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Hi, I'm [[FIRSTNAME]] and I'm a Bank of America lending specialist here to help with your home loan needs.

On this page, you'll find tools and resources to help you understand your home loan options. While you're browsing, my website will help guide and refer you to informative content, ensuring you're having the best experience possible.

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Joachim Ortiz
Ask questions or get prequalified Contact me 800.850.7655 Ext. 1561969

Current Mortgage Rates

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Estimate your personal rate with the mortgage calculator or the refinance calculator. If you want to talk about your options, set up a timeset up a time and I can go through them with you.
Rates based on a loan in ZIP code 32256
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Joachim Ortiz

Lending Officer NMLS ID: 1072785

I'm Joachim, and I'm dedicated to helping people find the home loan that comfortably fits their needs. As a Pinnacle Club member and a trusted partner to many people, I'm here to guide you through every step of the home loan process. Call me today if you're ready to get started or would like more information.

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Awards

  • Pinnacle Club

Additional languages

  • Spanish

Easy-to-use calculators

These mortgage calculators may be able to help you understand how much you can borrow or what costs may come up along the way.
Mortgage
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Calculate monthly mortgage payment and rate options. Estimate monthly mortgage payment
Refinance
calculator
Get a quick, custom rate based on your refinancing plans. Learn more about refinancing plans
Affordability
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Figure out what monthly payment could fit in your budget. Try it out with the Affordability Snapshot
Closing costs
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Estimate your closing costs based on area and purchase price. Calculate closing costs now
Home equity
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Find out estimated payments and rates for a HELOC. Calculate payments for a HELOC
Home value
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Discover the current estimated worth of your home. Find out more with the home value estimator
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If you're not sure where to start, I'm happy to talk with you about what you may be able to afford.
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I'm here for you

As a Bank of America Lending Specialist, I want to make sure that we find the right home loan for you.

These resources can help you learn about each step of the home loan process, whether you're looking for a home, hoping to refinance or interested in accessing your home’s equity. If you have any questions, feel free to reach out to me at any time.
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Not finding what you're looking for? Here are some other helpful links:
First-time home buying Understanding mortgage prequalification
What are mortgage points? Evaluating home equity

Better Money Habits®

Build your financial knowledge with educational videos and article on common home loan topics. Explore Better Money Habits

Home loan tools

Understand the ins and outs of homeownership, when to refinance and how to use your home equity. Read more about Home Loan Tools

Real Estate Center®

Find your future home by city and state or ZIP code. Search now on the Real Estate Center

Down Payment Resources

Search for down payment help in your area. Learn more about the Down Payment Resources

Help where you need it

Home Loan Navigator™

Home Loan Navigator™

When you apply for a home loan with me, the Bank of America Home Loan Navigator can help you track your loan status and more. Watch video on Home Loan Navigator

Online and Mobile BankingFootnote 2

Online and Mobile BankingFootnote 2

It's easy to manage your Bank of America home loan account with secure access from your laptop, tablet or smartphone. Find out more about Online and Mobile Banking

Preferred Rewards

Preferred Rewards

If you're a Bank of America client, you could qualify for a $200–$600 reduction in your home purchase or refinance loan origination fee, based upon your eligible balances at the time of your application.Footnote 1 Learn more about Preferred Rewards
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