Oscar Baez · Mortgage Loan Officer · Florida
Home Starts Here.
Clear, personal mortgage guidance in Florida, whether you're buying, refinancing or investing.
Getting a mortgage doesn't have to feel confusing. Our team walks you through every number and every step, from your first question to your front door.
Prefer to talk now? Call (305) 302-9291
- RoleMortgage Loan Officer
- LicensedSince 2012
- Experience500+ completed transactions*
- NMLS#958051
- WithCapstone Mortgage Lending · NMLS #1973764
What are you trying to do?
Swipe and tap the one that sounds like you.
Start with your goal. We'll help you sort out the loan details.
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Mortgage calculator
From payment to front door.
Drag the price to see a Miami-style home and your monthly estimate.
Drag the price. Watch the neighborhood change around you, and see what that home budget could mean every month.
South Florida townhouseIllustrative photo only. Not a listing or an offer.
Estimated monthly payment
$0
Estimate only. Not an approval, offer, guaranteed rate or guaranteed payment.
Estimates only, for illustration. The results are not a loan approval, a loan offer, a guaranteed rate or a guaranteed payment. Your actual rate, payment, mortgage insurance and costs depend on your credit, the property, the loan program and market conditions. Closing costs and prepaid items are not included. Home photos are examples of Florida homes and do not represent listings, current prices or availability; homes and prices vary widely by neighborhood.
Loan options
Find the right loan for your next move.
Pick a category, then tap a loan to read about it.
A plain-language overview. The Baez Lending Team will help you compare options with your real numbers. Eligibility and terms depend on your situation and current program guidelines.
Preview only: each program below is waiting for confirmation from Oscar and Capstone. Unconfirmed programs are hidden automatically when the site goes live.
Not sure which loan fits? That is exactly what the first conversation is for. Talk with our team
The process
The path home.
Five steps in plain language, so you always know what comes next.
- 1
Talk
Share your goals and your questions. We listen first.
- 2
Prepare
Review your financial picture and the paths that may fit it.
- 3
Pre-approval or application
Complete the right next step for where you are today.
- 4
Loan process
Move through documents and lending requirements, with updates along the way.
Closing
Sign, receive your keys, and walk through your front door.
Closing day
More than a closing.
Real moments from our closings, and a few words from Oscar on why he does this work.
“Grateful once again today to be here handing over the keys to two more families. Remember: every closing is much more than a transaction. We're here to open doors, build futures and close with confidence.”
Meet Oscar
- Opening Doors.
- Building Futures.
- Closing with Confidence.
A real person who guides you home.
Oscar Baez has been a licensed mortgage loan officer since 2012 and has completed more than 500 mortgage transactions for homebuyers and property investors.
To him, a mortgage is never just paperwork. Behind every file is a person, a family, or an opportunity to build lasting financial stability. That is why he takes the time to explain your options in plain language, keeps you informed at every stage, and stays with you from the first conversation until the keys are in your hand.
Your team
Oscar BaezMortgage Loan OfficerNMLS #958051
Ashley Marie JimenezMortgage Loan ProcessorNMLS #1938834
Ready to see what your next move could look like?
Choose the step that feels right.
Pre-approval is not a commitment to lend. All loans are subject to credit approval, underwriting and property eligibility.
Contact & appointments
Let's talk about your home.
Call, email or send a message. Prefer to meet? Book a time at the office or by phone.