Luis Moro Mortgage expert
Luis Moro, Mortgage Consultant

Luis Moro

I'm your friend in the Lending Business

Commercial - Residential - Business

  • I have thirty years experience in the mortgage business.
  • I know how to get you the best rate.
  • Apply with me today.
Commercial Real Estate Loans
Commercial Loan Options
California Low Rate Mortgages
Diverse Mortgage Circumstances
Business Loans SBA
Business Loan Options
Apply Now Luis Moro Mortgage Loans
Commercial Loan
Residential Mortgages
California Low Rate Loan
Commercial Real Estate Loans
Diverse Residential Loan
Business Loans SBA
Business Loan

Two Steps

Commercial Real Estate Loans
Commercial Real Estate
Loan Types
  • Acquisition and development
  • Bond
  • Bridge loans
  • Hard Money Loans
  • New Construction
  • Forward commitments
  • Joint ventures
  • Mezzanine
  • Nonrecourse
  • Notes purchased
  • Purchase
  • Refinance: Cash-Out
  • Refinance: Rate and Term
  • Remodel/renovation
  • SBA loans
  • Fix and Flip
Property
  • Agricultural (ranches and farms)
  • Automotive (gas stations, carwashes, etc.)
  • Churches
  • Hospitality (motels and hotels)
  • Industrial
  • Land
  • Leisure (golf courses, marinas, RV parks, etc.)
  • Medical (hospitals, clinics, etc.)
  • Mixed-use properties
  • Mobile, manufactured home parks
  • Multifamily
  • Office buildings, complexes
  • Office condos
  • Owner-occupied businesses
  • Parking lot sites
  • Rehabilitation facilities
  • Retail (shopping centers/strip malls)
  • Self-storage
  • Single-tenant buildings
CA Low Rate Mortgages
Fixed Rate Mortgages
  • 30 Year Fixed
  • 15 Year Fixed

PROS

  • Monthly payments are fixed over the life of the loan
  • Interest rate does not change
  • Protected if rates go up
  • Can refinance if rates go down

CONS

  • Higher interest rate
  • Higher mortgage payments
  • Rate does not drop if interest rates improve
adjustable Rate Mortgages
  • 10/1 ARM
  • 7/1 ARM
  • 3/1 ARM
  • 1 year ARM
  • 6 month ARM
  • 1 month  ARM

PROS

  • Lower initial monthly payment
  • Lower payment over a shorter period time
  • Rates and payments may go down if rates improve
  • May qualify for higher loan amounts

CONS

  • More risk
  • Payments may change over time
  • Potential for high payments if rates go up
Stated income programs

PROS

  • Don’t need to verify income
  • Faster approval

CONS

  • Higher rates
  • Higher payments
Diverse Mortgages
Imperfect Credit Program

PROS

  • Potential for reestablishing credit if you pay your mortgage on time
  • When used for debt consolidation, you may be able to reduce your monthly debt payment

CONS

  • Higher rates
  • Terms may not be as favorable
  • Harder to get long term fixed loans
  • Loans may have prepayment penalties
Home equity / line of credit

PROS

  • You only borrow what you need
  • Pay interest only on what you borrow
  • Flexible access to funds
  • Interest may be tax deductible

CONS

  • Rates can change, max rates are normally high
  • Payments can change
  • Harder to refinance your first mortgage
Business Loans SBA
Business Loans
Business lines of credit

You will win with me on your team. I have thirty years experience securing great rates and terms for commercial and residential real estate clients.  I also offer capital for your business. 

A Business line of credit is offered like a credit card for businesses for a lot of different reasons. A business will have a predetermined amount of credit with one of our banks and can use it over time as needed for working capital. Collateral is not usually required unless the business has poor credit when they apply. The amount issued for a business line of credit depends on the business’s credit rating and cash flow.

SBA Loans

SBA provides loans for people who are looking to start a business or expand an existing business. SBA participates in a number of loan programs designed for business owners who may have trouble qualifying for a traditional bank loan.  

Accounts receivables Factoring

With the challenging economic environment, Accounts Receivable Factoring has become an important option for many small and medium companies. By offering Accounts Receivable Factoring services, we can help you alleviate short-term cash flow shortages by enabling you to use your Accounts Receivable as security for short-term lines of credit or cash. 

Equipment Leasing

The equipment leasing market is a fast growing segment of the commercial lending market. All companies must invest in equipment to grow their business and to improve their company’s overall efficiency. Equipment financing or leasing is an ideal way for corporations to purchase new equipment without investing a significant amount of capital upfront.

Apply Now Luis Moro Mortgage Loans
Commercial Loan
Residential Mortgages
California Low Rate Loan
Commercial Real Estate Loans
Diverse Residential Loan
Business Loans SBA
Business Loan
California Mortgage Loan Rates
Loans made or arranged pursuant to a licensed issued by the California Department of Business Oversight, License #60DBO83886, NMLS #328875 Luis Moro NMLS# 1583744