Enmanuel Sanchez
Hello! I’m Enmanuel, a passionate loan officer based in Aurora, CO, proudly licensed in Colorado, Texas and Florida. Born in Venezuela and driven by a lifelong love for helping others achieve their dreams, I specialize in making homeownership more than just a goal – I make it a reality.
From first-time homebuyers to long-time investors, I guide clients with transparency, dedication and a commitment to a smooth, stress-free mortgage experience. Whether it’s conventional, FHA, VA, USDA or a more unique solution like DSCR, ITIN or Bank Statement loans, America’s #1 Retail Mortgage Lender has you covered.
Fluent in both English and Spanish, I’m here to serve diverse communities with care, clarity and cultural understanding. My mission? To be the kind of mortgage pro who’s not just in it for the transaction but for the long-term relationship. Let’s connect and make it happen.
When I’m not helping clients, I’m spending time with my amazing wife and our three spoiled French Bulldogs.
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Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.