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Get to Know Ernesto Perez
Dedicated to Simplifying Homeownership and getting you the Clear to Close
Ernesto Perez is a dedicated father, husband, Marine Corps veteran, and loan officer with a passion for helping families achieve their dream of homeownership. As a father to two young children, Adina and Desmond, and a proud husband to his college sweetheart, Ernesto understands the importance of creating a stable and nurturing home. His experience in the Marines instilled in him the discipline, perseverance, and service-oriented mindset that now guide his work as Sales Manager at CTC Mortgage
With roots tied to El Salvador and a deep appreciation for his family’s resilience, Ernesto is committed to making the mortgage process simple and approachable. He takes pride in helping first-time buyers, self-employed clients, and anyone striving to secure a home for their family. When he’s not assisting clients, Ernesto enjoys spending time with his kids, creating content on mortgage trends, and planning family adventures.
NMLS# 869482
SERVICES
Tailored loan options for every stage of life.
01
FHA
Loans
FHA loans are government-backed mortgages designed to help first-time homebuyers and those with lower credit scores or limited down payment funds. With flexible qualification requirements and as little as 3.5% down, these loans make homeownership more accessible. FHA loans are a great option if you’re looking for affordability and lower barriers to entry.
02
Conventional Loans
Conventional loans are non-government-backed mortgages offering competitive interest rates and flexible terms. Ideal for borrowers with good credit and stable income, these loans typically require a 5-20% down payment. Conventional loans are versatile and can be used for primary residences, second homes, or investment properties.
03
VA
Loans
VA loans are exclusive to eligible veterans, active-duty service members, and their families. Backed by the Department of Veterans Affairs, these loans offer significant benefits, including no down payment, no private mortgage insurance (PMI), and competitive interest rates. VA loans make it easier for those who have served to achieve their homeownership goals.
04
Refinancing
Home Loans
Refinancing allows homeowners to replace their current mortgage with a new one to secure better terms. This can lower your interest rate, reduce monthly payments, or convert equity into cash. Refinancing is a powerful tool to save money, shorten your loan term, or fund other financial goals.
05
Investment Property Loans
Investment property loans are designed for borrowers looking to purchase or refinance rental properties or other income-generating real estate. These loans typically have stricter qualification requirements and higher interest rates than traditional mortgages but offer the opportunity to build wealth through real estate investment. Perfect for growing your portfolio!
Ernesto Perez is a dedicated father, husband, Marine Corps veteran, and loan officer with a passion for helping families achieve their dream of homeownership. As a father to two young children, Adina and Desmond, and a proud husband to his college sweetheart, Ernesto understands the importance of creating a stable and nurturing home. His experience in the Marines instilled in him the discipline, perseverance, and service-oriented mindset that now guide his work as Sales Manager at CTC Mortgage
With roots tied to El Salvador and a deep appreciation for his family’s resilience, Ernesto is committed to making the mortgage process simple and approachable. He takes pride in helping first-time buyers, self-employed clients, and anyone striving to secure a home for their family. When he’s not assisting clients, Ernesto enjoys spending time with his kids, creating content on mortgage trends, and planning family adventures.
NMLS# 869482
BENEFITS
Resources to get you started...
Homebuyer
Education
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Step-by-Step Guide to Buying a Home
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Mortgage Glossary (Explaining terms like APR, PMI, etc.)
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FAQs
Agent
Resources
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Tips for Agents
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Co-branded marketing materials
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Educational Information for Agents
Blog
Discover tips for first-time homebuyers and gain a better understanding of the home loan process
TESTIMONIALS
What home buyers are saying...
Ernesto is awesome. He went above and beyond. If everybody had the work ethic and dedication that Ernesto has, the world would be a better place.
Ernesto and his teams knowledge is second to none, I felt I was dealing with a professional at all times. What I’m most impressed with is Ernesto‘a response time. Anyone who is buying a home knows how stressful this process is, having someone like Ernesto responding to your questions within minutes takes the stress out of the equation.
Kou C.
Ernesto Perez made it easy for me. I had to fast close on a property and was able to close in 3 weeks. Ernesto answered all my questions promptly and given the circumstances, was even available for me to text him after work hours. Definately hit up Ernesto Perez if you are in need of a loan. It was probably one of my smoothest closes.
Nick C.