In this insightful episode of the Agents Lounge Podcast, hosts Francisco Bermudez Jr. and Marco Salinas welcome a special guest, Raymond Fuentes, a seasoned mortgage professional from Southwest Funding. As the first lender to grace the platform, Raymond brings a unique perspective to the show, shedding light on the intricacies of the mortgage industry.

Raymond shares his journey, starting in the credit repair business and transitioning into the world of mortgages in 2018. He candidly discusses the challenges he faced during the tumultuous year of 2020, when the COVID-19 pandemic disrupted the real estate market. Raymond’s firsthand experiences provide listeners with a behind-the-scenes look at the mortgage landscape, offering valuable insights into navigating the ever-changing industry.

One of the key topics explored is the current state of the market, with Raymond emphasizing the importance of setting realistic expectations for clients. He cautions against making bold predictions about future interest rates, urging listeners to focus on the options available today rather than speculating about tomorrow. This pragmatic approach is a refreshing departure from the hype and hyperbole often found in the industry.

Raymond delves into the unique needs of self-employed individuals and investors, showcasing his expertise in navigating alternative loan programs, such as bank statement loans and debt service coverage ratio (DSCR) loans. These insights are particularly valuable for real estate agents working with a diverse client base.

Throughout the conversation, Raymond emphasizes the importance of communication, accessibility, and transparency in the mortgage process. He shares his strategies for building strong relationships with real estate agents, highlighting the value of prompt responses, personalized service, and a commitment to going the extra mile for clients.

Listeners will also gain a deeper understanding of the mortgage approval process, including the role of credit scores, income, and assets. Raymond provides practical advice for first-time homebuyers, as well as those looking to purchase additional properties while still maintaining an existing mortgage.

Whether you’re a seasoned real estate professional or aspiring to enter the industry, this episode of the Agents Lounge Podcast offers a wealth of insights and actionable tips from an experienced mortgage expert. Tune in to unlock the secrets of the mortgage world and gain a competitive edge in the ever-evolving real estate landscape.

About Raymond Fuentes:
Raymond Fuentes is an expert mortgage lender at Southwest Funding specializing in helping self-employed individuals navigate the complexities of the real estate market. With a keen understanding of the challenges faced by self-employed individuals, such as managing taxes and income documentation, Raymond provides unconventional financing solutions like bank statement and P&L loans. As a champion for client acquisition, he employs strategies involving networking, social media, and maintaining a strong Google presence with stellar reviews. Bilingual and always reachable, he prides himself on prompt communication and professional service, backed by a diligent team. Having transitioned from credit repair to a full mortgage business, Raymond’s expertise grew during the pandemic, adapting to the changing needs of homebuyers seeking more space and secure investments. With a remarkable track record of locking in rare low rates and guiding clients through the home-buying process with transparency, Raymond emphasizes education over mere rate hunting. A family man with ties to Harlingen, Texas, he relocated to San Antonio due to a job promotion before delving into mortgages. His downtime is spent indulging in cycling, hitting the gym, fishing, and beach vacations. Raymond’s genuine approach to client interaction, coupled with his passion for the industry and care for his family, makes him a distinctive voice in the mortgage lending space.



About The Show Sponsor:

The Agents Lounge Podcast is proudly sponsored by Airtegrity Comfort Solutions, your trusted HVAC experts in San Antonio, TX. With a commitment to exceptional service and top-notch comfort, Airtegrity is dedicated to keeping your home or business cool in the scorching Texas heat.

Visit their website at to discover the range of services they offer. From professional air conditioning installations to reliable repairs and maintenance, Airtegrity has you covered. Their team of skilled technicians is equipped with the knowledge and expertise to handle all your HVAC needs efficiently and effectively.

Whether you’re looking for a new system installation, need repairs, or want to schedule routine maintenance to ensure your HVAC system is running smoothly, Airtegrity Comfort Solutions is just a phone call away. Reach out to them at 210-446-0105, and their friendly staff will be ready to assist you.

Experience the comfort and peace of mind that comes with Airtegrity’s exceptional HVAC solutions. Trust their reliable service and enjoy the benefits of a well-functioning heating and cooling system. Visit their website or call them today to schedule your next HVAC service. Airtegrity Comfort Solutions, your go-to HVAC experts in San Antonio, TX.

Marco Salinas

Marco Salinas is an Amazon Best Selling Author and has co-authored a book with the legendary sales and personal development consultant Brian Tracy. Marco is a Business and Marketing Coach himself, having previously hosted a radio show on 930AM the Answer in his hometown of San Antonio, and has been interviewed on numerous local TV news affiliates.

Francisco Bermudez Jr

Francisco Bermudez Jr is the experienced owner of Airtegrity Comfort Solutions, an HVAC business in San Antonio, TX. He provides reliable services to residential and commercial clients, constantly seeking new ways to improve efficiency.