Direct Rate · Dual-Licensed Real Estate Agent & Mortgage Loan Originator
Alfonso Cisneros
Dual-Licensed Real Estate Agent & Mortgage Loan Originator
NMLS# 2693936 | AZ RE License# SA680850000 | Serving Metro Phoenix, AZ
"Integrity is my key — and my job is to get the best deal for my clients."
About Alfonso Cisneros
Alfonso Cisneros is a dual-licensed Real Estate Agent and Mortgage Loan Originator serving Metro Phoenix and the Northwest and Southwest Valley. An Arizona native with seven years in real estate and a background in the financial industry, Alfonso brings a straightforward, no-nonsense approach to every transaction.
He became dual-licensed for one reason: to make the process clear and have control over the entire transaction. With one accountable professional managing both the property side and the financing side, his clients get fewer surprises, faster answers, and a cleaner path to closing.
What sets Alfonso apart comes down to three things: time, dedication, and integrity. His ideal client is motivated to win — and he matches that motivation with availability on nights and weekends and a commitment to getting the best deal possible.
The question Alfonso hears most: "Is now a good time to buy?"
It's almost impossible to time the market. The best time to buy is when you can afford it.
Credentials & Licenses
Who I Serve
Primary focus: Move-up buyers · Downsizers · Self-employed.
Loan Options I Originate
From move-up buyers and downsizers to the self-employed — here are the products Alfonso works with most, with Conventional as his specialty.
Conventional
Alfonso's specialty — flexible options for buyers with strong credit and documented income, with competitive rates.
FHA
Low down payment options and flexible qualifying for first-time buyers and growing families.
VA
Zero down payment loans for eligible veterans and active-duty servicemembers. No PMI and flexible standards.
Bank Statement Loans
Bank statement qualification for self-employed borrowers whose tax returns don't reflect their true cash flow.
Why Work With Alfonso
Control Over The Entire Transaction
One dual-licensed professional managing both the property and the financing — clarity from offer to closing.
Financial Industry Background
Before real estate, Alfonso built his career in finance — numbers, qualification, and structure are home turf.
Arizona Native
Born and raised in Arizona — real local knowledge of Metro Phoenix and the Northwest and Southwest Valley.
Time, Dedication & Integrity
Available nights and weekends, responding within 24 hours — motivated to win for clients who are motivated to win.
Get In Touch
Call, text, or email — Alfonso is available nights and weekends and responds within 24 hours.
Get The Best Deal — With Integrity.
"It's almost impossible to time the market. The best time to buy is when you can afford it."
Alfonso Cisneros | NMLS# 2693936 | AZ RE License# SA680850000
DirectRate, LLC | NMLS# 2320473
Equal Housing Opportunity