Carlos Palomino
Mortgage Broker | NMLS #1227188
"I show you the math. You make the decision."
Why I do this work
I've spent 12 years in finance helping families navigate one of the biggest decisions of their lives — buying or refinancing a home. I started in the mortgage industry because I saw too many people getting pushed into loans they didn't fully understand, especially in the Spanish-speaking community.
As a mortgage broker, I don't work for a bank. I shop over 30 wholesale lenders to find you the best rate and terms for your situation. That means I'm on your side of the table, not the lender's.
I built this site because I believe everyone deserves to see their numbers before they commit to anything. No pressure, no credit pull, no obligation. Just the math.
What makes working with me different
Banks only offer their own products. I compare rates from dozens of wholesale lenders to find your best deal.
Servicio completo en español. Not just translation — full cultural understanding of your needs and questions.
I show you every number, every assumption, every source. My results page cites Freddie Mac, FHFA, Urban Institute, and more — because you deserve to verify everything.
I don't pull your credit until you say so. I don't push products. If refinancing doesn't make sense, I'll tell you.
Licensed. Verified. Transparent.
- NMLS #1227188
- Team USA Mortgage LLC | NMLS #9908
- Licensed in Illinois & Indiana
- 12 years in finance
- Bilingual English / Spanish
- Verify my license at nmlsconsumeraccess.org