Hi, I'm Antonio...
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Antonio Vadillo

Mortgage Consultant

NMLSR

314705

State license
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Cell Phone
267-524-8007
Office Phone
Fax
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Address:

2 Riverside Drive

Suite 632

Camden
NJ
08101
Languages:  
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Antonio Vadillo (NMLSRID 314705) tuly loves to expertly advocate for all of his clients ‘mortgage needs. Antonio is known for his sincerity and dedication to all the people he works with. He is patient in helping clients walk through the mortgage process, whether they are first time home buyers or purchasing an investment property. Being an immigrant himself, Antonio is a proponent of diversity and welcomes every opportunity to help other immigrants reach their dreams of homeownership. ¡Se habla Español! Antonio is creative and tenacious in skillfully harnessing all of the resources available to help to make the dream of home ownership a possible reality for everyone he works with.

In his free time, Antonio likes to explore arts, culture, and nature with his wife, two daughters, and their German Shepherd. They also love to advocate for and help the underserved together as a family. When he has time to himself, Antonio likes to watch football, play racquet sports, and ride his bike.

It includes a review of your Financial Statement. This service is complimentary.
PREQUALIFICATION PROS
There is peace of mind in completing this early step in the homebuying.
EXPEDITED SERVICE
Typical turnaround times are 24 to 48 hours. We're open on weekends too.
Apply for Coop or Condo prequalification letter
STRENGTHEN YOUR OFFER
Your Coop or Condo offer stands out to sellers when you use this complimentary service.

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I'm here to answer allyour mortgage questions

  • Do I need to save for a 20% down payment?

    No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

  • Are Pre-Qualification and Pre-Approval the same thing?

    No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.

  • What's the difference between an adjustable and a fixed rate mortgage?

    A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

  • What is Private Mortgage Insurance (PMI)?

    Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

  • Can I access my home equity before I finish paying off my loan?

    Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

  • What do I do if I can't afford my mortgage payment anymore?

    The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.

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prosperity
antonio@phmloans.com
antonio@phmloans.com
antonio@phmloans.com
Camden
antonio@phmloans.com
1644440684524367
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*The refinance quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
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What is your phone number?
By entering your contact information, you are providing express written consent for Prosperity Home Mortgage Corporation to contact you at the email and number you provided via telephone, mobile device, automated means like autodialing, text SMS/MMS and pre-recorded messages, even if you are registered on a corporate, state, or federal Do Not Call list. You are also acknowledging and agreeing to our terms of service and privacy policy. Consent is not required to use our services.
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11 
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Thanks for your information request!

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Text Link
Antonio Vadillo
antonio@phmloans.com
267-524-8007
314705