Mortgages, accounting, and financial education for the Latino community in the USA. We don't just translate the process — we walk you through it step by step.
The American Way = The Escobar Way. We work with real options, not assumptions. We run scenarios with real lenders and present you with concrete options. Our goal: for you to enjoy your property and sleep well, knowing there are no tricks or shady shortcuts. That's how it's done — the American Way.
Mortgages · Felix Escobar, NMLS #2524454 | Powered by NMLS #230610
Your own home is closer than you think
Many families believe buying a home is impossible. The reality is there are more options than you imagine. We don't work with assumptions — we run scenarios with real lenders and present you with concrete options for your situation.
Residential purchase
For your first home or your next one. Conventional, FHA, VA programs and more. We accept ITIN.
Refinancing
Lower your interest rate, reduce your monthly payment, or pull equity from your current property.
Investment (DSCR)
Loans for rental properties based on the property's income, not your personal income.
Self-employed
Own your own business? We have special programs with alternative documentation.
Construction
Loans to build your home from scratch. We finance the land and construction in a single loan.
Pre-qualify Yourself
Find out in minutes how much you could qualify for. No commitment, no impact on your credit. Felix Escobar, Loan Officer — NMLS #2524454 | Powered by NMLS #230610
For FHA loans, applicants must be Permanent Residents (Green Card) or U.S. Citizens. Other programs have different requirements — contact us.
How many people will apply?
Include any co-borrower (spouse, family member, etc.)
1
Person
2
People
3
People
This calculation is based on common math used by lenders, according to the information you provide. Each loan must account for property taxes and insurance. These numbers are estimates, and it is strongly recommended to consult a licensed loan officer for actual loan options.
Gross monthly income
Before taxes. Include salary, overtime, bonuses, etc.
This calculation is based on common math used by lenders, according to the information you provide. Each loan must account for property taxes and insurance. These numbers are estimates, and it is strongly recommended to consult a licensed loan officer for actual loan options.
Total monthly debts
Sum of all payments: cars, credit cards (minimum payment), student loans, etc.
This calculation is based on common math used by lenders, according to the information you provide. Each loan must account for property taxes and insurance. These numbers are estimates, and it is strongly recommended to consult a licensed loan officer for actual loan options.
How is your credit?
You don't need to know the exact number — an approximate range is enough.
740+
Excellent
700-739
Good
660-699
Fair
620-659
Low
This calculation is based on common math used by lenders, according to the information you provide. Each loan must account for property taxes and insurance. These numbers are estimates, and it is strongly recommended to consult a licensed loan officer for actual loan options.
Loan type
If you're not sure, select Conventional.
Conv
Conventional
FHA
Min. 3.5% down
VA
Veterans
This calculation is based on common math used by lenders, according to the information you provide. Each loan must account for property taxes and insurance. These numbers are estimates, and it is strongly recommended to consult a licensed loan officer for actual loan options.
Estimated down payment
Percentage of the home price you would put down.
This calculation is based on common math used by lenders, according to the information you provide. Each loan must account for property taxes and insurance. These numbers are estimates, and it is strongly recommended to consult a licensed loan officer for actual loan options.
You could pre-qualify for a property up to
$0
This calculation is based on common math used by lenders, according to the information you provide. Each loan must account for property taxes and insurance. These numbers are estimates, and it is strongly recommended to consult a licensed loan officer for actual loan options. Felix Escobar, Loan Officer — NMLS #2524454, Fairview Lending Inc (NMLS #230610).
We operate under Fairview Lending Inc (NMLS #230610). Felix Escobar, Loan Officer — NMLS #2524454. 1425 Del Prado Blvd S, Cape Coral, FL 33990.
Apply for your mortgage
Start your process today
Applying for a mortgage is simpler than you think. Here we explain the steps and how to get started.
1
Online application
Complete your application on Blink in just minutes. It's secure, fast, and easy.
2
Credit check
We review your credit report. If you need to improve your score, we'll guide you with a plan.
3
Documents
We'll ask for pay stubs, bank statements, and tax returns. We tell you exactly what you need.
4
Pre-approval
You receive your pre-approval letter to start house hunting with confidence.
