The clear path to your new home starts here
Buying a home doesn't have to be a mess. You get straight answers, fast pre-approvals, and one single point of contact from start to finish. In English or Spanish.
A full team behind every loan
Wholesale Mortgages is a mortgage company based in Brandon, Florida, founded and led by Javier Satizabal. As a wholesale broker, we compare options across multiple lenders to get the structure that works best for your case, not the one that works best for a bank.
Behind every application there is a bilingual team that responds fast, prepares your file with care, and follows up on every detail until closing day. You talk to one person; we move everything else.
- Real service in English and Spanish
- Fast response to every inquiry and every lead
- A coordinated process from start to finish
Clarity, speed, and a real person
Fast answers
Pre-approvals resolved in hours, not weeks. When the seller asks for a letter, you already have it ready.
Clear guidance
Everything explained in your language, no jargon, no pressure. You'll understand every step and every number before you decide.
Real support
One single point of contact from application to keys. No call centers, no being passed from hand to hand.
Hi, I'm Javier Satizabal
My job is simple: make buying a home feel easy, clear, and in your favor. I know the process can be scary, especially when you feel like nobody explains things the way they really are.
That's why I work differently. No call centers, no runaround, no surprises. I walk you through step by step, I answer the phone, and I make sure you understand every decision before you make it, in English or Spanish.
As Founder and CEO of Wholesale Mortgages, I have access to wholesale lenders and a full range of programs, including options for self-employed borrowers, 1099 income, and investors. I fight for the best option for your situation, and I remain a resource for you even after closing.
The right loan for where you are today
I work with the full range of Wholesale Mortgages products. These are the most requested.
Non-QM · 1099 Loans
Self-employed or income that doesn't fit the traditional mold? Alternative documentation programs built for you.
Conventional
30-year fixed rate with stable payments for the life of the loan.
FHA
Government-backed loan with flexible requirements and a low down payment.
VA
For active military and veterans, with up to 100% financing.
Investors · DSCR
Finance investment properties qualifying on the property's cash flow.
Refinance
Lower your monthly payment, pull equity, or change the term of your current loan.
We also offer Jumbo, USDA, first-time buyer, construction, and HELOC. Ask me about your case.
Three steps, zero hassle
Get your pre-approval
Apply online in minutes. I review your situation and tell you clearly how much you can buy.
Find your home
Shop with confidence knowing your real budget, with a letter that strengthens your offer.
Close with peace of mind
I handle all the details so you close on time and stress-free, with one person in charge.
Book your free strategy call
Pick the day and time that work best for you. We'll talk by phone, no cost and no commitment.
Plan before you buy
Families who already bought with confidence
"After a previous lender failed to move the process forward in a timely manner, Javier and his team stepped in and helped us close in just 8 days. Their dedication and responsiveness were beyond impressive."
"Javier is a great broker, he helped us close on our new house and made the process so easy. We were able to close in less than 30 days of making the offer."
"It was a fantastic experience working with Javier, he was helping me throughout the process until the last day. Very professional, I already told some friends about him."
"Javier did an outstanding job and worked wonderfully as a team with my realtor, which was key to a smooth closing. He went above and beyond with the numbers to make sure my monthly payments were truly comfortable, always transparent and clear."
"An incredible experience from start to finish. Always one step ahead, answering questions, explaining every step clearly, and making sure we got the best possible rate."
"Excellent Loan Officer. I can't thank him enough for his assistance with my loan. He never gave up on me during this stressful process."
Ready to take the next step?
Tell me where you are and I'll tell you clearly what your options are. No cost, no commitment.
Brandon, FL 33511
Request your free consultation
Your homebuying plan starts today
Take the first step with someone who explains everything in your language and fights for your best option.
Get my free strategy