Ernesto Lamas - Integrity Home Mortgage Corporation

Ernesto Lamas - Integrity Home Mortgage Corporation Ernesto Lamas NMLS # 2138070 - Mortgage Loan Originator

Hablo Español

Licensing
VA # 66867

https://linktr.ee/ELamas A LITTLE BIT ABOUT ERNESTO
Hola!
(1)

I’m Ernesto Lamas, I was born and raised in Los Angeles, California. My parents immigrated from Mexico before I was born, meaning I was raised in a Spanish speaking household making me fluent and therefore bilingual in Spanish and English. I met my wife, Cinnamon and her two children in 2015. After having a long-distance relationship for two years, and many visits to this beautiful state and quaint little town, I decided to close the distance and make her my bride and Culpeper, Virginia my new home. We have since, added to our family with two more beautiful children making us a family of 6! I’ve been in the financial industry for 10 years now. I’ve always had a passion for helping others and have chosen the path of Mortgage Loan Originator to help families obtain their home and making dreams come true. I truly believe this is where I’m meant to be.

¡Hola! Soy Ernesto Lamas, nací y crecí en Los Ángeles, California. Mis padres emigraron de México antes de que yo naciera, lo que significa que me crié en un hogar de habla hispana, lo que me hace fluido y, por lo tanto, bilingüe en español e inglés. Conocí a mi esposa, Cinnamon y sus dos hijos en 2015. Después de tener una relación a larga distancia durante dos años, y muchas visitas a este hermoso estado y pintoresco pueblo, decidí cerrar la distancia y convertirla en mi esposa y Culpeper, Virginia, mi nuevo hogar. ¡Desde entonces, hemos agregado a nuestra familia con dos hermosos hijos más que nos hacen una familia de 6! He estado en la industria financiera durante 10 años. Siempre he tenido una pasión por ayudar a los demás y he elegido el camino de Originador de Préstamos Hipotecarios para ayudar a las familias a obtener su hogar y hacer realidad sus sueños. Realmente creo que aquí es donde estoy destinado a estar.

Every closing represents more than paperwork. It’s a meaningful step toward homeownership.At Integrity, we’re proud to s...
08/25/2026

Every closing represents more than paperwork. It’s a meaningful step toward homeownership.

At Integrity, we’re proud to support homebuyers through the mortgage process and be part of the journey to closing day.

Ernesto Lamas
[email protected]
(818) 355-4496

Equal Housing Lender

When you apply for a mortgage, lenders look at more than just one number.They consider different parts of your financial...
08/24/2026

When you apply for a mortgage, lenders look at more than just one number.

They consider different parts of your financial picture, often referred to as the 4 C’s of qualifying for a mortgage:

Capacity — Your ability to repay the loan. Lenders may consider your income, employment history, savings, monthly debts, and other financial obligations.
Capital — The money and assets you have available, such as savings and investments. These funds may be used toward your down payment, closing costs, or other expenses.
Collateral — The property itself helps secure the mortgage. The home’s value is reviewed to help confirm the loan amount is appropriate for the property.
Credit — Your credit history gives lenders a look at how you’ve managed debt and payments over time.

Each of these areas helps lenders build a more complete picture when reviewing a mortgage application. Understanding them gives you a better idea of what to expect during the process.

Ernesto Lamas
[email protected]
(818) 355-4496

Equal Housing Lender

Thinking about buying a home often comes with a lot of questions. Where do you start? What does the process look like? W...
08/21/2026

Thinking about buying a home often comes with a lot of questions.

Where do you start? What does the process look like? What financing options are available?

You don’t have to know all the answers before having that first conversation. A loan officer can help explain your options, walk you through the process, and help you understand what to expect along the way.

Getting started begins with asking questions.

Ernesto Lamas
[email protected]
(818) 355-4496

Equal Housing Lender

Buying a home comes with a lot of moving pieces, especially when it comes to financing. As a loan officer, my role is to...
08/17/2026

Buying a home comes with a lot of moving pieces, especially when it comes to financing.

