Ernesto Silva

Loan Originator

NMLS#1869557

En Español →

A tech-savvy loan officer who answers your questions when you actually have them, days, nights, and weekends.

English & Español

Start Here

Where do you stand right now?

Pick the spot that fits you best. I will meet you there and map out the next step.

🔑

Buying my first home

“New to all of this? I will walk you through every step in plain language, and I am easy to reach when questions come up.”

Let's get started →

📋

Checking what I qualify for

“Want to know your budget before you shop? Let’s get you pre-approved so you can move with confidence.”

Check my options →

💬

Prefiero hablar en Español

“I am a bilingual loan officer serving Arizona families. We can handle your whole loan in Spanish, start to finish.”

Ver mi página en Español →

Don’t see your situation? No problem. In 10 years I’ve worked through just about every scenario, including refinances. Just give me a call:

(602) 736-6487

What I Do Best

Here's Where I Specialize

These are the loans I work with most, matched to real Arizona buyers.

Conventional Loans

A solid fit for buyers with steady income and decent credit. I will show you if it beats your other options.

Competitive rates for qualified buyers
As little as 3% down for some buyers
Clear answers on every detail

FHA Loans

Lower down payment and flexible credit make FHA a strong choice for many first-time buyers.

Down payments as low as 3.5%
Flexible credit guidelines
Great for first-time buyers

Down Payment Assistance

Short on cash for the down payment? Arizona has programs that can help, and I will help you find them.

Programs for eligible buyers
Pair with FHA or conventional
I handle the paperwork

Here's How It Works

No surprises, no pressure. This is what the process actually looks like.

1

Tell me your situation

"We talk through your goals, your timeline, and your finances. No commitment. Just a conversation."

2

I review your options

"I shop your scenario across multiple lenders and bring back the best options with real numbers."

3

You choose the best fit

"You decide. I'll walk you through each option in plain English, without the pressure or the jargon."

4

We close - I'm with you

"From application to closing keys, I manage the process and stay reachable the whole way."

No commitment required. Just a conversation.

The Process

Here's How It Works

Four simple steps. I keep you informed and I am available when you need me.

1

We talk

Tell me your goals. I listen first, then explain your options in plain language.

2

Get pre-approved

I review your numbers and give you a clear budget so you can shop with confidence.

3

Find your loan

As a broker, I compare lenders to find the loan that fits you best, not the other way around.

4

Close with ease

I stay proactive through underwriting so closing day is smooth and on time.

Run the Numbers

Try the numbers yourself

Get a feel for your payment and buying power before we talk. These are quick estimates.

Mortgage Payment Estimator

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Home Price ($)

Down Payment ($)

Down payment cannot exceed the home price.

Loan Amount ($)

Loan amount cannot exceed the home price.

Interest Rate (%)

Loan Term

Monthly Tax + Insurance (optional)

Estimated Monthly Payment

—

This is an estimate only. Your actual payment may vary based on your loan type, credit profile, and lender. Contact Steve for an accurate quote.

Use the full mortgage calculators and tools →

How Much Can I Buy?

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Household Income — Pre-Tax

Include all borrowers who will be on the loan. Enter your combined pre-tax income.

Monthly Debt Payments ($)

Include car payments, student loans, credit card minimums, and any other monthly loan payments. Do not include household bills such as rent, utilities, phone, or insurance.

Down Payment ($)

Based on what you've entered, you may qualify for a home up to

—

This is an estimate based on standard debt-to-income guidelines. Your actual buying power depends on your credit score, loan type, and lender. Talk to Steve for a real number.

Talk to Ernesto Silva for a real number — (602) 736-6487 →

From the First-Time Homebuyer Guide

Know your real number before you shop

Understanding pre-approval vs. pre-qualification so you shop with confidence, not guesses.

Down payment assistance is more common than you think

Most buyers don't realize help exists in their state. This guide shows you what's available.

Closing costs are negotiable

Knowing what's negotiable before you make an offer can save you thousands.

“I put this guide together for first-time buyers I work with.”

— Ernesto Silva

Free PDF — No email required

Wondering What Rate You'd Qualify For?

Let’s talk. I will look at your situation and give you honest, clear answers, with no pressure.

Why I Do This Work

“I want to make sure your questions are answered whenever you have them.”

I am Ernesto Silva, a loan officer here at Lender Express. I am a little different from other loan officers, and a big part of that is how I work.

I am younger and tech-savvy, so I move fast and I am easy to reach. Most people work nine to five, just like a lot of loan officers do. That is exactly why I make myself available outside those hours, so we can actually talk and get your questions answered when you have them.

My greatest skill is adaptability. I started in this business in 2020, right as the rules and the market changed fast. I learned the hard parts early, and that makes me steady when things get bumpy.

I am bilingual and proud to serve Arizona families in English and Spanish. Reach out anytime. I am ready to help.

Licensed in Arizona

NMLS#1869557

English & Español

Good Questions

Questions I Hear Most

Straight answers, no sales pitch. Browse the mortgage glossary for more definitions.

Understanding the Broker Model

How much do I need for a down payment?

It depends on the loan. FHA can be as low as 3.5% down, and some conventional loans allow 3%. Arizona also has down payment assistance programs. I will show you the options that fit your budget.

Do you work with first-time buyers?

All the time. First-time buyers are one of my favorite groups to help. I explain each step in plain language and stay easy to reach, so you never feel lost in the process.

¿Hablas Español?

Yes. I am bilingual and I help Arizona families in both English and Spanish. We can handle your entire loan in the language you are most comfortable with. Visit my Spanish page to learn more.

Why work with a broker instead of a bank?

A bank offers its own loans. As a broker, I compare many lenders to find the loan that fits you best. That means more options and a better shot at the right rate and terms for your situation.

Getting Started

Credit and Qualification

Specialty Programs

Working with Ernesto Silva

Licensing

Ernesto Silva
NMLS#1869557.

Verify licensing at www.nmlsconsumeraccess.org.

State Mortgage Loan Originator Licenses

LO-1007507

Lender Express Mortgage LLC is a licensed mortgage broker, not a lender. Loan programs, rates, and eligibility requirements are subject to change and vary by borrower.