Since launching his career in mortgage banking in Florida in 1998, Javier has not only become the #1 Loan Officer and Branch Manager for the last eight years but also stands out as a proud United States Navy Veteran. His dedication to service extends beyond his professional achievements; Javier is deeply committed to supporting his fellow veterans, leveraging his expertise in FHA, VA, and Conventional loans to help them navigate the complexities of homeownership.

Javier's passion particularly shines when working with First Time Homebuyers, ensuring they feel confident and well-informed throughout the mortgage process. His approach is grounded in clarity and education, aiming to demystify financial details and empower clients with the knowledge needed to make informed decisions. This includes providing accurate estimates of monthly payments, closing costs, and down payment requirements, ensuring a transparent and surprise-free closing experience.

 The thrill and stress of buying or refinancing a home are well understood by Javier, who applies his extensive experience to guide clients smoothly and professionally to their desired outcomes. His role as a mentor and advisor is particularly impactful in the veteran community, where he is recognized not only for his professional expertise but also for his dedication to giving back to those who have served.

 Balancing his professional accomplishments, Javier maintains a strong focus on work-life balance as a father of five. He embodies the values of commitment, service, and family, striving to achieve excellence in every facet of his life. Javier's goal is unwavering: to offer unmatched service and insightful advice, enabling his clients, especially veterans, to confidently step into the real estate market. His track record as a top-performing loan officer, combined with his heartfelt commitment to supporting veterans and their families, underscores his holistic approach to success.  **Ask about the new Conventional loan program with no 3% down (2% gifted funds) 640 credit score and No PMI!**