Helping Laredo families achieve the American dream, one home at a time.
Rooted in our community, committed to your future.
Helping Laredo families achieve the American dream, one home at a time.
Rooted in our community, committed to your future.
Why MAKE Laredo home?
affordable
Living
Cost of living well below national average with growing property values.
tight-knit
community
A warm, bilingual community where neighbors are family.
Year-Round
Sunshine
Over 300 sunny days a year — perfect for outdoor activities.
Meet the team
Roger Cazares
Area Manager
NMLS #910634
Tel: 956.324.2574
Branch:214.340.5225
1018 Monaco Blvd Suites 105 & 106
Laredo, TX 78045
David Rodriguez
Area Production Manager
NMLS #418802
Branch:214.340.5225
Cell: 956.206.3407
1018 Monaco Blvd Suites 105 & 106
Laredo, TX 78045
Baruc Mohamed
Loan Officer
NMLS #1919650
Tel: 956.415.2615
Branch:214.340.5225
1018 Monaco Blvd Suites 105 & 106
Laredo, TX 78045
Isabel Moreno
Loan Officer
NMLS #1665292
Cell: 956.285.8161
1018 Monaco Blvd Suites 105 & 106
Laredo, TX 78045
Jose Lastra
Loan Officer
NMLS #2121175
Tel: 956.334.5294
1018 Monaco Blvd Suites 105 & 106
Laredo, TX 78045
Nicolas Gomez
Loan Officer
NMLS #1749468
Tel: 956.333.8974
1018 Monaco Blvd Suites 105 & 106
Laredo, TX 78045
Loan Programs
Explore our program offerings, a variety of financing solutions to fit every situation.
conventional loans
Conventional loans are a cornerstone of home financing. They offer flexibility, competitive interest rates, and options for both first-time and experienced homebuyers.
Key Features
– Down payments as low as 3% for first-time buyers
– Competitive fixed and adjustable rates
– No upfront government insurance fees
– Option to remove PMI once you reach 20% equity
Eligibility & Guidelines
– Credit score typically 620 or higher
– Debt-to-income ratio up to 45%
– Available for primary residences, second homes, or investment properties
Ideal For
– Borrowers with good credit and stable income
– Homebuyers looking for flexibility and low long-term costs
– Homeowners refinancing for better terms
fha loans
FHA loans make it easier for more borrowers to achieve homeownership. Backed by the Federal Housing Administration, these loans feature low down payments and flexible credit requirements.
Key Features
– Down payments as low as 3.5%
– Credit scores as low as 580 may qualify
– Competitive fixed rates
– Assumable loans for easier resale
Eligibility & Guidelines
– Must occupy the home as a primary residence
– FHA-approved appraisal and property standards required
– Upfront and monthly mortgage insurance apply
Ideal For
– First-time homebuyers
– Borrowers with limited credit history or smaller savings
– Families looking for affordable entry into homeownership
USDA LOANS
USDA loans offer zero-down financing for homes in eligible rural and suburban areas, helping families enjoy affordable homeownership outside major city limits.
Key Features
– 100% financing (no down payment)
– Competitive fixed interest rates
– Low mortgage insurance costs
– Flexible credit requirements
Eligibility & Guidelines
– Property must be in a USDA-eligible area
– Income limits apply based on household size
– Primary residence only
Ideal For
– Buyers seeking affordable homeownership in rural or suburban areas
– First-time buyers who meet income and location criteria
JUMBO LOANS
When your dream home requires financing beyond conforming loan limits, Jumbo Loans provide the solution. Ww offer tailored jumbo financing to help you move forward with confidence.
Key Features
– Loan amounts exceeding conforming limits
– Competitive interest rates
– Flexible terms and structures
– Options for primary residences, vacation homes, and investment properties
Eligibility & Guidelines
– Strong credit and income required
– Larger down payment often needed (typically 10–20%)
– Appraisal and reserve requirements apply
Ideal For
– Buyers purchasing high-value homes
– Borrowers with complex financial portfolios
VA LOANS
VA loans are designed for veterans, active-duty service members, and eligible surviving spouses. With zero down payment and no monthly mortgage insurance, they’re one of the best paths to homeownership for those who’ve served our country.
Key Features
– 0% down payment
– No private mortgage insurance (PMI)
– Competitive interest rates
– Flexible credit and debt guidelines
Eligibility & Guidelines
– Must have a valid Certificate of Eligibility (COE)
– Must occupy the home as a primary residence
Ideal For
– Veterans and active-duty service members
– Eligible surviving spouses
– Buyers seeking affordable, no-down-payment options
RENOVATION LOANS
Turn a fixer-upper into your dream home with renovation financing that combines your purchase and improvement costs into one simple loan.
Key Features
– One loan, one closing
– Low down payment options
– Finance cosmetic or structural renovations
– Available for FHA (203k) or Conventional (HomeStyle) borrowers
Eligibility & Guidelines
– Minimum credit score typically 620+
– Licensed contractors required for all work
– Home must be primary residence for FHA; flexible for Conventional
Ideal For
– Buyers purchasing homes needing updates
– Current homeowners refinancing to renovate
Ready to Call
Laredo Home?
Whether you’re a first-time homebuyer, upgrading, or refinancing,
our team is here to guide you every step of the way. Hablamos español.