A BETTER WAY TO GET A MORTGAGE

A better mortgage starts with more options.

Compare loan programs from dozens of lenders, run the numbers with powerful calculators, and get guidance from a mortgage broker that is on your side every step of the way. 

Built for borrowers who want clarity.

More choice without more confusion.

30+

Lending partners

2013

In business since

5 states

Current service area

100+

Five-star ratings

Today's mortgage rates
Live · updated 31 seconds ago
30-yr fixed
6.66%
6.671% APR
15-yr fixed
6.086%
6.107% APR
FHA 30-yr
5.938%
6.947% APR
VA 30-yr
6.228%
6.448% APR
National averages · not a commitment to lend
START WITH YOUR GOAL

What are you trying to do?

Choose the path that sounds most like you. We’ll help you understand the options, the numbers, and the next step.

Compare first-time buyer, conventional, FHA, VA, USDA, jumbo and down-payment assistance options.

Lower a payment, access cash, consolidate debt or compare a shorter loan term.

Compare HELOCs, fixed home equity loans and cash-out refinancing without guessing.

Explore DSCR loans, investor HELOCs and alternative income documentation programs.

MORTGAGE MATCH

Not sure which mortgage fits? Let us do the sorting.

Mortgage guidelines get complicated fast. Answer a few straightforward questions and Mortgage Match will point you toward loan options worth exploring.

LOAN PROGRAMS

Mortgages are not one-size-fits-all.

From traditional home loans to complex self-employed and investor scenarios, Andes gives you more ways to structure the deal.

PURCHASE & PRIMARY HOMES

Conventional and government-backed options for primary residences, second homes and qualified buyers.

BUSINESS OWNERS

Alternative income documentation for borrowers whose tax returns do not tell the whole story.

INVESTORS

Financing designed around rental income, investment cash flow and complex property scenarios.

BUILD & IMPROVE

Finance a custom build or eligible repairs with programs structured around the project.

USE YOUR EQUITY

Compare ways to access equity without automatically replacing a strong first mortgage.

MORTGAGE CALCULATORS

Run the numbers before you make the move.

Explore payments, buying power, closing costs, refinance savings and home-equity scenarios using tools designed around how mortgages actually work.

Estimate principal, interest, taxes, insurance and mortgage insurance.

Explore a realistic home-price range based on income, debts and cash.

Estimate lender, title, prepaid and state-specific closing expenses.

Model FHA payments, upfront MIP, monthly MIP and cash to close.

Compare the new payment, breakeven point, costs and potential savings.

Estimate draw-period and repayment-period payments for a HELOC.

THE BROKER ADVANTAGE

One application. More ways to get the deal done.

A bank generally offers its own products. Andes compares options across multiple wholesale lenders and helps you understand the tradeoffs.

01

More Loan Options

Traditional, government, Non-QM, investor, construction and home-equity programs—all under one roof.

02

Real Mortgage Guidance

We explain the rate, payment, cash to close and long-term tradeoffs—not just the approval amount.

03

Wholesale Lending Access

Compare options from multiple lenders instead of forcing every borrower into one product menu.

04

Hands-On Communication

A responsive team that coordinates with borrowers, agents, title companies and closing partners.

MEET ANDES MORTGAGE

Mortgage advice from people who actually know the guidelines.

Marcos Zambrano founded Andes Mortgage to give borrowers access to more programs, clearer explanations and a less frustrating mortgage experience.

The team helps first-time buyers, homeowners, self-employed borrowers and real estate investors navigate everything from conventional financing to complex Non-QM scenarios.

Real people, real closings

5/5

100+ ratings

Rebekah Apostol
Rebekah Apostol
We loved working with Marcos and his team! They are all very friendly, on top of details, and a pleasure to work with. We are first time home buyers, and Marcos took his time to educate us on the steps we needed to take to improve our credit and financial situation in order to be well prepared to buy a home. Once we were ready, he educated us in the home buying process, and made everything very easy. His rates were also much lower than others we saw. We would recommend his services to anyone looking for a lender! Our very experienced realtor was even very impressed with how smooth and quick the process was with Andes Mortgage!
Zyska Walters
Zyska Walters
Let’s just say Andes Mortgage as our broker was the best decision we made. We worked with Marcos who explained the process very well and was available when we had questions. Our realtor was the one to refer him to us. They definitely work fast and we closed within two and a half week of going under contract. His entire team was great and communicated well. We will definitely work with them in the future.
Nicole Falco
Nicole Falco
Being first time home buyers and going through the process first time, it was quite overwhelming beginning the process…. Until our paths crossed with Marcos! He was kind, professional, honest, friendly, welcoming, and made the entire process seamless and smooth for us! Not to mention, he earned our trust right off the bat!! It’s refreshing to be in the hands of someone who actually has our best interest at heart and puts his clients first. We’re forever grateful for Marcos and will continue to recommend him to any and ALL of our friends and family who are looking to apply for home mortgages!!!!
Adrian Garcia
Adrian Garcia
Working with Marcos has been such a good experience. He helped me a lot during my initial purchase and also now during my refinancing process. He always keep you informed either by phone, mail or text. If you are looking to buy a house or refinance, he is definitely the option!
STATES WE SERVE

Local mortgage guidance across five states.

Andes Mortgage currently serves homebuyers, homeowners and real estate investors in Alabama, Florida, Georgia, South Carolina and Texas.

MORTGAGE EDUCATION

Understand the mortgage before you sign it.

Practical guides, calculators and market explanations designed to help you make a more informed decision.

COMPLETE GUIDE

Understand qualification, down payment, closing costs, offers and what happens after pre-approval.

PAYMENT TOOLS

Market commentary, guidelines, how-to, and expertise from our years in the industry written in a format that’s easy to understand. 

VIDEOS & INSIGHTS

Clear explanations of rates, guidelines and housing-market changes without the industry jargon.

Learn with Mr.Mortgage101

Straight answers and education. No jargon.

Deep dives on the decisions that actually move the needle.

Self-employed borrowers may be able to qualify for a mortgage using a profit and loss statement instead of relying solely on tax returns. Learn how
DSCR loans may help investors qualify for rental property financing based on property income instead of traditional personal income documentation. Here’s how they work.
If you want to buy an investment property in an LLC, the loan type matters. Here’s why investors should ask about LLC ownership before closing.

You do not need to know which loan you need yet.

Tell us what you are trying to accomplish. We’ll help you compare the options, understand the numbers and determine the best next step.