Your home is not
a dream. It's your
next step.
Préstamos de Casas is the Spanish mortgage guide your family deserves. Learn, qualify, and close — with someone who speaks your language and understands your story.
Years of Experience
John Edmead, NMLS #317201, has helped Hispanic families obtain mortgages since 1997.
Hispanic Households in the US
Number of Hispanic households in the United States with home buying potential.
Projected Growth
Projected increase in Hispanic homeownership by 2040.
National Recognition
NAHREP Top 250 · National Mortgage News Top Producer · Scotsman's Guide Top Producer.
All figures are based on public data or documented experience. No inflated estimates.
Meet Pepe the Prestamista™ — your personal mortgage guide
Also known as Lender Pepe™.
Pepe is here so the home buying process doesn't keep you up at night. No complicated terms. No confusing fine print. Just clear answers, in Spanish, with a smile.
Ask about FHA programs, ITIN loans, down payment, your credit — everything you need to know before taking the first step.
The right loan for your situation
Not all loans are the same. Here we explain your options in simple terms.
FHA Loan
The favorite for first-time buyers. Only 3.5% down payment needed and credit scores from 580 accepted.
Conventional
Ideal if you have good credit and want to avoid long-term mortgage insurance. From 3% down.
VA Loan
The benefit you earned. Zero down payment, no monthly mortgage insurance for veterans and active military.
USDA Loan
Buy your home in suburban or rural áreas with no down payment. If you qualify by income, this is your option.
ITIN Loan
No SSN? With your ITIN number you can own your home. We work with special programs for the community.
DPA Assistance
Programs to help with down payment and closing costs. Many are funds you don't have to pay back.
Program availability, rates, limits, and requirements vary and are subject to change. All loans are subject to credit approval and underwriting. This is not a loan commitment. Contact John Edmead (NMLS #317201) for options for your situation.
Monthly Payment Calculator
*Educational estimate using an example rate. APR is not shown. Does not include taxes, insurance, PMI, or HOA. Subject to credit approval. Rates and programs change. This is not a loan commitment.
Knowing your payment is the first step
In less than 30 seconds, know how much you'd pay per month. No commitments, no credit check.
Enter your home price
How much does the house you like cost? Use the listing price or estimate.
Add your down payment
With FHA, it can be as little as 3.5%. With VA or USDA, it can be $0.
See your payment instantly
The result is a real estimate. For an exact number, talk to John.
Self-employed?
Your loan can be too.
Miguel had money in the bank. The bank didn't know.
Miguel arrived in Orlando twelve years ago. Today, his restaurant generates $18,000 a month. He has 720 credit. But every bank told him: 'Sorry, your tax returns show very little income.'
Banks look at your tax returns. Non-QM loans look at your bank statements — what really comes in.
Who are Non-QM loans for?
Restaurant owners
Many deposits. Many deductions. Low income on paper. The bank statement loan solves it.
Contractors
You get 1099s instead of W-2s. Qualify using those forms directly.
Freelancers
Designers, developers, consultants. Your income is real — it just needs the right document.
The 4 types of Non-QM loans
Bank Statement
We use 12 or 24 months of your bank statements to calculate your real income.
- 12 or 24 months of statements
- CPA letter optional
- Minimum credit: 640
- Down payment from 15%
- Up to $4 million
1099 Form
For independent contractors. We use 90% of what your 1099s show.
- 1099-NEC from 12-24 months
- No full tax return
- Minimum credit: 640
Asset Depletion
You have investment money. We divide your assets by the loan term.
- Investment accounts
- Ideal for retirees
- Minimum credit: 660
DSCR
For investment properties. The property qualifies if rent covers the payment.
- Based on rental income
- Multiple portfolios
- Minimum credit: 660
No SSN needed to
own your home
Millions of families work, pay taxes, and dream of their own home. John Edmead has specific programs for you.
The difference you feel from the first call
100% in your language
The entire process — from application to closing — in Spanish. No translators, no confusión.
Culture that understands
John Edmead is a first-generation Dominican-American. He knows your story because he lived a similar one.
Complex case experience
ITIN, self-employment, multiple incomes, limited credit — difficult cases are our specialty.
No fluff
We tell you exactly what you need, how much it costs, and how long it takes. 30 years of clarity.
Frequently asked questions
Everything you need to know before taking the first step.
Have other questions?
Talk directly to John or ask Pepe.
Your Mortgage Strategist
John Edmead is one of yours.
Born to Dominican parents. Raised as a first-generation American. Nearly 30 years helping Hispanic families cross the threshold of their own home.
He doesn't speak Spanish as a second language. He lives it. And understands that buying a home is the dream that motivated the sacrifice of coming to this country.
Talk to John
whenever you want
Choose the day and time that works best for you. John will personally call you to answer your mortgage questions — 100% in Spanish and no obligation.
Book your call
John will confirm via email or SMS.
Your home is
closer than you
think.
Leave your details and John Edmead will contact you personally — in Spanish — within the next 24 hours.
Let's start?
Tell us a bit about you. No commitment.
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