Your local lending resource
Clear answers. Real follow-through.
I help homebuyers, homeowners, and real estate investors navigate financing with clarity and confidence. As a Mortgage Loan Officer with Mac Mortgage Inc., I provide personalized options across FHA, VA, Conventional, USDA, and Non-QM programs.
Based in El Centro and serving Imperial and San Diego Counties in English and Spanish, I stay accessible from the first conversation through closing. More about me →
How it works
Three steps to your keys.
Let's talk
Call, text, or email. Tell me your goals and I'll lay out your real options, in English or Spanish.
Get pre-approved
Fast, clear pre-approval with real numbers, so you can shop for your home with confidence.
Close with confidence
I stay with you from underwriting to keys, with clear answers at every step and no surprises.
Loan programs
Financing that fits your situation.
FHA
Low down payment and flexible credit guidelines. A common fit for first-time buyers.
VA
Zero down payment for eligible veterans, active-duty service members and surviving spouses.
Conventional
Strong rates for solid credit, with options for higher loan amounts.
USDA
Zero down for eligible homes in qualifying rural areas.
Non-QM
Bank-statement and alternative-documentation loans for self-employed borrowers.
Refinance
Lower your rate or payment, or take cash out, when the numbers make sense for you.
National recognition
Recognized among the nation’s leading Latino mortgage originators.
Named a 2026 NAHREP Top 250 Latino Mortgage Originator and ranked #41 in the Southwest, with 90 transactions and $36,997,925 in production.
Client reviews
Trusted by homebuyers.
5.0 on Google · 20 reviews
★★★★★“My husband and I would recommend working with Braulio and his team because they’re super efficient.”
Cinthia Martinez
★★★★★“La experiencia al gestionar el financiamiento para mi hogar ha sido sumamente profesional y eficiente.”
Omar Rodriguez
★★★★★“He’s knowledgeable in what he does, kind, and patient. … Truly put us at ease with this whole process.”
Priscilla Castellano
Service area
Home loans across Imperial and San Diego Counties.
From my office in El Centro, I help buyers and homeowners throughout the Imperial Valley and San Diego County.
Ready when you are.
Call or text me. Reviewing your documents costs nothing; the only upfront cost is a soft-pull credit report, which doesn't affect your score.