Ernany Pires
LOAN OFFICER NMLS 2306682
- FL, MA
My Belief & Hard Skills
Better serving my clients is a continuous journey. To be the best I can be for you, I’ve mastered a detailed understanding of each position involved in the home loan process. My strength is utilizing technology to streamline the mortgage process and make the transaction as simple as possible.
It’s my belief that communication is key when working with clients, which is why my fluency in English, Spanish, and Portuguese is so helpful. Being able to easily explain a process many consider complex promotes confidence – and I want you to feel secure every step of the way.
Whether you’re buying, refinancing, or renovating, I offer a wide range of products to get it done. From conventional and jumbo to FHA, VA, USDA, ITIN, and more, we’ll go over the details and develop a personalized mortgage plan for you. I look forward to giving you an outstanding home financing experience.
Step-by-Step Guide to Qualifying for the Home Buying Process
Download your free Step-by-Step Guide today!
VIDEO
VIDEOS
TESTIMONIALS
Check out these videos what some of my clients have to said about me. Let my team and I guide you to a better place!
Kettie and Sabbe
We met somewhere 2 years prior through a past client, very disciplined couple had all the intention to become a homeowner.
Patrick and Medlaine
Sweetest couple that understood the meaning of equity building when becoming a homeowner. The wife dream was to live close to work…
Regina and Tim
his couple (Regina & Tim) We met somewhere 6-9 months prior their purchase to go over their budget and location of interest.
Get a quote without a hard inquiry to your personal credit.
We welcome and celebrate different perspectives to help our clients. Leave your slow, old-school bank in the dust. Join the future of mortgages.
Most Popular Questions
We help you see the world differently, discover opportunities you may never have imagined and achieve results that bridge what is with what can be.
The many different types of loan programs available can seem overwhelming. Should you choose a fixed rate, adjustable rate, or government loan mortgage? The truth is there is no right answer... Read More
Contrary to popular belief, you do not need a social security number in order to secure a mortgage. You can qualify for a mortgage with an ITIN number as long as you meet the requirements for the loan. Read More
- Historically, the choice between renting or buying a home has been a tough decision.
- Looking at the percentage of income needed to rent a median-priced home today (28.8%) vs. the percentage needed to buy a median-priced home (17.1%), the choice becomes obvious.
- Every market is different. Before you renew your lease again, find out if you can put your housing costs to work by buying this year!
.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
The Definition of Active Contingent
The true definition of a home that is active contingent is that the home has an offer on it, but the buyer has contingencies on their offer. Continue...
Just because you can view active contingent homes, doesn’t mean you will be able to buy it. If the original buyer is able to clear all of the contingencies, the home changes to pending status and is no longer. Read More.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
order to better understand a Non-QM, it is helpful to be familiar with the criteria of a qualified mortgage. A qualified mortgage (QM-loan) is a home loan that meets certain standards set forth by the Consumer Protection Act and the Dodd-Frank Wall Street Reform Act, signed by President Obama following the 2008 housing crisis.
The requirements for a qualified mortgage include:
- Verification of income is required, otherwise known as the “ability-to-repay” rule
- The debt ratio cannot exceed 43%
- Points and fees should not exceed 3% of the loan amount
- The loan cannot have risky features such as negative amortization or interest-only
- The loan term cannot exceed 30 years
These guidelines were adopted by the Consumer Financial Protection Bureau (CFPB) to help prevent poor lending practices that sparked the previous financial crisis.
Mortgage calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
Recent Posts & Articles
Gil De Paula
Compliance & Risk Officer NMLS 1239255
- FL, MA
My Belief & Hard Skills
Gil Carlos De Paula was born and raised in Brazil. He moved to the United States in 1999 and became a U.S. citizen. He is an active member of the local Brazilian Community, providing free seminars and one on one education for first-time home buyers. Furthermore, he is fluent in Portuguese and passionate about helping people improve their quality of life; making him the go-to loan officer for the Brazilian Community.
