Jose Paiz has been in the banking and housing finance industry for over 25 years. Jose specializes in helping first-time homebuyers achieve the "American Dream of Homeownership. Jose offers his clients a wide range of purchase and refinancing loan options, and deliver those with low rates and great service and advice. In addition to the traditional mortgage programs (Conventional, Jumbo, FHA, VA, USDA) he can also offer non-traditional loan programs (ITIN, bank statements, 100% financing, recent credit events, etc.) A strong believer in his clients making informed decisions, Jose works with non-profit organizations and local government entities providing educational workshops and seminars for First Time Homebuyers. A native Spanish-speaker, Jose is a past President, Director and Founder of the Northern Virginia Chapter of the National Association of Hispanic Real Estate Professionals (NAHREP). NMLS ID# 1309052 | VA-MLO-27387VA