Team Ortiz

Angel Ortiz

Branch Manager

NMLS #

1794741

As a Loan Officer, my mission is to make the mortgage process simple, clear, and tailored to your unique needs—whether you’re purchasing your first home, refinancing, or expanding your real estate portfolio.

I believe in building real relationships with my clients and being a trusted resource throughout the entire loan process. I’ll take the time to understand your goals, walk you through your options, and find the right solution to help you move forward with confidence.

210.445.0439

angel@altahl.com

teamortiz@altahl.com

815 Hawthorne St Houston, TX 77006

Lending in:

Texas

Lending in:

Georgia

Lending in:

Florida

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Team Ortiz

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Loan Programs & Types.

These are just a few of the many mortgage options out there. The best one for you depends on your finances, credit, and homeownership goals. Let’s chat—we’ll walk you through your options and help you find the perfect loan for your dream home!

Conventional Loan

A conventional loan is a mortgage that is not insured or guaranteed by the federal government. It is backed by private lenders and typically follows the guidelines set by Fannie Mae and Freddie Mac. These loans come in fixed-rate or adjustable-rate options and typically require private mortgage insurance (PMI) if the down payment is less than 20%.

FHA Loan

An FHA loan is a government-backed mortgage designed for borrowers who may have lower credit scores or smaller down payments. It is insured by the Federal Housing Administration, which makes it easier for lenders to approve borrowers with credit scores as low as 500 (with a 10% down payment) or 580 (with a 3.5% down payment).

VA Loan

A VA loan is a mortgage loan available to eligible veterans, active-duty military personnel, and their families. It is guaranteed by the U.S. Department of Veterans Affairs, allowing lenders to offer zero down payment, no private mortgage insurance (PMI), and competitive interest rates.

USDA Loan

A USDA loan is a government-backed mortgage designed for low-to-moderate-income borrowers purchasing homes in rural and some suburban areas. The loan is issued by approved lenders and guaranteed by the U.S. Department of Agriculture, offering zero down payment and lower mortgage insurance rates.

Jumbo Loan

A jumbo loan is used for home purchases that exceed conforming loan limits, which are $726,200 in most areas or up to $1,089,300 in high-cost regions. These loans have stricter qualification requirements, including higher credit scores (typically 700+), larger down payments (10%-20%), and strong income verification.

Alta connect app

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Simplify your home loan journey with the Alta Connect app. Apply for a mortgage, securely upload and sign documents, use powerful calculators, and track your loan progress—all in one convenient place. Stay informed and in control, every step of the way.

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What Clients Are Saying.

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Angel Ortiz

Team Ortiz

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