A licensed Loan Officer since 2015 with the highest level of work ethic imaginable. Gil is very detail oriented and always has a positive attitude. Gil has more than 15 years of customer service experience, plus a wide range of mortgage product knowledge in both, conventional and government loan programs. He’s a Certified Military Home Specialist and is committed to helping his clients achieve the dream of homeownership.
When Gil isn’t helping his clients, he enjoys spending time with his family and friends. He loves playing soccer, bicycling, hiking, and the beach. He’s a local volunteer coach for Stoughton Youth Soccer for the ages 14 & under and is also active in other local charities and organizations.
Step-by-Step Guide to Qualifying for the Home Buying Process
Download your free Step-by-Step Guide today!
Get a quote without a hard inquiry to your personal credit.
We welcome and celebrate different perspectives to help our clients. Leave your slow, old-school bank in the dust. Join the future of mortgages.
Most Popular Questions
We help you see the world differently, discover opportunities you may never have imagined and achieve results that bridge what is with what can be.
The many different types of loan programs available can seem overwhelming. Should you choose a fixed rate, adjustable rate, or government loan mortgage? The truth is there is no right answer... Read More
Contrary to popular belief, you do not need a social security number in order to secure a mortgage. You can qualify for a mortgage with an ITIN number as long as you meet the requirements for the loan. Read More
- Historically, the choice between renting or buying a home has been a tough decision.
- Looking at the percentage of income needed to rent a median-priced home today (28.8%) vs. the percentage needed to buy a median-priced home (17.1%), the choice becomes obvious.
- Every market is different. Before you renew your lease again, find out if you can put your housing costs to work by buying this year!
.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
The Definition of Active Contingent
The true definition of a home that is active contingent is that the home has an offer on it, but the buyer has contingencies on their offer. Continue...
Just because you can view active contingent homes, doesn’t mean you will be able to buy it. If the original buyer is able to clear all of the contingencies, the home changes to pending status and is no longer. Read More.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
order to better understand a Non-QM, it is helpful to be familiar with the criteria of a qualified mortgage. A qualified mortgage (QM-loan) is a home loan that meets certain standards set forth by the Consumer Protection Act and the Dodd-Frank Wall Street Reform Act, signed by President Obama following the 2008 housing crisis.
The requirements for a qualified mortgage include:
- Verification of income is required, otherwise known as the “ability-to-repay” rule
- The debt ratio cannot exceed 43%
- Points and fees should not exceed 3% of the loan amount
- The loan cannot have risky features such as negative amortization or interest-only
- The loan term cannot exceed 30 years
These guidelines were adopted by the Consumer Financial Protection Bureau (CFPB) to help prevent poor lending practices that sparked the previous financial crisis.
Madina Madraimova
First-time Home buyer
Kamila Rocha
First-time home buyer.
Yi-Pin Chang
Home BuyerMortgage calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
Recent Posts & Articles
Alessio Mello
LOAN OFFICER NMLS 2115536
- FL, MA
My Belief & Hard Skills
As a professional with over 20 years of real estate experience, you can be sure you’re getting the highest quality care with me. I’ve had the pleasure of working in one of the 10 largest banks in America – which taught me more than a little bit about the mortgage industry! Whether you’re buying your first home or ninth, my team and I will make your home financing experience exceptional.
From application to closing, I’m committed to providing the highest quality of service, attention to detail, and clear communication. I’ll start by listening to your homeownership goals and answering your questions about how to achieve them. We’ll discuss the steps between applying for financing and closing your loan. You’ll receive regular loan status updates, and I’ll guide you every step of the way.
No matter if you’re buying, refinancing, or renovating, I’m excited to provide a personalized mortgage plan and help you achieve your dreams.
Step-by-Step Guide to Qualifying for the Home Buying Process
Download your free Step-by-Step Guide today!
