Emalí Vaz

Emalí Vaz 29 years of expertise in mortgage banking, delivering tailored loan solutions that align with each client’s goals for lasting financial success.

31/08/2026

🇵🇷 There’s nothing like Puerto Rico. Nothing like coming home.

For many Puerto Ricans in the diaspora, moving back is something they’ve thought about for years—but uncertainty can make taking that first step feel difficult.

Sometimes, the biggest risk is simply never taking the chance.✨

If Puerto Rico has been calling you back, this conversation is for you.

🎙️ Watch the full conversation on my YouTube channel. The full podcast is OUT NOW!

28/08/2026

More Puerto Ricans across the U.S. are thinking about coming home—whether to relocate, invest, or build their next chapter on the island.🇵🇷

But coming back takes more than wanting to return. It takes the right conversations, a clear strategy, and understanding what it really means to make a move to Puerto Rico.✨

And the best part? Boricuas are coming back.

🎙️ Watch the full conversation on my YouTube channel. The full podcast is OUT NOW!

24/08/2026

🏡 In Puerto Rico’s mid-to-high-end market, waiting another year could mean less purchasing power and even fewer homes to choose from.

With limited inventory and not enough new development to meet demand, timing and strategy matter more than ever.📉

What could this mean for buyers—and for the future of Puerto Rico’s housing market?

🎙️ Watch the full conversation on my YouTube channel. The full podcast is OUT NOW!

12/08/2026

🏡 "I should have bought a house last year." If you've caught yourself saying that before, don't let it become next year's regret.

The market won't wait—but with the right strategy, you can make a confident and informed decision. 📈

📩 Message me today and let's structure your numbers, explore your financing options, and help you get one step closer to homeownership.

04/08/2026

Starting August 1, 2026, new requirements for purchasing and refinancing condominium apartments will take effect, which could impact the eligibility of many properties. 📑🔑

If you are a homeowner, serve on your condo board, or are thinking about buying or refinancing, now is the time to understand how these changes may affect your process and make decisions in advance. 📊🏠

📲 Message me today and I’ll be happy to guide you in structuring your financing and help ensure your transaction is completed with greater security and confidence. 🤝

07/07/2026

Getting financing in Puerto Rico requires more than just a good credit score 📑

Whether you are looking into FHA, conventional, or VA programs, securing a loan depends on two main pillars: verifying your financial stability and ensuring the property passes a thorough bank inspection.

A licensed appraiser acts as the eyes of the bank, reporting on the property's true condition while we verify your stable income and assets to find the perfect loan program for you. 🔎

Contact me today to review your financing options and get pre-qualified.

Visit emalivaz.com to get started.

03/07/2026

Writing off too many expenses could cost you your dream home 📊

Many entrepreneurs maximize business expenses to lower their taxable income. However, reducing your net profit on paper can directly impact your borrowing power when applying for a luxury mortgage.

If you are self employed, your tax returns are the primary tool lenders use to verify your income. Strategic planning with your accountant is essential to ensure your financial files show the strength needed for high-end properties. 📈

Contact me today to structure your finances correctly.

Visit emalivaz.com to get started.

30/06/2026

Preparing for a luxury mortgage means playing by the rules 💸

To qualify for a high-value property, you have to show the IRS what you truly earn and yes, that means being ready to pay the taxes that match your actual income.

When you are aiming for exclusive real estate, strategic financial preparation is simply part of the process. 📈

Contact me today to structure your qualification smoothly.

Visit emalivaz.com to get started.

26/06/2026

Being wealthy doesn't automatically mean you qualify for a luxury mortgage 💼

Even with a high net income and multiple corporations, keeping loans under your personal credit instead of a corporate structure can heavily impact your qualification process.

Proper financial structuring is what truly closes the deal on high end investments. 🔍

Contact me today to ensure your next investment is set up for success.

Visit emalivaz.com to get started.

Dirección

322 Avenue De Diego
San Juan
00920

Horario de Apertura

Lunes 09:00 - 18:00
Martes 09:00 - 18:00
Miércoles 09:00 - 18:00
Jueves 09:00 - 18:00
Viernes 09:00 - 18:00
Sábado 09:00 - 12:00

Teléfono

+17875266330

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