credit requirements compared to other conventional loans. If you're looking for a mortgage option with an affordable down payment, FHA loans are an excellent choice.

Conventional 5% or 1% down pay

These alternatives give borrowers the opportunity to meet down payment requirements without having to shell out a large amount of money right away. With a 5% down payment, borrowers can access more traditional financing and obtain a conventional mortgage. On the other hand, the 1% down payment allows buyers to get an even more affordable option.

VA with no down payment

This is a good option for veterans and active duty service members in the United States. These mortgage loans under the Department of Veterans Affairs (VA) allow borrowers to purchase a home without the need for a down payment. If you are a veteran or military service member, consider VA loans with no down payment as an alternative to achieve your housing goals.

Non-QM loans

An option for those who don't qualify for traditional loans, lending more flexible income verification, credit score and debt-to-income ratio requirements. If you are in a situation where traditional loans are not a viable option, non-QM loans may offer you an alternative for obtaining mortgage financing.

Non-QM bank statements

They offer flexible options for those who wish to purchase a home or refinance their mortgage and have difficulty providing traditional bank statements, allowing you to demonstrate your ability to pay in alternative ways such as self-employment income, rental income, investment income and other non-traditional income.

Investor Programs

These programs offer financing options tailored to the needs of investors, such as loans for the purchase of rental properties or loans for the purchase and rehabilitation of distressed properties. If you are interested in investing in real estate, check out our available investor mortgage programs to find the right option for you.

Hard money loans

Our company offers hard money loans as an additional option to meet the financial needs of our clients. These hard money loans are offered through private investors or funds and provide quick access to capital for real estate projects or investments. A solution for those with credit problems or unconventional properties. We provide you with the necessary support and advice throughout the entire process.

Hometown program

Aimed at military personnel, veterans, health care personnel, education professionals and emergency services, the Hometown Heroes program offers special benefits to facilitate the purchase of a home. Accessing reduced interest rates, discounted closing costs and flexible financing options. An initiative to honor those who have dedicated their lives to the service of our community by honoring their dream of homeownership.


Reverse mortgage

A useful option for seniors who want to supplement retirement income, cover medical expenses or complete major projects. Our reverse mortgage program allows you to convert some of the equity in your home into cash without having to sell or move. Through this program, you can receive regular payments or a lump sum based on the value of your property. We work closely with our clients to provide them with a clear understanding of the terms, costs and benefits of a reverse mortgage, ensuring they make confident decisions.

Why to choose us?

Fast Loans & Mortgages is a mortgage lending company that knows how important it is to have a place to call home. Our goal is to help you turn your dreams into reality by working with all types of loans and different programs that provide you with flexible and affordable solutions.

We work hand in hand with you to help you improve your credit, get you the best interest rate available in the market and guide you to make your investments in a much wiser and more effective way.

By choosing Fast Loans & Mortgages as your mortgage lending partner, you will enjoy a number of benefits:

  • Experience and knowledge.

  • Competitive rates.

  • All mortgage loan options available in the USA.

  • Simplified process.

  • Exceptional customer service.

    Whether you're looking to buy your first home, invest in real estate or refinance your current mortgage, Fast Loans & Mortage is the fastest way to fulfill the dream of homeownership.



    Since I had the opportunity to buy a friend introduced me to Isabella Jimenez and I can tell you that it was a great blessing to meet her, she helped us throughout the process of compiling the paperwork, she took us by the hand all the time of application with the bank, gave us recommendations, helped us choose the best option of the bank in short Isa earned 5 stars 🌟🌟🌟🌟🌟 in her service.

    Carlos Díaz

    👌Isabella Jimenez 😀very grateful to have met her, at the end of the process I ended up considering her a friend for the good wishes and for the immense help she gave me by helping me get the lowest interest rate and looking for the best deal for my dream house. Thank you so much for sticking with me till the last moment and never leaving me Alone ..thanks again for the advice 🍾🍾🍾🍾.  Many successes. 🏠

    John Avila

    My name is Barbara Medina Realtor Miami Premier Realty...

    I want on behalf of myself and all my clients to thank Norma Carballo. 
    I have had the great honor and privilege of doing several what are many transactions from zero point. Pre appraisals to closing and always with her.
    In each and every one of them has prevailed her professionalism, kindness and with much seriousness has been able to guide and advise at every step to my clients even with the most complicated ones we have succeeded thanks to her business skills. In more difficult moments she has been at the height as for me the most honest and loved in the world of financing I do not think there can be a better than Norma...
    I  will continue to take my clients as I have been doing for 6 years with my dear Normita.... 

    Greetings and Blessings! 

