Cristian Velasquez - Find Your Financing

Cristian Velasquez - Find Your Financing NMBNow
Licensed In: FL, NJ, NY, CT, TX
NMLS # 2238476
Equal Housing Lender I believe educating my clients is key to building long-term relationships with them.

About Cristian Velasquez (NMLS 2238476)

I graduated from CUNY Baruch College in New York City with a degree in Finance and a double minor in Entrepreneurship and English. Hard work and a can-do attitude are in my nature and I attribute these qualities from seeing my parents work hard. Both of my parents came from Guatemala in their early twenties and weren’t handed anything, so they showed me wha

t hard work is and what you put into it, is what you get out of it. I am extremely dedicated to my clients by being thorough, informative and always transparent. I look to see how I can help them meet their financial goals in the short and long term, so I can continue to consult them in future transactions. Nationwide Mortgage Bankers has access to all types of loans in this strict lending environment. Whether you are a first-time homebuyer or a seasoned investor, I will have a loan that will suit your needs. Contact me today for a complimentary consultation. Add https://nmbnow.com/disclosures-and-licensing/
nmlsconsumeraccess.org
company NMLS 819382

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV

NY Licensed Mortgage Banker – NYS Department of Financial Services

06/29/2026

Many buyers think mortgage insurance is just an extra fee.

The reality?

🏡 It allows many people to buy with less than 20% down.
💳 It protects the lender.
📈 And depending on your loan, there may even be ways to remove it—or prepay it.

👇 Have questions about mortgage insurance? Send me a message with “PMI” and let’s go over your options.

Nationwide Mortgage Bankers NMLS ID 819382 Equal Housing Lender

06/22/2026

¿Sabías que podrías comprar una propiedad con 3.5% de enganche?

🏡 Vive en una unidad
📈 Renta las otras
💰 Construye riqueza

👇 Envíame “INVERSION” y conversemos.

Nationwide Mortgage Bankers NMLS ID 819382 Equal Housing Lender

06/10/2026

🏡 Looking at a multi-family property?

Before you assume the rent will cover a certain amount of your mortgage, make sure you’re using the right numbers.

📉 Most lenders use 75% of projected rental income.
💸 The remaining 25% is typically reserved for vacancies and expenses.
📊 This can directly impact how much you qualify for.

The good news? With the right strategy, rental income can still be a powerful tool to help you become a homeowner.

👉 Send me a message with the word “OWNER” and I’ll help you calculate your numbers.

Nationwide Mortgage Bankers NMLS ID 819382 Equal Housing Lender

06/05/2026

We spend most of our time talking about mortgages and real estate…

But every once in a while, we have to have a little fun. 😂

Anthony and I took turns reading some of the funniest real estate one-liners we’ve heard.

Now it’s your turn:
🏡 Which one was your favorite?
😂 Do you have a better one?

Drop it in the comments below!

Nationwide Mortgage Bankers NMLS ID 819382 Equal Housing Lender

06/01/2026

💰 Every year, many families keep waiting because they think they need a huge down payment to buy a home.

La realidad es que existen programas con bajo enganche y estrategias que pueden ayudarte a comprar antes de lo que imaginas.

The reality is that low down payment programs and rental income strategies may help you buy sooner than you think.

🏡 Would you consider living in one unit and renting the other to lower your housing costs?

🏡 ¿Considerarías vivir en una unidad y rentar la otra para reducir tus gastos?

Comment “OWNER” or “DUEÑO” and let’s talk.

05/27/2026

One of the biggest misconceptions in home buying is believing income alone determines approval.

In reality, lenders also evaluate:
📉 Debt-to-income ratio
💳 Monthly obligations
🏡 Rental income potential

For many first-time buyers, multi-family properties and rental income strategies can completely change affordability.

Uno de los errores más comunes es pensar que el salario por sí solo determina la aprobación.

En realidad, los bancos también analizan:
📉 La relación deuda-ingreso
💳 Tus pagos mensuales
🏡 El potencial de ingresos por renta

Para muchos compradores primerizos, las propiedades multifamiliares pueden cambiar completamente la posibilidad de comprar.

What’s your biggest question about qualifying for a mortgage?
¿Cuál es tu pregunta más grande sobre cómo calificar para una hipoteca?

05/22/2026

🏡 ¿Y si tu primera casa pudiera ayudarte a pagar la hipoteca?

Muchos compradores creen que comprar casa en NYC o Long Island es imposible…
pero no saben que existen estrategias que pueden hacer la propiedad mucho más accesible.

💰 Comprar una propiedad multifamiliar
📉 Comprar con solo 3%, 3.5%, o 5% de enganche
🏠 Vivir en una unidad y rentar las otras
📈 Usar ingresos de renta para ayudar a calificar

La meta no es solo comprar casa.
Es comprar inteligentemente y empezar a construir riqueza.

👇 Queremos saber:
¿Comprarías una propiedad si los ingresos de renta ayudaran a pagar la hipoteca?

Comenta “DUEÑO” y te ayudamos a comenzar.

05/07/2026

A “good deal” doesn’t mean the property pays for EVERYTHING 👀

Even cutting your mortgage by 30–50% can be a huge win financially.

Before buying a multi-family property, focus on:
🏡 Rental demand
📊 Real rent comps
💰 How much the income reduces your payment

Don’t chase perfection — chase smart numbers.

💬 Drop a comment or DM me “DEAL” and let’s analyze your first property together.

04/30/2026

A property can check all the boxes visually — and still be a poor investment.

The difference comes down to the numbers.

Before moving forward with any property, make sure you’re evaluating:
• Rentability — is there real demand in that area?
• Maintenance — what will it cost you over time?
• Comparable rents — what are similar units actually renting for?

Overestimating rent or underestimating expenses is one of the most common mistakes I see — and it can completely change the outcome of a deal.

If you’re considering a property and want to make sure the numbers make sense, feel free to reach out. I’m happy to review it with you before you move forward.

03/31/2026

Let’s talk about the #1 thing keeping first-time buyers stuck:

“I want to buy… but rent keeps rising and I can’t save fast enough.”

Here’s the reality:
If you’re paying $3,000/month in rent, you’re already covering a mortgage — just not your own. 💸

What most people don’t realize:
✅ FHA loans can require as little as 3.5% down
✅ 2–4 unit properties can help you use rental income to offset your payment
✅ You may qualify for more than you think — right now

A lot of buyers aren’t as far off as they feel — they just need the right strategy.

💬 Have you felt stuck between rising rent and trying to buy? I’d love to hear where you’re at.

Address

3 Huntington Quadrangle Suite 403N
Melville, NY

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