Get a quote without a hard inquiry to your personal credit.
We welcome and celebrate different perspectives to help our clients. Leave your slow, old-school bank in the dust. Join the future of mortgages.
Most Popular Questions
We help you see the world differently, discover opportunities you may never have imagined and achieve results that bridge what is with what can be.
The many different types of loan programs available can seem overwhelming. Should you choose a fixed rate, adjustable rate, or government loan mortgage? The truth is there is no right answer... Read More
Contrary to popular belief, you do not need a social security number in order to secure a mortgage. You can qualify for a mortgage with an ITIN number as long as you meet the requirements for the loan. Read More
- Historically, the choice between renting or buying a home has been a tough decision.
- Looking at the percentage of income needed to rent a median-priced home today (28.8%) vs. the percentage needed to buy a median-priced home (17.1%), the choice becomes obvious.
- Every market is different. Before you renew your lease again, find out if you can put your housing costs to work by buying this year!
.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
The Definition of Active Contingent
The true definition of a home that is active contingent is that the home has an offer on it, but the buyer has contingencies on their offer. Continue...
Just because you can view active contingent homes, doesn’t mean you will be able to buy it. If the original buyer is able to clear all of the contingencies, the home changes to pending status and is no longer. Read More.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
order to better understand a Non-QM, it is helpful to be familiar with the criteria of a qualified mortgage. A qualified mortgage (QM-loan) is a home loan that meets certain standards set forth by the Consumer Protection Act and the Dodd-Frank Wall Street Reform Act, signed by President Obama following the 2008 housing crisis.
The requirements for a qualified mortgage include:
- Verification of income is required, otherwise known as the “ability-to-repay” rule
- The debt ratio cannot exceed 43%
- Points and fees should not exceed 3% of the loan amount
- The loan cannot have risky features such as negative amortization or interest-only
- The loan term cannot exceed 30 years
These guidelines were adopted by the Consumer Financial Protection Bureau (CFPB) to help prevent poor lending practices that sparked the previous financial crisis.
Distribuidora J.L.C.
Thiago Asturiano A. Fernandes
Mortgage calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
Recent Posts & Articles
Marcos De Aquino
Loan Officer NMLS 2299337
My Belief & Hard Skills
When you come to me for your mortgage, I begin by listening. I want to understand your goals and priorities, so I can offer a home loan that’s right for you. You may be a first-time homebuyer or a long-time homeowner. You may be buying an investment property or looking for a renovation loan. I offer a wide range of loan programs, from FHA and VA to conventional, jumbo and Foreign National. You are an individual and my recommendations will respect your unique circumstances. Communication is key, and sharing information is as important as listening. I will make sure you know what’s happening with your mortgage as it progresses through the process and will be available to answer your questions. I’ll be with you every step of the way, from application to closing and beyond. Whether you are buying, refinancing, or renovating, I am ready to give you the outstanding home loan experience you deserve
Step-by-Step Guide to Qualifying for the Home Buying Process
Download your free Step-by-Step Guide today!
VIDEO
VIDEOS
TESTIMONIALS
Check out these videos what some of my clients have to said about me. Let my team and I guide you to a better place!
Priscilla
Watch Priscila share her journey to closing on our dream home at Casa dos Sonhos. Her testimonial is a testament to our commitment…
Adriana and Sami
Join Adriana and Sami as they share their heartwarming story of buying their new home. Watch their video to see how Marcos helped…
Paulo e Márcia
Embark on a heartwarming journey with Paulo and Márcia as they find their dream home. Tune in to their video for an inside look at how…
Get a quote without a hard inquiry to your personal credit.
We welcome and celebrate different perspectives to help our clients. Leave your slow, old-school bank in the dust. Join the future of mortgages.
Most Popular Questions
We help you see the world differently, discover opportunities you may never have imagined and achieve results that bridge what is with what can be.