5
Closing
Once you find your home, we coordinate everything until the keys are in your hand.
Ready to take the first step?
Click the button to complete your application. Felix will personally contact you to guide you through every step.
Whether you have a small business or need to organize your personal finances, we make sure everything stays up to date.
Bookkeeping
Income and expense tracking, bank reconciliation, monthly reports.
Tax preparation
Personal and business. We maximize your deductions within the law.
Payroll
Payroll for your business, including employment tax calculations and reporting.
Financial consulting
Analysis of your situation and action plan to improve your business's financial health.
Financial Education
Knowledge gives you power
We believe what holds many families back is not a lack of resources — it's a lack of information. That's why we create free content on the topics that matter most.
We answer the most common questions about buying a home in Florida. If your question isn't here, contact us — we speak Spanish and English.
Can I buy a house in Florida with an ITIN (no Social Security)?
Yes. We offer ITIN mortgage loans in Southwest Florida. The minimum down payment is 20% and you don't need a Social Security Number. Felix Escobar guides you through the entire process, backed by Fairview Lending Inc and their 20+ years of experience.
How much down payment do I need to buy a house?
It depends on the loan type: FHA requires as little as 3.5% down, Conventional from 3-5%, VA for veterans 0% down, and ITIN from 20%. Felix Escobar analyzes your situation and presents the best real options — not assumptions.
Do I need to speak English to apply for a mortgage?
No. At EscobarWay the entire process is available in Spanish — from pre-approval to closing. Felix Escobar and his bilingual team guide you every step. We are the Hispanic department of Fairview Lending, which has 150+ five-star Google reviews.
Who is Fairview Lending and why trust them?
Fairview Lending Inc (NMLS #230610) is a mortgage company established in 2006 in Cape Coral, FL. With 20+ years in the market and 150+ five-star Google reviews, it's one of the most respected in Southwest Florida. Felix Escobar serves as their Hispanic loan officer.
How long does it take to buy a house in Florida?
The typical process takes 30-45 days from application to closing. Pre-approval can be completed in 24-48 hours. Felix Escobar keeps you informed every step of the way.
What is a DSCR loan for investment properties?
A DSCR (Debt Service Coverage Ratio) loan lets you buy investment properties based on the property's rental income, not your personal income. Ideal for investors in Cape Coral, Fort Myers, and Naples looking to build passive income.
Can I buy a house with a work visa or Green Card?
Yes. Permanent residents (Green Card) qualify for all programs: FHA, Conventional, VA (if veteran). Work visa holders (H-1B, L-1, etc.) also have options. Felix Escobar evaluates your immigration and financial situation to find the best program.
What documents do I need to apply?
Basic documents include: valid ID, proof of income (last 30 days of pay stubs), tax returns (2 years), bank statements (2 months), and employment history. For ITIN loans, the IRS ITIN letter is required.
How much are closing costs in Florida?
Closing costs in Florida typically range from 2% to 5% of the property price. They include appraisal, title, insurance, prepaid taxes, and lender charges. In some programs, the seller can cover part of these costs.
What areas of Florida do you serve?
We serve all of Southwest Florida: Cape Coral, Fort Myers, Lehigh Acres, Naples, Bonita Springs, Estero, Punta Gorda, and surrounding areas. Our office is at 1425 Del Prado Blvd S, Cape Coral, FL 33990.
Contact
Let's talk about your situation
Every case is different. Tell us what you need and we'll guide you — no commitment.
Monday to Friday: 9am - 6pm Saturdays by appointment
Send us a message
Referral network
Trusted professionals
We work with the best real estate agents and industry professionals. If you're a realtor and want to offer your clients a clear, fast mortgage process, join our network.
Maday Owens
Broker Associate · Mamba Realty
✓ Verified partner
Maday Owens is a well-accomplished professional with over 10 years of customer service experience. She is versatile in her approach to help clients achieve their real estate goals. With a passion for service in the Southwest Florida area, Maday is ready to help with your home buying, selling, and investing needs.
You'll get access to a team of dedicated experts that will help you with every step of the selling or buying process with exceptional customer service.
NMLS #230610
