Meet the person behind your loan.
Erick Martinez is a mortgage broker, not a one-lender loan officer. He shops over 170 lenders and runs every file personally, from the first conversation to the closing table.
Nine years in the industry. One goal: the best option for you.
I have been in the real estate and mortgage industry for over 9 years, including 5 years at Rocket Mortgage as both a loan officer and underwriter.
I moved into the broker world because I did not like being tied to one lender and not always being able to offer the best option for clients. Now, as a mortgage broker, I can shop over 170 lenders to find the best fit, especially if you are comparing options or have a more complex scenario.
Outside of work, I am big on family. I am a father of 3 and spend most of my free time with my kids and my amazing Filipina wife. I love going to the gym, training Muay Thai and Jiu-Jitsu, and playing chess. My father-in-law and I can sit there playing chess for hours. Every other weekend I am usually at my parents' house watching UFC, hanging out with family, and eating whatever everyone cooked that day.
Arizona is home. Family comes first.
I was born and raised in the West Valley, and I've worked in real estate and mortgages since 2018. Along the way, I've originated, processed, underwritten, and closed loans, so I understand what happens at every step, not just the sales side.
I use that experience to catch issues early, explain what's going on, and work closely with your agent, title company, and underwriting team. I'm not big on pressure or sales pitches. I'd rather give you clear answers and help you make a smart decision.
Three commitments on every loan.
Transparency
Rates, fees and timelines explained upfront. You will never be surprised at the closing table.
Speed
Same-day pre-approvals in most cases and funding in as little as five business days on qualifying loans.
Access
Your loan officer answers the phone. Questions get real answers, not a ticket number.
A program for nearly every situation.
Conventional
Low down payments, competitive rates and cancellable mortgage insurance.
FHA
3.5% down and flexible credit for first-time and rebuilding buyers.
VA
Zero down and no monthly mortgage insurance for those who served.
Non-QM
Bank statement, DSCR and asset-based loans for complex income.
Interest Only
Lower initial payments and cash-flow flexibility for strategic borrowers.
Reverse Mortgage
Convert equity into retirement cash flow with no monthly payment, age 62+.
Home Equity Investment
Cash from your equity with no monthly payments. Third position OK.
Subprime Credit & FHA
FHA down to a 500 credit score and non-QM options after credit events.
Digital HELOC
No tax returns or bank statements. Approval in minutes, funding in days.
Let's talk about your next move.
One call is usually enough to know where you stand. No obligation, no pressure.
