Commerce, California

Your local mortgage broker in Commerce

Commerce is known for its industry and the Citadel Outlets, but behind that are quiet residential pockets like Rosewood where homes rarely come up for sale. When one does, the buyers are usually locals who want to stay on their own block — and that's exactly who Miguel A. Vazquez, NMLS #401212, works with. As a broker, not a bank, we compare many lenders to fit FHA and first-time-buyer files to a below-county price range.

Minutes from Downey

Our office sits just south in Downey, a few minutes from Commerce. Come in person when you want, or handle the whole loan remotely by phone and email — either way you deal with the same broker.

7847 Florence Ave #101, Downey, CA 90240

Downey office and map

Serving Commerce & the neighboring cities

A small city among the larger southeast county communities we serve — helping families in Commerce and nearby, including:

  • Los Angeles County
  • Orange County
  • Riverside County
  • San Bernardino County
  • San Diego County

Common questions

Listings are rare here — how do I get ready to move quickly?

A free pre-approval up front. When a home in a pocket like Rosewood finally hits the market, a ready pre-approval lets you make a serious offer the same day instead of scrambling. It costs nothing and comes with no obligation.

We want to buy together as a family — is that possible?

Yes. A lot of Commerce purchases are multigenerational — parents and adult kids buying on the same block. We structure the income and the loan so everyone on title actually qualifies. We won't promise a rate or approval until the file is reviewed.

Can I buy with an ITIN instead of a Social Security number?

Yes. We work with borrowers who file taxes on an ITIN and will walk you through the down payment and documents those programs require.

What credit score do I need?

There's no single cutoff — programs have different minimums, and FHA in particular is flexible. Rather than guess, let's look at where you are; sometimes a small change makes a real difference.

Is help available in Spanish?

Yes. Every call, document, and explanation is available in English or Spanish with the same person, so nothing gets lost along the way.