Ricardo Pastrana MLO

01/06/2026

VA loans are not only about DTI.

For VA buyers, residual income matters.

That means the review is not just: "What is your debt-to-income ratio?"

It also looks at whether enough income remains after major obligations, based on household and loan factors.

This is one reason a VA file deserves a careful review instead of a quick yes/no guess.

If you’re a veteran or active-duty buyer and want to understand the first review points, message me "VA".

FEMBi Mortgage | Company NMLS 162197 | Ricardo Pastrana NMLS 2334341 | PR MLO-936 | FL LO12813 | Equal Housing Lender. Educational guidance only. Final eligibility depends on full lender review.

31/05/2026

Loan type should match the buyer, not the other way around.

If you're comparing FHA vs Conventional, message me "COMPARE" and I'll help you understand what matters before applying.

FEMBi Mortgage | Company NMLS 162197 | Ricardo Pastrana NMLS 2334341 | PR MLO-936 | FL LO12813 | Equal Housing Lender. Educational guidance only. Final eligibility depends on full lender review.

29/05/2026

Going house hunting this weekend? Don't wait until after you find the house to check the numbers.

The best time to review your mortgage fit is before the property search gets serious.

A quick review can help you understand:

- Comfortable price range
- Estimated cash needed
- Loan programs that may fit
- Documents likely needed
- Whether anything should be fixed before applying

If you're planning to look at homes this weekend, message me "REVIEW" and we'll start with the basics.

FEMBi Mortgage | Company NMLS 162197 | Ricardo Pastrana NMLS 2334341 | PR MLO-936 | FL LO12813 | Equal Housing Lender. Educational guidance only. Final eligibility depends on full lender review.

28/05/2026

FHA is not automatically better.

Conventional is not automatically harder.

The right choice depends on your credit, down payment, monthly payment target, property type, and long-term plan.

For many first-time buyers, FHA can be a strong path. But some buyers fit better with conventional, especially when credit and funds are stronger.

Don't pick the loan type first. Start with the buyer profile.

If you're comparing FHA vs Conventional, message me "COMPARE" and I'll help you understand what matters before applying.

FEMBi Mortgage | Company NMLS 162197 | Ricardo Pastrana NMLS 2334341 | PR MLO-936 | FL LO12813 | Equal Housing Lender. Educational guidance only. Final eligibility depends on full lender review.

27/05/2026

Buying your first home in Puerto Rico or Florida? Start with these 5 checks before you fall in love with a property.

Before you start touring homes, review:

1. Your comfortable monthly payment range
2. Down payment and source of funds
3. Credit snapshot
4. Work and income history
5. Target area and property type

A preapproval is not only about a number. The area, loan type, and property condition can change the strategy.

If you want a simple first-time buyer checklist, message me "CHECKLIST" and I'll send it.

FEMBi Mortgage | Company NMLS 162197 | Ricardo Pastrana NMLS 2334341 | PR MLO-936 | FL LO12813 | Equal Housing Lender. Educational guidance only. Final eligibility depends on full lender review.

30/04/2026

Comunícate Ya!!!

20/02/2026

Interesado en esa propiedad? Dígame sus preguntas!!!

29/07/2025

🔥🔥

Cada vez más mujeres toman el control de su futuro financiero, y eso incluye comprar casa. 🏡✨

En FEMBi, estamos aquí para ayudarte a dar ese paso con confianza. Pero no importa si aún no tienes casa, llámanos para orientarte y obtener tu carta de preaprobación. ¡El proceso es gratis!

📲 (787) 625-2530.

28/07/2025

¡Hola a todos! 👋 Aquí estoy, listo para responder a todas sus dudas sobre hipotecas, porque entiendo que puede ser abrumador. 🏠 Soy Ricardo Pastrana Amaro, su consultor hipotecario de confianza, y mi objetivo es hacer que el proceso sea lo más sencillo posible. Pueden contactarme por WhatsApp al (939)7170609 para una asesoría personalizada. 📱 ¡No duden en preguntar, estoy para ayudarles! 🤗
Web. https://fembi.com/es/ricardopastrana/
Pre-calificación Gratis
NMLS 2334341

Discover luxurious living in this stunning 4-bedroom residence nestled within the excellent gated community of Urb. Ciudad Jardín 3 in Toa