Your Local Mortgage Lender
Located in Tysons, Virginia
Personalized Mortgage Experience
Jose Burgos offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Tysons, Virginia.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
Buying Above $800K in 2026 and Here Is Why the New Conforming Loan Limit Changes Your Options
The Annual Adjustment That Opens Doors for Buyers in a Specific Price Range
Every year the conforming loan limit is recalibrated to reflect changes in home values nationally. For 2026 the baseline limit for a single-family home is $832,750. If you have been shopping anywhere in the $800,000 to $1,000,000 range Jose Burgos wants you to understand what that number means for your financing options before you make any assumptions based on last year's thresholds.
Why the Conforming Limit Is the Number That Actually Matters
The conforming loan limit defines the boundary between two fundamentally different lending environments. Finance below the limit and you are working within the conventional loan market. Finance above it and you cross into jumbo territory. Those two environments do not operate the same way and the difference between them affects your pricing, your qualification requirements, and the programs available to you.
In the conventional market a larger pool of lenders participates which creates competitive pressure that generally works in the borrower's favor on rate and terms. Underwriting guidelines are more standardized and tend to offer more flexibility. The range of programs available is broader and better suited to a variety of borrower profiles.
In the jumbo market the dynamics shift. Reserve requirements increase and lenders typically want to see more liquid assets after closing. Credit score thresholds and debt-to-income ratio standards can be stricter. Fewer lenders participate which reduces competition and can affect pricing. The overall program landscape narrows considerably compared to what conventional borrowers access.
Who Gains the Most From This Year's Increase
The buyers who benefit most directly from the 2026 conforming limit increase are those who were sitting just above where last year's limit landed. Under the previous limit their required loan amount fell into jumbo territory with all of the associated requirements. Under the 2026 limit that same loan amount may now qualify as conventional.
The practical outcomes of crossing back into conventional territory are meaningful in both directions. A buyer who previously had no choice but to navigate jumbo underwriting may now qualify under more flexible conventional guidelines. A buyer who was putting extra money down specifically to keep the loan amount below the old threshold may now be able to reduce that down payment and stay conventional, preserving cash for reserves, closing costs, or future investment.
Why Your County Number May Be Different From the Baseline
The $832,750 figure is the national baseline for standard-cost counties. High-cost areas carry conforming limits that can be significantly higher because local home prices are substantially above the national average. In those markets the line between conventional and jumbo financing sits well above the baseline and buyers who assume the national number applies to their county may be leaving options on the table.
Message Jose Burgos with your county and he will tell you exactly where the conforming limit falls in your specific market and how the 2026 adjustment changes what is available to you.
Sources
FannieMae.com
FreddieMac.com
ConsumerFinancialProtectionBureau.gov
MortgageNewsDaily.com
Investopedia.com
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