Alain Perez
Loan Originator
NMLS #1215773
Alain Perez purchased his first home at the age of 20. Ever since then he has been helping his friends and family with the knowledge and steps in purchasing real estate. He joined Universal Mortgage in 2018. His greatest joy is helping his clients fulfill their dreams of homeownership.
Refinancing an Adjustable-Rate Mortgage into a Fixed-Rate Loan
Jan 20, 2026
Learn when and how to refinance an adjustable-rate mortgage into a fixed-rate loan, including costs, timing, and qualification requirements.
What Is a Wraparound Mortgage? A Detailed Guide for Buyers and Sellers
Jan 15, 2026
Learn how wraparound mortgages work, why buyers and sellers use them, and the risks to consider before choosing this financing option.
A Guide to Buying a Home in Retirement
Jan 13, 2026
Learn how to buy the right home in retirement with tips on budgeting, priorities, financing, and long-term planning.
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Whether you're buying your first home, refinancing, or upgrading, I’m here to make the mortgage process smooth and stress-free. Let’s take the next step together — fast approvals, personalized service, and expert guidance every step of the way.
