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Our Team.
YOUR EXPERTS.
Nuestro equipo.
Son expertos.
ALBERTO GAMEZ
NICOLLE GAMEZ
WHAT PEOPLE SAY
Lo quE DICE la gentE
This was the second time that we have applied for a mortgage and working with Alberto and Nicolle really was a pleasure because they took the time talk and explain the multiple options available and explain the pros and cons of each as well. They both show that they’re really knowledgeable about what they do and I truly would recommend them to anyone who is looking into taking that step of becoming homeowners!
Esta fue la segunda vez que solicitamos una hipoteca y trabajar con Alberto y Nicolle fue realmente un placer, ya que se tomaron el tiempo para hablar y explicar las múltiples opciones disponibles, así como los pros y los contras de cada una. Ambos demostraron ser muy conocedores de lo que hacen, y realmente los recomendaría a cualquiera que esté considerando dar ese paso de convertirse en propietario de una vivienda.
Miguel P.
Shannon P.
Alberto and Nicole are extremely experienced in the mortgage business! All my questions were answered and the whole process went smoothly and fast! Thank you both for all you have done for not only me but also my loved ones!
¡Alberto y Nicole tienen muchísima experiencia en el negocio de las hipotecas! Respondieron todas mis preguntas y todo el proceso fue rápido y sin problemas. ¡Gracias a ambos por todo lo que han hecho, no solo por mí, sino también por mis seres queridos!
The hard work from Alberto and the support each time there was a road block.
El arduo trabajo de Alberto y su apoyo cada vez que había un obstáculo.
Luis A.
RESOURCES
el expediente
tHE jOURNEY
el viaje
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Evaluate your financial situation, including income, savings, and expenses.
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Discuss your budget and financing options with your real estate agent to determine how much you can afford to spend on a house.
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Research and interview potential real estate agents with experience and expertise in the local market.
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Choose an agent who understands your preferences, priorities, and budget, and who can guide you through the home-buying process.
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Communicate your preferences for a home, including location, size, amenities, and neighborhood, with your real estate agent.
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Work together to create a list of criteria and priorities to help narrow down the search for potential properties.
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Work with your real estate agent to schedule viewings of properties that match your criteria and preferences.
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Attend open houses and private showings to assess the condition, layout, and suitability of different properties.
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Once you find a house you like, consult with your real estate agent to make an offer based on market analysis, comparable sales, and your budget.
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Your agent will present the offer to the seller's agent and negotiate on your behalf to reach a mutually acceptable agreement on price, terms, and contingencies.
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Your real estate agent will coordinate with other professionals, such as home inspectors and mortgage lenders, to facilitate due diligence and financing.
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Conduct a home inspection to identify any issues or concerns with the property and work with your lender to finalize your mortgage application.
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Your real estate agent will guide you through the closing process, ensuring that all necessary paperwork is completed accurately and on time.
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Attend the closing meeting to sign the final documents, pay closing costs and fees, and receive the keys to your new home.
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Celebrate your accomplishment with your real estate agent, and begin the process of moving in and making the house your own.
EXPERIENCE MATTERS.
Home buying can be stressful and overwhelming, but it does not have to be, not with a seasoned and caring professional like Alberto helping you. In 1991, Alberto started as a loan officer for Crestar Bank and quickly found his passion for helping and educating customers on ways to finance a home. He says that the key to a successful transaction is communication, educating, and being available. Alberto's extensive background and experience in the mortgage industry enable him to help you, whether you're a first-time home buyer, looking to trade up, deciding to downsize, or simply wishing for a change, Alberto can help you. Alberto also leads a team of loan officers in customer service, production, recruiting, and community engagement. As a leading mortgage lending professional, he has been recognized as a top producer. He spends part of his days coaching, mentoring, and training loan originators and real estate professionals to assist them in achieving their personal, professional, and financial dreams, as well as the dreams of their clients. His time is dedicated to his team, the real estate community, and his clients. During his free time, Alberto enjoys staying active with his wife and loan partner, Nicolle, and their four children. For fun, Alberto coaches youth baseball, ice hockey, and enjoys time on the Chesapeake Bay crabbing and fishing.