    Barbara Medina

    I am Diana Maria Vargas, and we bought our dream house in 2022 with the support and assistance of Juan Saenz from Fast Loans & Mortgages.  He was very proactive, he guided us through all processes to obtain our Mortgage approved and therefore closed the transaction.  Juan is a great professional in the Mortgage Industry and I highly recommend him without doubt.

    Diana Vargas

    I started to look for properties in 2019 thinking that the goal of buying a house could be far to be a homeowner, however our Mortgage Loan Officer, Juan Saenz managed to find us not only a different program in the market, but also credits toward our closing costs. We are living in our house, we remodeled and enjoyed it so much.  Please if you are looking for Mortgage, this is the guy, his knowledge and experience is priceless. 

    Jorge Millan

    Frequently asked questions

    1What interest rate will I be able to get?
    In the United States, interest rates for mortgage loans are influenced by several factors, including economic conditions, monetary policy, the length of the loan, the applicant's credit profile and the lenders' policies. We invite you to contact us and we will give you updated interest rates, as mortgage brokers we can provide you with the best interest rate in the market and advise you to make the best decision.
    2How much will my monthly payment be?
    To calculate the monthly payment, we need to know several key facts, such as the amount of the loan, the interest rate, the term of the loan and the interest rate (fixed or variable). It is also important to consider whether mortgage insurance is required and if there are any associated taxes. We recommend that you consult with us to get a more accurate estimate based on your personal data and the loan conditions.
    3What will be the maximum value of the property I will be able to purchase?
    To determine the maximum value of the property you could purchase with a mortgage loan, we recommend that you contact us, who will evaluate your financial situation and provide you with a pre-approval or estimate of the maximum amount you could obtain for your mortgage. Remember that it is essential to take into account associated costs, such as closing costs and insurance, when calculating the total amount you would need to purchase a property.
    4Can I buy if I have had a bankruptcy?
    Yes, it is possible to buy a home or property in the United States after having experienced a bankruptcy. Bankruptcy may affect your credit and your ability to obtain a mortgage loan in the short term, but it is not a permanent impediment to becoming a homeowner. With time, patience and a responsible approach to your credit and finances, it is possible to achieve your goal of buying a home. We recommend speaking with one of our mortgage brokers for specific guidance based on your financial situation and the options available to you after bankruptcy.
    5Can I buy without income verification?
    The ability to purchase a home or property in the United States without income verification can be difficult, but it is possible in certain cases. If you are interested in obtaining a loan with no credit check, there are a few scenarios in which you may qualify, I would recommend speaking with us to explore your options and fully understand the terms and conditions of the loan. Buying a home is a big decision, and it's essential to make sure you can afford the payments and properly evaluate the financial implications before committing to any type of mortgage loan.
    6What credit score do I need to be able to buy?
    The credit score needed to purchase a home or property in the United States can vary depending on the type of mortgage loan, for example for conventional loans at least 620 is required and for FHA the ideal is 580, but you can also qualify with 500 and 579. In general, a good credit score improves your chances of qualifying for a mortgage loan with favorable interest rates and more favorable terms in general.
    7How much money do you need to have to buy?
    This will depend on several factors, such as the price of the property, the type of mortgage loan you are seeking, closing costs and other associated expenses. It is recommended that you have enough savings to cover the down payment, closing costs and possibly additional funds for reserves and emergencies. Also, remember that your ability to purchase a home will also depend on your ability to pay, credit history and other financial factors. We recommend that you speak with one of our mortgage brokers to evaluate your specific situation and get pre-approved for a mortgage loan that fits your needs and financial possibilities.
    8Are taxes included in the monthly payment?
    Property taxes, known as "property taxes" in the United States, are generally not included in the monthly payment for a home unless an escrow account or a tax-inclusive mortgage loan is being used. In other situations, the homeowner must make property tax payments directly to the local government (county or municipality) separately. Property taxes vary depending on the location and value of the property and are usually paid annually or in semi-annual payments. If you have questions about how property taxes are handled on your mortgage loan, I would recommend speaking with one of our agents for a detailed explanation of how the tax payments work in your specific situation.
    9Can I buy in the name of a corporation?
    Yes, it is possible to buy a house in the name of a corporation in the United States, but you should carefully consider the legal, tax and business aspects involved. Before making any decision, we recommend that you seek advice from us to make sure that this option is suitable for your specific objectives and circumstances.
    10Can I buy as a foreigner?
    Yes, there are no restrictions for foreigners wishing to purchase residential or commercial real estate in the country. However, there are some important considerations to keep in mind: visa and immigration status, financing, form of ownership (personal or corporate), taxes, home insurance, and signing documents in person. It is also important to research and understand the real estate laws and regulations in the state or locality where you wish to purchase the property, as they may vary slightly from one place to another. We recommend that you contact us for advice and assistance to make the buying process smooth and hassle-free.