Seth Xilas Santana - Guaranteed Rate NMLS# 2626363

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Seth Xilas Santana - Guaranteed Rate NMLS# 2626363 Since 2019, he has guided dozens of families through buying and selling real estate.

Seth Xilas Santana is a Licensed Broker With Exp Realty, as well as Licensed Mortgage Loan Originator with Guaranteed Rate Mortgage, serving the Greater Tampa Bay Area.

10/05/2026

Are you getting ready to house hunt this weekend? Make sure you know the difference between a pre-qualification and a pre-approval before making an offer.

A pre-qualification is only an initial estimate based on unverified numbers. A verified pre-approval means your documents and credit have been thoroughly reviewed.

Sellers and listing agents can tell the difference right away. Having a true pre-approval in hand gives your offer real strength when it matters most.

Send me a direct message today to get fully prepared for your home search. 🏡

Seth Xilas Santana,
VP of Mortgage Lending at Rate
NMLS # 2626363



NMLS # 2626363

10/04/2026

Most buyers believe their credit score is the only number that matters when buying a home.

In reality, your debt to income ratio is what truly controls your purchasing power. Carrying too much monthly debt compared to your earnings can pause your loan approval entirely.

This vital calculation shows lenders exactly what price range keeps your monthly budget comfortable. It is the very first factor I evaluate with clients to set up a realistic home search.

Send me a direct message today to review your finances and map out your next steps. 🏡

https://myoc.io/Gawxe

Seth Xilas Santana,
VP of Mortgage Lending at Rate
NMLS # 2626363

09/22/2026

🏡 **DID YOU KNOW YOU MAY BE ABLE TO BUY A HOME IN FLORIDA WITH $0 DOWN?** 💰

Yes, you read that right! 🙌 A **USDA Home Loan** can offer **100% financing** for qualified buyers purchasing a home in an eligible area.

🌴 If you're looking to buy in Florida, your target property may qualify for the USDA program.

Some of the potential benefits include:

✅ **$0 down payment** for eligible borrowers
✅ **Up to 100% financing**
✅ Competitive interest rates
✅ Potentially lower mortgage insurance costs
✅ Keep more of your cash available for moving, reserves, repairs, or other expenses 💵

And here's the part many buyers don't realize... you don't necessarily have to be looking way out in the middle of nowhere.** There are USDA eligible areas throughout Florida that may surprise you! 📍

My team and I can help you determine whether the property and your situation qualify** and walk you through the process step by step.

👇 Comment “HOME” below or send me a message today and let's see if USDA financing could be an option for you!

📲 Seth Xilas Santana
🏦 Guaranteed Rate Mortgage
📞 813 473 8028
🪪 NMLS # 2626363

🔗 https://myoc.io/Gawxe

The key to finding your dream home is knowing what home style really moves you. Whether you’re seeking a cozy cottage, s...
11/02/2025

The key to finding your dream home is knowing what home style really moves you. Whether you’re seeking a cozy cottage, sprawling single-family or vintage Victorian, discover your ideal home and mortgage match at Rate.

https://www.rate.com/resources/types-of-houses?LOID=37431

Preparation is key to unlocking the door to your dream home. Before you apply for a loan, make sure your finances are in...
11/01/2025

Preparation is key to unlocking the door to your dream home. Before you apply for a loan, make sure your finances are in order by paying down debt and saving more for a down payment. For other invaluable tips on becoming mortgage-ready, contact a trusted lender at Rate today.

https://www.rate.com/resources/how-to-get-a-mortgage?LOID=37431

Self-employed, small business owners, independent contractors, freelancers, consultant and gig workers who need a home l...
10/31/2025

Self-employed, small business owners, independent contractors, freelancers, consultant and gig workers who need a home loan – Rate Portfolio has your back. We focus on your full financial picture to give you more ways to qualify. And that means an easier path to homeownership. Reach out today!

http://rate.com/lp/rate-portfolio?LOID=37431

Not everyone has a W-2. Your clients need mortgage options that work for their financial reality. Discover Rate Portfoli...
10/30/2025

Not everyone has a W-2. Your clients need mortgage options that work for their financial reality. Discover Rate Portfolio – our suite of Non-QM loans for self-employed individuals, investors and borrower who have assets or non-traditional income streams. Offer the loan options that fit their unique income – and grow your business.

http://rate.com/lp/rate-portfolio?LOID=37431

Address

1600 E 8th Avenue, Suite A200
Tampa, FL
33605

Telephone

+17272565667

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