C2 Reverse Mortgage: Carlos Perez, Ph.D.

About Carlos Pérez, Ph.D.

Carlos Pérez, Ph.D., began his real estate career in 1999 after earning a master's degree from Harvard. He gained initial experience as an unlicensed assistant at Marcus & Millichap before obtaining his real estate salesperson license in 2001 and working as an agent with Century 21. Concurrently, he pursued a career in education, obtaining a teaching credential and teaching English as a Second Language (ESL), composition, and grammar from 2001 to 2016. In 2005, he earned his real estate broker license and later joined RE/MAX New Dimension as a broker associate, achieving awards through the Momentum program. Dr. Pérez holds a Ph.D. in education from Chapman University, with his dissertation focusing on multilingual families. Fluent in English and Spanish, he is dedicated to serving diverse communities. His expertise spans financial services, teaching, real estate sales, finance, marketing, and technology, emphasizing continuous learning and improvement.

Credentials & Expertise

Carlos Pérez, Ph.D., brings a unique blend of academic achievement and practical experience to the mortgage industry. He holds a master's degree from Harvard and a Ph.D. in education from Chapman University. His dissertation explored multilingual families in Southern California, reflecting his commitment to understanding diverse client needs. Dr. Pérez is fluent in both English and Spanish, enabling him to serve a broader clientele effectively. He possesses both a real estate broker license and a mortgage broker license (NMLS #1507794), underscoring his comprehensive knowledge of real estate transactions and financing. His background includes extensive experience in real estate sales and finance, complemented by years of teaching, which informs his client-focused approach.

Mortgage Solutions Offered

Carlos Pérez, Ph.D. offers a comprehensive suite of mortgage solutions designed to meet the needs of various generations, a concept he terms 'Generational Lending.' This includes programs for first-time homebuyers, individuals and families seeking to purchase larger homes or refinance existing ones, and seniors exploring reverse mortgages (HECM). Specific loan options available include 30-year fixed mortgages, 15-year fixed mortgages, Adjustable Rate Mortgages (ARMs), FHA loans, VA loans, Jumbo loans, 203K loans, USDA loans, HARP loans, and reverse mortgages. He also provides free tools such as a payment calculator, refinance analysis, and pre-approval letter services, aiming to empower clients with financial knowledge and options.

Unique Advantages

Carlos Pérez, Ph.D. distinguishes himself through his dual expertise in finance and education, fluency in English and Spanish, and his innovative 'Generational Lending' approach. He holds advanced degrees from Harvard and Chapman University, alongside real estate broker and mortgage licenses. His commitment to serving multi-generational families and his deep understanding of diverse financial needs, particularly for seniors exploring reverse mortgages, set him apart. He emphasizes client education and empowerment, ensuring individuals are well-informed about their mortgage options.