The many different types of loan programs available can seem overwhelming. Should you choose a fixed rate, adjustable rate, or government loan mortgage? The truth is there is no right answer... Read More
Contrary to popular belief, you do not need a social security number in order to secure a mortgage. You can qualify for a mortgage with an ITIN number as long as you meet the requirements for the loan. Read More
- Historically, the choice between renting or buying a home has been a tough decision.
- Looking at the percentage of income needed to rent a median-priced home today (28.8%) vs. the percentage needed to buy a median-priced home (17.1%), the choice becomes obvious.
- Every market is different. Before you renew your lease again, find out if you can put your housing costs to work by buying this year!
.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
The Definition of Active Contingent
The true definition of a home that is active contingent is that the home has an offer on it, but the buyer has contingencies on their offer. Continue...
Just because you can view active contingent homes, doesn’t mean you will be able to buy it. If the original buyer is able to clear all of the contingencies, the home changes to pending status and is no longer. Read More.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
order to better understand a Non-QM, it is helpful to be familiar with the criteria of a qualified mortgage. A qualified mortgage (QM-loan) is a home loan that meets certain standards set forth by the Consumer Protection Act and the Dodd-Frank Wall Street Reform Act, signed by President Obama following the 2008 housing crisis.
The requirements for a qualified mortgage include:
- Verification of income is required, otherwise known as the “ability-to-repay” rule
- The debt ratio cannot exceed 43%
- Points and fees should not exceed 3% of the loan amount
- The loan cannot have risky features such as negative amortization or interest-only
- The loan term cannot exceed 30 years
These guidelines were adopted by the Consumer Financial Protection Bureau (CFPB) to help prevent poor lending practices that sparked the previous financial crisis.
Mortgage calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
Recent Posts & Articles
Rubia Rezende
Loan Officer NMLS 2517875
My Belief & Hard Skills
Better serving my clients is a continuous journey. To be the best I can be for you, I’ve mastered a detailed understanding of each position involved in the home loan process. My strength is utilizing technology to streamline the mortgage process and make the transaction as simple as possible.
It’s my belief that communication is key when working with clients, which is why my fluency in English, Spanish, and Portuguese is so helpful. Being able to easily explain a process many consider complex promotes confidence – and I want you to feel secure every step of the way.
Whether you’re buying, refinancing, or renovating, I offer a wide range of products to get it done. From conventional and jumbo to FHA, VA, USDA, ITIN, and more, we’ll go over the details and develop a personalized mortgage plan for you. I look forward to giving you an outstanding home financing experience.
Step-by-Step Guide to Qualifying for the Home Buying Process
Download your free Step-by-Step Guide today!
Get a quote without a hard inquiry to your personal credit.
We welcome and celebrate different perspectives to help our clients. Leave your slow, old-school bank in the dust. Join the future of mortgages.
Most Popular Questions
We help you see the world differently, discover opportunities you may never have imagined and achieve results that bridge what is with what can be.
The many different types of loan programs available can seem overwhelming. Should you choose a fixed rate, adjustable rate, or government loan mortgage? The truth is there is no right answer... Read More
Contrary to popular belief, you do not need a social security number in order to secure a mortgage. You can qualify for a mortgage with an ITIN number as long as you meet the requirements for the loan. Read More
- Historically, the choice between renting or buying a home has been a tough decision.
- Looking at the percentage of income needed to rent a median-priced home today (28.8%) vs. the percentage needed to buy a median-priced home (17.1%), the choice becomes obvious.
- Every market is different. Before you renew your lease again, find out if you can put your housing costs to work by buying this year!
.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
The Definition of Active Contingent
The true definition of a home that is active contingent is that the home has an offer on it, but the buyer has contingencies on their offer. Continue...
