Mortgage Advisor · Homespire Home Loans

Your mortgage,
explained honestly.
Closed on time.

I'm Edwin Oquendo. For over a decade I've helped people generate wealth through real estate — from first-time buyers to seasoned investors. I'll tell you honestly when a loan makes sense, and when it doesn't. Even if it costs me the deal.

Start Pre-Approval → See what you qualify for
285+
5-star reviews
4.95★
Avg. rating
21
States licensed
Mortgage Advisor Edwin Oquendo
Edwin Oquendo, Mortgage Advisor
NMLS #931021
Quick Estimate 60 seconds · no credit pull
$450,000
10%
6.75%
30 yr
Est. Monthly
$2,627

Whoever you are,
whatever the situation — I've got a plan.

Most lenders push you into whatever fits their pipeline. I start with your goals, then find the loan that fits your life. Four audiences, one advisor.

01

First-time buyers

Low down payment options, credit strategy, and someone who'll explain every acronym before you sign.

Explore FHA & Conventional →
02

Move-up buyers

Bridge financing, sell-and-buy coordination, and jumbo options when your dream home needs a bigger loan.

See Jumbo & Conv. →
03

Refi seekers

Real break-even math. If a refi doesn't save you money, I'll tell you. If it does, we move fast.

Run the refi numbers →
04

Investors & realtors

DSCR, portfolio, and realtor partner programs. Fast pre-approvals that make you look good.

Talk investor loans →

The peace of mind process.

Four steps from first call to keys in hand. You'll always know what's next.

1

Talk with me

15 minutes, casual, zero pressure. We'll cover your goals and what you actually qualify for.

2

Get pre-approved

Full underwriting up front so your offer is as strong as a cash buyer's.

3

I do the work

My team of in-house underwriters moves your file to the closing table — fast.

4

Clear to close

Sign the papers, get the keys. Then paint the walls whatever color you want.

Every major loan program, one advisor.

Backed by Homespire's national footprint and in-house underwriting — with the flexibility of a personal advisor.

Most popular

Conventional

3–20% down · 620+ FICO

The workhorse. Best rates for well-qualified buyers with strong credit. Primary, second homes, and investment properties.

Min down3%
Max loan$806K
 First-time favorite

FHA

3.5% down · 580+ FICO

Government-backed with flexible credit guidelines. Perfect for first-time buyers or anyone rebuilding after a rough patch.

Min down3.5%
Min FICO580
 Zero down

VA

$0 down · No PMI

Earned it, use it. One of the best mortgage products in America — for veterans, active duty, and eligible spouses.

Down$0
PMINone
 Rural

USDA

0% down · Rural areas

100% financing for eligible rural and suburban properties. Underused and often overlooked — I'll check if you qualify.

Down$0
AreasUSDA-mapped
 Luxury

Jumbo

10–20% down · 700+ FICO

Above conventional loan limits. Structured for high-value primary homes, second homes, and investment properties.

Min down10%
Loan range$806K+
 Refinance

Refi & Cash-Out

Rate/term · Cash-out · HELOC

Rate-and-term, cash-out, or debt consolidation. I'll show you the real break-even math before you commit.

TypeAll
Break-evenCalculated
“
Edwin is very professional and had great communication with us throughout the whole process. This was by far my best and easiest experience obtaining a loan. I highly recommend him for your lending needs.
JM
Juan G.M.
Davenport, FL · Verified Client · July 2026
★★★★★ 4.95 / 5 across 285 reviews Experience.com 4.93 Google 4.99 Facebook 5.0 Zillow 5.0

Ready to talk numbers?
Let's get you pre-approved.

Free, no-obligation. No credit pull for the initial conversation. Same-day pre-approval in most cases. Let's find out what's possible.

Start Pre-Approval → Book a 15-min call