Lazaro Munoz

Loan Originator

NMLS# 2373739

Lazaro Munoz Loan Originator

Combination Mortgages: Eliminate Private Mortgage Insurance

A Combination mortgage offers homebuyers a way to avoid private mortgage insurance (PMI) while making a smaller down payment. This financing strategy uses two simultaneous loans to purchase a home, bu Oct 16, 2025

The First-Time Homebuyer's Complete Guide

Buying your first home represents one of the most significant financial decisions you'll make. This guide walks you through the essential steps to prepare for homeownership, from evaluating your finan Oct 14, 2025

Should You Use Your 401(k) for a Home Down Payment?

Many homebuyers consider borrowing from their 401(k) to fund a down payment. While this option offers certain advantages, it carries some risk that can affect your long-term financial security. Here's Oct 09, 2025

Understanding Mortgage Closing Costs

Closing costs are the fees and expenses you pay when finalizing your home purchase. These costs cover services provided by your lender, third-party professionals, and prepaid items that protect your i Oct 07, 2025

Home Buying Programs for Teachers: Your Path to Affordable Homeownership

Special mortgage programs designed for educators can make homeownership surprisingly affordable, even on a teacher's salary. How Teacher Home Buying Programs Work Several federal, state, and local pro Oct 02, 2025

VA Loans: Your Qualification Guide

Veterans and active-duty military personnel have access to one of the best mortgage programs available—VA loans. Since 1944, this benefit has helped millions of service members buy homes with no Sep 30, 2025