I compare banks and negotiate deals
Your trusted mortgage advisor
My name is Manuel Muñoz. I am dedicated to transforming complex processes into clear and confident decisions. I analyze your case, compare banks, and negotiate on your behalf to secure the financing that best suits your profile in Campo de Gibraltar and Costa del Sol.
Experience and judgement
Helping buyers secure mortgages with favorable terms for years. I know the local market and I know what lenders look for when approving and improving an offer.
Clear methodology
First, study and feasibility. Then strategy and pre-approval. Next, documentation management, appraisal, and negotiation. Finally, signing at the notary’s office with everything under control.
Areas and availability
On-site and online work in Campo de Gibraltar and Costa del Sol. Available Monday to Friday, 10:00 a.m.–2:00 p.m. and 5:00 p.m.–7:00 p.m. Outside of these hours, send me a message on WhatsApp and I will respond during the next available time slot.
Documentation and pre-approval
I provide you with a document checklist and instructions on how to submit it to avoid mistakes. We review your income, debts, and job stability, and I arrange pre-approval with lenders so you can move forward with real backing.
Appraisal, conditions, and signing
I coordinate the appraisal, compare offers, and negotiate the terms so you can sign with confidence. I accompany you to the notary, answering questions and ensuring that everything is ready on time.