As a loan officer, my role is to help you understand your loan options, answer questions, and guide you through the mortgage process.

From getting started with an application to understanding what’s needed along the way, I’m here to help you know what to expect as you move toward closing.

If questions come up along the way, I’m here to help you understand what they mean and what comes next.

Ernesto Lamas
[email protected]
(818) 355-4496

Equal Housing Lender

Thinking about waiting to buy a home?Every market is different, and no one knows exactly what the next year will bring. ...
08/11/2026

Thinking about waiting to buy a home?

Every market is different, and no one knows exactly what the next year will bring. While waiting may make sense for some buyers, it's also important to consider how changing home prices, rent payments, and loan programs could affect your homebuying journey.

Understanding your options today can help you make a more informed decision for tomorrow.

Ernesto Lamas
[email protected]
(818) 355-4496

Equal Housing Lender

What’s actually included in your monthly mortgage payment?Depending on your loan and individual situation, your payment ...
08/10/2026

What’s actually included in your monthly mortgage payment?

Depending on your loan and individual situation, your payment may include several different pieces:

Principal – The portion of your payment that reduces the amount you borrowed.
Interest – The cost of borrowing money from your lender.
Property Taxes – Taxes paid to your local government that may be collected as part of your monthly payment through an escrow account.
Homeowners Insurance – Helps protect your home from covered damage or loss and may be paid through escrow.
Mortgage Insurance (if applicable) – Some loans require mortgage insurance, which may be included in your monthly payment.

Every homebuyer’s situation is different, so what’s included in your monthly payment can vary. Understanding each piece can make your mortgage feel a little easier to navigate.

Ernesto Lamas
[email protected]
(818) 355-4496

Equal Housing Lender

A smoother start to homeownership starts with understanding your options.A 2/1 Buydown Program may help qualified homebu...
08/06/2026

A smoother start to homeownership starts with understanding your options.

A 2/1 Buydown Program may help qualified homebuyers lower their monthly mortgage payments for the first two years after purchasing a home. This can provide extra financial flexibility as you settle into your new home.

Connect with one of our loan officers to learn whether a 2/1 Buydown Program may be a good fit for your homeownership goals.

For informational purposes only. All mortgage loan applicants are subject to credit and underwriting approval. This is not a commitment to lend.

*Interested parties to a transaction include, but are not limited to, the property seller, the builder/developer, the real estate agent or broker, or an affiliate who may benefit from the sale of the property and/or the sale of the property at the highest price possible.

Ernesto Lamas
[email protected]
(818) 355-4496

08/05/2026

Student loans are just one part of the mortgage conversation. Lenders consider your overall financial picture when reviewing a mortgage application.

If buying a home is one of your goals, don't let common misconceptions stop you from learning more about your options.

For informational purposes only. All mortgage loan applicants are subject to credit and underwriting approval. This is not a commitment to lend.

Ernesto Lamas
[email protected]
(818) 355-4496

Every homebuying journey is unique, but our commitment remains the same.At Integrity, we believe in building lasting rel...
08/04/2026

Every homebuying journey is unique, but our commitment remains the same.

At Integrity, we believe in building lasting relationships through experience, trusted service, and personalized guidance.

Whether you're buying your first home or your next one, our team is here to help every step of the way.

Ernesto Lamas
[email protected]
(818) 355-4496

Every day, there's a new headline about the housing market—rates are up, rates are down, buy now, wait later.While it's ...
08/01/2026

Every day, there's a new headline about the housing market—rates are up, rates are down, buy now, wait later.

While it's important to stay informed, your home-buying decision should be based on your financial goals, timeline, and readiness—not the latest news cycle.

Every buyer's situation is different, and the right time to buy looks different for everyone.

If you're wondering whether now is the right time for you, we're here to help you explore your options and make an informed decision.

Ernesto Lamas
[email protected]
(818) 355-4496

Address

700 Southridge Parkway Suite 315
Parkway, CA
22701

Telephone

+18183554496

Website

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