The Fuentes Group

10/20/2026

10/15/2026

10/05/2026

Buying a home with someone else?

There’s more to consider than simply adding another person to the application.

Depending on the loan program, that person could have a different role:

Co-borrower
Non-occupant co-borrower
Co-signer

And each role can come with different responsibilities related to repayment, qualification, ownership, and occupancy.

Before applying, make sure everyone understands how the proposed structure may affect them.

Loan program requirements and applicable rules vary.

Ysidro Fuentes NMLS # 233123
Dallas Fuentes NMLS # 2126120

09/30/2026

Down payment ≠ cash to close. 🏡

Your down payment is the portion of the purchase price you pay upfront.

Your cash to close is the total amount due when you finalize your purchase and may include:

✓ Down payment
✓ Closing costs
✓ Prepaid items and escrow
✓ Minus eligible credits or adjustments

The takeaway? When budgeting for a home, plan for the full closing picture, not just your down payment.

Final costs and credits vary by transaction and loan program.

Ysidro Fuentes NMLS # 233123
Dallas Fuentes NMLS # 2126130

09/29/2026

Student loans and buying a home? Here’s what to know. 🎓

Student debt may factor into your debt-to-income ratio when applying for a mortgage.

A few important things to remember:

✓ Deferred does not always mean excluded
✓ The payment used for qualification can vary
✓ A credit report, documented payment, or guideline-based calculation may be used
✓ Requirements depend on the loan program and your individual circumstances

Having your student loans reviewed early can help you better understand how they may affect your mortgage application.

Ysidro Fuentes NMLS # 233123
Dallas Fuentes NMLS # 2126120

09/24/2026

Your bank statements can tell an underwriter more than how much money is in your account.

During the mortgage process, they may be reviewed for:

✓ Available funds
✓ Certain large or unusual deposits
✓ Recurring financial obligations
✓ Complete statement documentation

Planning a large transfer? Talk with your loan officer first. Keeping your financial activity easy to document can help make the review process more straightforward.

Requirements vary by loan program and borrower circumstances.

Ysidro Fuentes NMLS # 233124
Dallas Fuentes NMLS # 2126120

09/22/2026

Using gift funds for a home purchase?🎁

Start with your loan officer before moving the money.

Depending on your loan program, you may need to:

✓ Identify the donor and their relationship to you
✓ Complete a gift letter
✓ Provide documentation of the transfer
✓ Maintain a clear paper trail

Requirements can vary, so planning ahead can help prevent documentation issues later in the mortgage process.

Ysidro Fuentes NMLS # 233123
Dallas Fuentes NMLS # 2126120

09/18/2026

5.0 star review received on Experience.com for Ysidro Fuentes by Heidi D - Ysidro was so detailed and informational. He was always professional and made sure I stayed in my comfort payment zone. He was dedicated and accommodating with my work schedule, often working evening hours and weekends. He closed on our house in 14 days! Ysidro was all around exceptional to work with!

Click to see all 149 reviews of Ysidro Fuentes, Branch Manager | NMLS # 233123

09/02/2026

Strong financial habits are built in the everyday decisions.

Keeping track of spending, staying current on bills, being thoughtful about new debt, and saving regularly can create a clearer picture of your finances over time.

Small routines today can make future financial decisions easier to navigate.

Ysidro Fuentes NMLS # 233123
Dallas Fuentes NMLS # 2126120

08/27/2026

There’s a lot happening behind the scenes during the mortgage process. Income, employment, and asset documentation are just a few of the pieces that may be reviewed along the way.

Knowing what may be requested can help you stay organized from the start.

Ysidro Fuentes NMLS # 233123
Dallas Fuentes NMLS # 2126120