JAY GOMEZ
NMLS#2020258
When you choose Jay Gomez, Powered by Mpire Financial, you can expect exceptional service and expert guidance in navigating the mortgage landscape. With a friendly and professional approach, he provides clear explanations of the extensive range of mortgage products, including ARMs, DCSRs, and conventional products. His priority is to walk you through the advantages and risks associated with each loan option, empowering you to make informed decisions.
By working with Jay Gomez, Powered by Mpire Financial, you gain access to flexible appointment scheduling, continuous availability, and his unwavering commitment to customer satisfaction. Jay will conduct a comprehensive assessment of your financial situation, ensuring that you qualify for a loan that aligns with your budgetary requirements. He strives to secure the most favorable rates available while addressing your needs to create a seamless experience.
Jay has a background in real estate. He has been involved in real estate in various ways for over a decade after his parents began investing when he was a child. Plus, his financial and business acumen ensure he can assist you with 1031 exchanges, trusts, and other legacy planning tools through his trusted network of advisors.
Although Jay is based in Orlando and serves Central Florida, Mpire conducts business nationwide, continuously expanding our reach to new states. Reach out to Jay today and let him assist you in making intelligent financial choices.
My Specialized Loan Products
DSCR
A DSCR loan is a measure of the cash flow a borrower has to pay against current debt obligations for an investment property. A DSCR loan is a type of non-QM loan used by real estate investors to help them qualify for a loan based on their property’s cash flow, without having to verify personal income.
BANK STATEMENT (Self Employed)
What is a bank statement loan? Bank statement loans allow self-employed borrowers to apply for a home loan without having to provide pay stubs and W-2’s from the past two years of employment.
1099 (Self Empolyed)
A 1099 income loan is for self-employed or independent contract workers who have difficulty qualifying for a conventional mortgage loan. Lenders look at income from a 1099 instead of tax returns.
FIX & FLIP
A fix and flip loan is short-term financing that real estate investors use to buy and renovate a property in order to resell it for a profit, a process known as house flipping
No Income Verification Loan
A no doc mortgage is often referred to as a no-income verification mortgage. As the name implies, this type of loan does not require a lender to verify how much you earn. These are also sometimes called NINJA mortgages, which stands for no income, no job or assets.
JUMBO
A jumbo loan is a type of conventional loan that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA) for Fannie Mae and Freddie Mac. In 2023, single-family mortgages with balances higher than $726,200 in most U.S. counties (and $1,089,300 in high-cost areas) will be considered jumbo.
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