Maria Arce

Mortgage Loan Originator

Orlando- Florida

NMLS- 2101605

States Licensed: Florida, Puerto Rico

Maria has a background has been in Product Management, Sales, and Business Development throughout all Latin American countries. Because of the pandemic and all the challenges happening around the world, she decided to venture into a new professional journey in the real estate industry and become a Mortgage Loan Originator in 2021. She is committed to providing excellent customer service, smooth transactions, a pleasant experience, and ideal financing options whether you are purchasing your first home, investing in real estate, or refinancing your home. She will make certain to provide all options to help you choose the best solution for your unique situation. Maria has a reputation for going the extra mile for her clients, achieving great results, and establishing a lasting relationship. As a multilingual home loan professional, she provides you exceptional service in English, Spanish, and some Portuguese. Maria is from Uruguay and has a lovely family who inspires her to be a better person and professional every day. She loves to travel, enjoys the outdoors, and dedicates her free time to learn and explore because she is very curious. Maria's goal every day is to help you with getting the home of your dreams.

EPM Mortgage Products

EPM offers a wide variety of products to help you purchase or refinance your home. We are licensed in all 50 states including Puerto Rico and Washington, D.C. and are dedicated to bringing you access to the most diverse array of home lending products available in the industry. 

Conventional Loans

Conventional loans are loans that are not insured by the federal government. The borrower must have good credit, sustained employment, and income history, and be able to put down at least 3% of the total loan.

If putting down less than 20%, most lenders require PMI or Private Mortgage Insurance to be able to recover in a situation of default. Some lenders do have conventional loans a low down payment and no private mortgage insurance.

FHA Loans

FHA Loans or Government-Insured Federal Housing Administration Loans are often times used for low-to-median-income buyers when buying their first property when they cannot qualify for a conventional loan.

You can put down as little as 3.5% and these loans usually have more lenient credit-score requirements. All FHA borrowers pay an upfront and annual mortgage insurance premium (MIP) which is an insurance policy for the lender backed by the federal government.

VA Loans

VA Loans are loans insured by the U.S. Department of Veterans Affairs (VA) and are a guaranteed home buyer loan for military service members, veterans, and their spouses. Borrowers can finance up to 100% of the loan amount without a required down payment.

These loans usually have lower interest rates, lower closing costs, and no PMI or MIP is necessary. VA loans may require a funding fee however, some do not and the fee varies based on service category and loan amount.

Jumbo Loans

Loans over $548,250, which is the conforming loan limit for a one-unit property, are considered jumbo loans. Some lenders classify jumbo loans as riskier and so, will require documentation of larger cash reserves, a strong credit score, and a down payment between 10-20%.

Bank Statement Loans

This loan program is ideal for buyers that earn seasonal income, are independent contractors, or are self-employed. Working with your information on bank statements and other documentation, we are able to lend based on your income.

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