Alejandro Betancourt · Mortgage Broker
A mortgage is a decision, not a product.
Financing a home is one of the largest financial commitments you will ever make. My work is to make the options legible — what each program costs, what it risks, and which one actually fits the life you're financing — so you can move quickly and with confidence.
Alejandro Betancourt
NMLS #885110
Technology makes the process easier.Judgment is what you're actually hiring.
Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice.
As an experienced loan officer I have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal, and I am committed to providing my customers with mortgage services that exceed their expectations.
- Direct line
- (786) 305-7934
- Office
- 436 E 36th St, Charlotte, NC 28205
The tools are free.The read on them isn't automated.
Run the numbers yourself, then bring them to me. Every tool below is the same secure resource used by Beacon clients today.
Home Purchase Qualifier
Know exactly what you can afford before you start searching. Answer a short set of questions and receive options built around your scenario.
Free Pre-Approval Letter
Find out how much home you can afford by getting pre-approved for your next home loan now — and shop with a letter in hand.
Refinance Rate Checker
This free tool crunches the numbers for you. Find out exactly how much money you could save by refinancing — or what cash-out would look like.
Capital for fix-and-flip, ground-up construction, and rental acquisitions.
Common-sense underwriting built around the deal — not a W-2. Fast draws, flexible structures, and an advisor who understands investor timelines.
An index ofevery way to finance it.
Fixed, adjustable, conforming, jumbo, government-backed, and terms from 5 to 30 years. Open a line to read how it behaves.
The most predictable path to homeownership. One interest rate, one payment, for the full life of the loan — useful when you plan to stay put and want your housing cost fixed against the market.
Read the program details→A shorter horizon and typically a lower rate. Payments are higher month to month, but far less interest is paid over the life of the loan.
Read the program details→A fixed introductory period followed by periodic adjustments. Often the right instrument when a sale, refinance, or change in circumstance is expected inside the initial term.
Read the program details→Financing that falls inside conventional loan limits, with competitive pricing for well-qualified borrowers across a range of terms.
Read the program details→For property values above conventional limits. Underwriting is more detailed and structure matters — this is where advisory work earns its keep.
Read the program details→Government-insured financing with flexible qualification, frequently used by first-time buyers. FHA guidelines allow for higher debt ratios on a case by case basis.
Read the program details→Earned financing for eligible service members and veterans. VA guidelines also allow for higher debt ratios on a case by case basis.
Read the program details→Financing designed for qualifying properties in eligible areas. Ask about eligibility before you rule it out.
Read the program details→Term length is a lever, not a default. Shortening or lengthening the term changes both the monthly number and the lifetime cost.
Read the program details→Investor-friendly financing for fix-and-flip projects, ground-up construction, and rental property acquisitions. Common-sense underwriting, fast draws, and structures built around the deal — not a W-2.
Read the program details→Five steps, in order,with nothing hidden between them.
Understand the Goal
We start with what you are actually trying to accomplish — a first purchase, an investment, a lower payment, or cash out of existing equity.
Explore the Options
You receive options based on your unique criteria and scenario, with the differences between loan programs explained in plain terms.
Compare the Numbers
Compare mortgage interest rates and terms side by side. You wouldn't accept the first offer at the car lot — the same discipline applies here.
Apply & Approve
Complete the streamlined, 100% online loan application and move through the approval process quickly and seamlessly.
Close
Work with Beacon and your home loan or refinance can be fully funded — usually in less than 30 days.
Your home loan could be fully funded 30 days from now.
Six ways I help youlock in lower rates.
Personalized mortgage solutions, fast customized quotes, competitive options, clear financial guidance, responsive communication, and service with integrity.
Secure Your Home Purchase Loans
Rates are competitive — so it's a great time to buy. We'll help you apply for, compare, and choose a home purchase loan that makes your dream home an affordable reality.
Refinance for Better Rates
Take advantage of today's terms to significantly lower your monthly payment, the interest you pay over the life of your loan, or both.
Compare Rates & Pick the Best
Don't just take your first mortgage offer. Use the rate comparison tool to shop around and find the terms that work best for you.
Get Your Loan Funded Faster
Other lenders giving you the runaround? Fast funding options mean you'll never miss out on the house you really want.
Evaluate Your Property
Know where you stand. With an up-to-date property evaluation in hand, you'll be better equipped to choose loan terms that fit your goals.
Get a Cash-Out Refinance
Take advantage of your home's equity with a cash-out refinance — and put your home loan to work for you.
“The communication with Alex and the way he does not sugar coat anything. We appreciate the feedback and honesty.”
“Alex and his team were so incredibly professional. Their response times were impressive. So on top of his game. Initially I was overwhelmed but quickly realized I was working with pros. I will definitely be referring him.”
Get your personalizedmortgage options.
Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Pick the line that matches your situation — you'll go straight to the right tool.
Prefer to talk it through? (786) 305-7934