NMLS #1558674 · NY · NJ · FL · PA
Your mortgage, done right — every time.
Whether you're buying your first home, refinancing, or investing in real estate — I provide personalized guidance from application to closing, with no surprises.
Start Your Application
Get a free quote in minutes — no credit impact.
No obligation. No hard credit pull. 100% confidential.
About Roberto
A mortgage should be about building relationships — not just closing a transaction.
"My mission is simple: to get you the right loan, not just any loan."
As a licensed mortgage loan originator with UNMB Home Loans Inc., I take a consultative approach to every deal — listening first, then crafting a financing solution tailored to your goals and financial picture.
I specialize in first-time homebuyers, conventional and FHA loans, VA loans for veterans, 203k rehabilitation loans, and reverse mortgages for seniors. My clients span New York, New Jersey, Florida, and Pennsylvania.
Loan Programs
The right loan
for every situation.
From your first home to your dream home, I offer a range of loan programs to fit your life.
Conventional Loans
Flexible terms from 10 to 30 years with competitive rates for borrowers with strong credit.
- As low as 3% down payment
- Fixed and adjustable-rate options
- No upfront mortgage insurance with 20% down
- Loan limits up to conforming maximums
FHA Loans
Government-backed loans with relaxed credit requirements — ideal for first-time buyers.
- 3.5% minimum down payment
- More flexible credit score requirements
- Higher debt-to-income ratios accepted
- Gift funds allowed for down payment
VA Loans
Exclusive benefits for eligible veterans, active-duty service members, and surviving spouses.
- 0% down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Limited closing costs
203k Rehab Loans
Finance the purchase AND renovation of a home — all in a single loan.
- Buy and renovate simultaneously
- Fixer-upper friendly
- FHA-backed with flexible credit
- Streamline and standard options
Refinance
Lower your rate, reduce your term, or tap into your home's equity with a cash-out refi.
- Rate and term refinancing
- Cash-out for home improvements or debt
- Streamline FHA and VA options
- Break-even analysis included
Reverse Mortgages
Help seniors 62+ access home equity without monthly mortgage payments.
- No monthly mortgage payments
- Stay in your home
- Access tax-free equity
- FHA-insured HECM program
How It Works
Simple. Transparent.
Stress-free.
From first conversation to keys in hand — here's exactly what to expect when you work with me.
FREE · NO OBLIGATION · 30 MINUTES
Ready to take the next step?
Book a free consultation.
Pick a time that works for you. We'll review your goals, walk through your options, and get you on the path to approval — no pressure, no credit pull.
No credit pull · 100% confidential · Available in NY, NJ, FL & PA
Client Reviews
Homeowners love working with Roberto.
Real reviews from real clients — verified on Zillow.
"Roberto made the whole process feel effortless. He explained every step and was always available to answer my questions. We closed on time without a single surprise."
"As a first-time buyer I was nervous, but Roberto walked me through everything at my own pace. He found me an FHA rate I didn't think I could qualify for. Truly exceptional service."
"I used Roberto for my VA loan and the experience was outstanding. He handled everything with professionalism and got me an incredible rate. I've already referred three friends to him."
Licensing
Licensed where you live.
Fully licensed and regulated across four states, with UNMB Home Loans Inc. — NMLS #7230.
Get In Touch
Let's talk about your mortgage.
I'm available to answer questions, walk you through your options, and get you pre-approved fast.
Levittown, NY 11756