×A partnership for Madison Mortgage clients. Guido Haedo's team handles the loan. We handle the numbers behind it, and the house itself if you want the help.
Your loan is handled.
Now the numbers.
Guido Haedo and his team shop the lenders. We make sure the paperwork underneath holds up: books that reconcile, returns that are filed, and the documents underwriting is going to ask you for anyway. If you are buying or selling, we can handle that side too.
For clients and webinar attendees introduced by Madison Mortgage. No SSN and no documents needed to start.
Madison Mortgage closes the loan.
We keep the numbers behind it clean.
This is personal. I bought my own first home with Guido and Madison Mortgage. The team on this page is the team I trusted with my own keys, which is the only reason I am willing to put my clients in front of them.
Rafael Rosario Jr, founder, WAYG
“We're making getting a mortgage easier than ever before.”
Madison Mortgage Services Inc. · NMLS 1862796. Guido Haedo, Mortgage Loan Officer, NMLS 463402. Licensed in Florida.
mortgagesbyguido.com→Every Wednesday, the money behind the house, explained.
Guido and Rafael teach it together, live on Zoom Wednesdays at 7:00 PM ET, from September 2. Four topics that rotate monthly. Register once and come to any session.
A mortgage puts your finances under a light.
If you are self-employed, your books are the application.
A lender reads your returns and your profit and loss, not your bank balance. If the last two years are unfiled or messy, that surfaces late and slows everything down. Sorting it out beforehand is far easier than explaining it mid-underwriting.
What you can borrow decides what you can look at.
Touring homes before you know the real number wastes months and breaks hearts. Getting the income picture straight first means the search starts in the right price band, in the right neighbourhoods, with an offer that holds up.
Florida gives money back, if you claim it.
The homestead exemption takes real money off your property taxes every year, and the deadline is March 1 after you buy. Mortgage interest and property tax also change what you should be withholding. Most first-time buyers never adjust it.
Start free. Keep the discount either way.
A free 30-minute review
of where your numbers stand before you apply. No charge, no obligation, and no commitment to anything afterwards.
$250 off your tax return
if you need one prepared, already applied to the flat price you approve before we start.
A realtor who reads the numbers
if you are buying or selling. Rafael is a licensed Florida realtor with RE/MAX Advance Realty, so the property side and the tax side finally talk to each other.
One discount per household, for clients and webinar attendees introduced by Madison Mortgage.
Three steps, nothing to prepare.
Register above
Name, email, phone, and one tap for what you need. No Social Security number, no documents, nothing sensitive.
A free 30-minute review
We look at what a lender will see and tell you honestly what is ready, what is not, and what it would take to fix. If nothing needs fixing, we say so.
You decide, with a number
If you want us to do the work, you get a flat price before anything starts. No hourly billing and no obligation to continue.
Three lines, and we take it from there.
Questions people actually ask.
WAYG is an independent tax, bookkeeping, and advisory firm in Coral Gables, Florida. We are not a lender, we are not a mortgage broker, we are not affiliated with Madison Mortgage Services Inc., and we take no part in any lending decision. Nothing on this page is a loan offer or a promise of approval. No fee of any kind is paid between Madison Mortgage and WAYG for these introductions. Accounting and tax work is engaged and paid for directly by you, at a flat price you approve before any work begins. Real estate brokerage services, where you want them, are provided by Rafael Rosario Jr, a licensed Florida real estate agent (SL3369835) with RE/MAX Advance Realty, under a separate agreement, and not by WAYG. You are never required to use WAYG or any affiliated service to obtain a loan, and using us does not affect your loan terms. Tax outcomes depend on your own circumstances. Madison Mortgage Services Inc., NMLS 1862796. Guido Haedo, NMLS 463402. Equal Housing Opportunity.
Ready to make the numbers the easy part?
Thirty minutes now saves the week nobody wants, the one where underwriting asks for something you do not have.
Free for Madison clients and webinar attendees · English or Español · Reply within one business day