About Me

Ronald Nuñez

Sr. Loan Officer | NMLS #1877790

Nice to have you here in my website!

I am dedicated to guiding you through the complexities of securing the perfect mortgage tailored to your unique needs. As an experienced loan officer, with over 7+ years in the real estate business, I bring a wealth of knowledge and expertise to assist you in navigating today's complex real estate market. Whether you're a first-time homebuyer, investing in property, or looking to refinance your current home, I am committed to providing you with expert, personalized service. Here at Quality Mortgage Solutions, your satisfaction is my top priority. I take pride in offering transparent and straightforward guidance throughout the entire process. I believe in empowering my clients with the right knowledge and information that they need to make informed decisions about their financial future.

Ready to take the next step towards homeownership with the best Miami mortgage solutions? Contact me today for a consultation. Whether you prefer to meet in person, over the phone, or via video chat, I'm here to assist you every step of the way.

Thank you for considering me for your next Mortgage. I look forward to helping you achieve your homeownership goals!

Nuñez Home Loan solutions
tailored to meet all your needs.

Experience personalized service and
competitive rates designed to help you achieve your financial goals.
Personalized

FHA, VA, & Conventional Loans

These are your traditional loans typically with the best rates & are considered "full doc" loans that will require a more thorough underwriting process which includes a full review of your credit, income, and assets to qualify. Downpayment requirements can vary depending on the program, anywhere from, 0-5%+ down.

DSCR Loans

For our borrowers looking to purchase an investment property, this is a great program, this is a true no-income program that does not require any proof of income to qualify & is one of the most laid-back programs as far as guideline requirements. The 3 main requirements to qualify for this loan are the subject property's cash flow & the borrower's credit score, & to meet the loan to value requirements. Downpayment requirements start as low as 15% down.

Bank Statement Loans

Bank statement loans are great alternatives for the business owner borrower who cannot qualify for a traditional loan. This program doesn't require income tax returns & we will calculate the borrower's income based on their recent 6-24 months of bank statement's deposits versus a traditional loan that would go based off income tax returns. Downpayment requirements start as low as 10% down.

Refinance

Refinancing can be beneficial for several reasons, depending on individual circumstances and financial goals. Here are some common reasons why refinancing might be considered advantageous: lower interest rates, reduced monthly payments, removing PMI, switch loan type, cash out for any reason you may like, whether it's for debt consolidation or to leverage your financial flexibility.

Downpayment Assistance Programs

Our DPA programs play a crucial role in promoting affordable housing and expanding access to homeownership opportunities for those who might otherwise struggle to afford the upfront costs of buying a home. Our most popular DPA program is the "FL Hometown Heroes Program", this program provides down payment and closing cost assistance to first-time homebuyers purchasing their primary residence and offers a lower first mortgage interest rate. With this program, the state will credit you 5% of your loan amount, up to $35,000, towards your downpayment and closing costs, to be repaid upon sale/refinance in the future.

Home Equity Lines of Credits

HELOCs provide homeowners with a revolving line of credit that allows them to borrow against the equity in their home. This can be useful for funding large expenses such as home renovations, medical bills, education costs, or other major purchases. HELOCs provide flexibility in how funds are used. Borrowers can draw funds as needed up to their credit limit and pay interest only on the amount borrowed.

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Customer Opinion

I was totally protected and well informed ever step of the way. The best experience working with Ron.. he was very transparent, understanding and a true people person. He kept reassuring me that all will be ok, and this made me very comfortable. I will recommend him 100%. Professional in every way.

Joy Rocker

Customer Opinion

Ronald Nunez took care of my client whom we had been looking for for over 4 years. If it wasn’t her debt to income ratios, or the price, it was always something stopping her from being able to buy with other lenders. That made it so difficult in this competitive market for her to make a realization of her dreams to purchase a home as a single mom. When I introduced her to Ronald, he made it all happen and smoothly. I’ve been a Realtor for over 30 years and with confidence I recommend this young, aggressive, committed loan officer!! He took a challenging file to closing! My respects!

Ana Tavel Paz

Customer Opinion

Worked with Ron to close out one of my most recent buyer transactions and it was one of the smoothest and quickest transactions I have worked with a lender in my entire career in real estate thus far! I definitely will be referring more of my clients to him! Thanks for all of your hard work guys!

Nicola Walash

Customer Opinion

Ronald Nunez and his assistant was a pleasure to work with, I appreciate their hard work in assisting my husband and I with our refinance. We are pleased customers of his!
Rey Alvarez: I spent weeks speaking to 3 different mortgage loan officers & I was given excuses on why I wasn't able to qualify and ultimately I realized it that my costs were just more expensive with the other lenders. When I spoke to Ronald I was quoted cheaper interest rate, lower insurance, and he found out a creative way to make my loan qualify. I was originally only a client, to now, a good friend!

Shelia Pizzo