Just because you can view active contingent homes, doesn’t mean you will be able to buy it. If the original buyer is able to clear all of the contingencies, the home changes to pending status and is no longer. Read More.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
order to better understand a Non-QM, it is helpful to be familiar with the criteria of a qualified mortgage. A qualified mortgage (QM-loan) is a home loan that meets certain standards set forth by the Consumer Protection Act and the Dodd-Frank Wall Street Reform Act, signed by President Obama following the 2008 housing crisis.
The requirements for a qualified mortgage include:
- Verification of income is required, otherwise known as the “ability-to-repay” rule
- The debt ratio cannot exceed 43%
- Points and fees should not exceed 3% of the loan amount
- The loan cannot have risky features such as negative amortization or interest-only
- The loan term cannot exceed 30 years
These guidelines were adopted by the Consumer Financial Protection Bureau (CFPB) to help prevent poor lending practices that sparked the previous financial crisis.
Madina Madraimova
First-time Home buyerKamila Rocha
First-time home buyer.Yi-Pin Chang
Home BuyerMortgage calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
Recent Posts & Articles
Marcello Albuquerque
Loan Officer NMLS 2181704
My Belief & Hard Skills
When you come to me for your mortgage, I begin by listening. I want to understand your goals and priorities so I can offer a home loan that’s right for you. You may be a first-time homebuyer or a long-time homeowner. You may be buying an investment property or looking for a renovation loan.
I offer a wide range of loan programs, from FHA and VA to conventional, jumbo and Foreign National. You are an individual and my recommendations will respect your unique circumstances. Communication is key, and sharing information is as important as listening. I will make sure you know what’s happening with your mortgage as it progresses through the process and will be available to answer your questions.
I’ll be with you every step of the way, from application to closing and beyond. Whether you are buying, refinancing, or renovating. I am always available to answer your questions. My goal is to guide you to a better place and yet give you the outstanding home loan experience you deserve.
Step-by-Step Guide to Qualifying for the Home Buying Process
Download your free Step-by-Step Guide today!
Get a quote without a hard inquiry to your personal credit.
We welcome and celebrate different perspectives to help our clients. Leave your slow, old-school bank in the dust. Join the future of mortgages.
Most Popular Questions
We help you see the world differently, discover opportunities you may never have imagined and achieve results that bridge what is with what can be.
The many different types of loan programs available can seem overwhelming. Should you choose a fixed rate, adjustable rate, or government loan mortgage? The truth is there is no right answer... Read More
Contrary to popular belief, you do not need a social security number in order to secure a mortgage. You can qualify for a mortgage with an ITIN number as long as you meet the requirements for the loan. Read More
- Historically, the choice between renting or buying a home has been a tough decision.
- Looking at the percentage of income needed to rent a median-priced home today (28.8%) vs. the percentage needed to buy a median-priced home (17.1%), the choice becomes obvious.
- Every market is different. Before you renew your lease again, find out if you can put your housing costs to work by buying this year!
.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
The Definition of Active Contingent
The true definition of a home that is active contingent is that the home has an offer on it, but the buyer has contingencies on their offer. Continue...
Just because you can view active contingent homes, doesn’t mean you will be able to buy it. If the original buyer is able to clear all of the contingencies, the home changes to pending status and is no longer. Read More.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
order to better understand a Non-QM, it is helpful to be familiar with the criteria of a qualified mortgage. A qualified mortgage (QM-loan) is a home loan that meets certain standards set forth by the Consumer Protection Act and the Dodd-Frank Wall Street Reform Act, signed by President Obama following the 2008 housing crisis.
The requirements for a qualified mortgage include:
- Verification of income is required, otherwise known as the “ability-to-repay” rule
- The debt ratio cannot exceed 43%
- Points and fees should not exceed 3% of the loan amount
- The loan cannot have risky features such as negative amortization or interest-only
- The loan term cannot exceed 30 years
These guidelines were adopted by the Consumer Financial Protection Bureau (CFPB) to help prevent poor lending practices that sparked the previous financial crisis.
Mortgage calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
Recent Posts & Articles
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