Rosalio Hernandez (NMLS 251093) built his book of business on realtor referrals in San Jose and the South Bay. He keeps those relationships by doing the unglamorous things well: picking up on weekends, pre-approving files the way an underwriter would so they do not fall apart in escrow, and keeping agents informed without them having to chase. If you have ever lost a deal because a lender went quiet in week three, you already know why this matters.
He also keeps a short email list for agents with updates on lending programs, guideline changes and down payment assistance availability. It is a few emails a month, written for agents, with no fluff. The signup is at the bottom of this page.
What working with Rosalio looks like
- Same-day response on new leads. Send a buyer by text or email and they hear from Rosalio that day, in English or Spanish.
- Underwriter-style pre-approvals. Income calculated, assets sourced, credit reviewed. Your buyer's letter is one you can stand behind in a multiple-offer situation.
- Offer-specific letters. Letters match the offer price so you never show a seller more than you need to.
- Listing agent calls. When you are competing, Rosalio calls the listing agent to vouch for the file. It moves the needle more than most buyers realize.
- Weekly status updates. You and the buyer get the same update, at the same time, every week during escrow. No surprises at the final walkthrough.
- Clean closings. Conditions cleared early, docs out on time, funding when the contract says.
Why bilingual matters for your business
A large share of South Bay buyers are Spanish-speaking households, and many of them have been underserved by lenders who hand them English-only disclosures and hope for the best. Rosalio walks Spanish-speaking buyers through every document in their language, which means fewer confused clients, fewer delays and more referrals back to you. If you have Spanish-speaking leads you are not sure how to serve, send them over.
Programs your buyers might not know they qualify for
Low down payment conventional
3% and 5% down conventional with cancellable mortgage insurance. Income limits are higher in Santa Clara County than agents often assume.
FHA on condos and townhomes
FHA limits in the county cover a lot of attached housing. Rosalio checks HOA approval before you write the offer, not after.
VA with no loan limit
Veterans with full entitlement can buy at Bay Area prices with zero down. VA offers are competitive when the lender handles the appraisal and timeline correctly.
Jumbo and piggyback structures
For single-family buyers above the conforming limit, Rosalio prices jumbo against a conforming-plus-second structure and picks the cheaper one.
Self-employed and RSU income
Tech buyers with stock compensation and business owners with complicated returns are files that need a lender who reads them. Rosalio does.
Co-marketing and open houses
Rosalio supports agent partners with buyer-education content for your social channels, first-time buyer seminars (in English and Spanish), and open house support when it fits. If you want to co-host a buyer workshop for your farm area, bring it up on a call. See more about Rosalio on the about page and send buyers to the purchase loans page or the calculators when they are still in research mode.
Get realtor program updates
Lending program updates written for agents. A few emails a month, no spam, unsubscribe any time.
Questions people ask about realtor partners
How fast can you pre-approve my buyer?
Usually within one business day of receiving documents, and faster when the file is clean. Rosalio reviews income and assets up front rather than issuing a letter based on stated information.
Will you talk to the listing agent on my buyer's offer?
Yes. When you are in a competitive situation, Rosalio calls the listing agent to confirm the strength of the file. It helps your offer stand out against letters from lenders who never pick up.
Do you work with Spanish-speaking buyers?
Yes, fully. Rosalio is bilingual and handles the entire process in Spanish when that is what the client prefers, including explaining disclosures and closing documents.
What is the realtor updates list?
A short email list for agents covering guideline changes, program availability and down payment assistance news in the South Bay. A few emails a month, written for agents, no spam.
Can you help with buyers who were turned down elsewhere?
Often. Self-employed income, recent job changes, gift funds, and credit in the low 600s are common reasons for a decline that can still produce an approval with the right program. Send the file and Rosalio will tell you quickly whether there is a path.
How do you keep agents updated during escrow?
Weekly status emails to you and the buyer, plus a call the moment anything changes. You will not have to chase Rosalio for a status.
Related: Purchase Loans, Refinance, First-Time Homebuyers, or go back to the home page. Have a question that is not here? Send it to Rosalio.