Treated Like
Family.
23+ years in Tampa Bay walking buyers through every option — until the numbers actually make sense. First-time buyers and the self-employed especially welcome.
Ways To Get You In
Which one is right depends entirely on your credit, your income, and where you’re buying. Here’s the honest rundown.
Fannie Mae and Freddie Mac financing with as little as 3% down. Solid credit and steady income earn the best pricing — and once you reach 20% equity, the mortgage insurance comes off for good.
Government-backed, 3.5% down, and far more forgiving on credit history and debt ratios. Often the right call when the score isn’t there yet.
For active duty, veterans, and surviving spouses. No down payment, no monthly mortgage insurance, and rates that are hard to beat. If you served, this is usually the strongest option on the table.
100% financing for homes in eligible rural and semi-rural areas — and more of the Tampa Bay outskirts qualifies than people expect. Income limits apply, so we check the map and the math together.
For loan amounts past conforming limits. Bigger files, tighter documentation, and pricing that rewards preparation — which is exactly why it helps to work with someone who has closed a lot of them.
Providence Roots.
Tampa Bay Home.
Carlos is a seasoned mortgage professional with over 23 years of experience helping families achieve the dream of homeownership. Originally from Providence, Rhode Island, he has built his career guiding clients — from first-time homebuyers to experienced investors — through every step of the lending process.
Now based in Tampa, Florida, Carlos specializes in Conventional, FHA, USDA, Jumbo, VA, and Down Payment Assistance programs. Dedicated to education and transparency, he makes sure his clients understand their options and feel confident in their decisions.
Known for his personable approach and a commitment to treating every client like family, he works to make the mortgage experience smooth, straightforward, and stress-free. Outside of work, Carlos enjoys life in Florida with his wife Leticia and their four children — golfing, swimming, and soaking up the sunshine.
Apply TodayBuilt For Real Situations
Most buyers do not fit the clean example in the brochure. These are the situations that come across my desk most.
You have never done this before and every article you read contradicts the last one. We start with what you can actually afford, then work backward into a plan you understand.
Your tax returns rarely tell the whole story. Alternative documentation and bank statement options qualify you on the income you actually earn, not just the line at the bottom of a return.
You earned a benefit most buyers never get access to. The job is making sure you use all of it — zero down, no monthly mortgage insurance, and a rate worth having.
A second home, a bigger house, or another door for the portfolio. Twenty-three years of closed files means far fewer surprises turn up on yours.
Licensed States
Carlos is personally licensed in Florida. Highland Mortgage is licensed in 44 states — if you are outside Florida, he can point you to the right person on the team.
Ready To Get Started?
A few minutes to find out what you actually qualify for. No commitment and no pressure — just a straight answer from someone who has done this for 23 years.