Buying a home can be exciting—but if English isn’t your first language, the process can feel intimidating. Confusing paperwork, unfamiliar terms, and limited access to support in Spanish can quickly turn your dream into stress. That’s why having a team who truly understands your journey—and your language—makes all the difference.
In the DMV area (D.C., Maryland, Virginia, and West Virginia), John Walowac and realtor Jose Barreto have teamed up to make homeownership easier and more accessible for Spanish-speaking families. They don’t just speak your language—they get it. From home loan programs for Spanish speakers to local insight, this is the team that walks with you from start to finish.
Meet the Dream Team for Spanish-Speaking Buyers
John Walowac – The Mortgage Guy Who Makes Home Loan Programs for Spanish Speakers Easy
John Walowac is a Senior Mortgage Advisor with The Yi Team Mortgage, and he’s known for his ability to simplify the loan process with warmth, clarity, and confidence. Whether you’re a first-time buyer, a military family using your VA benefits, or purchasing an investment property, John takes a hands-on, heart-forward approach that turns stress into peace of mind.
John works alongside licensed loan officer Christa Fitch, his right-hand partner who keeps everything running smoothly behind the scenes. Together, they guide clients step-by-step—making sure no one gets left behind due to language, credit fears, or lack of experience.
And yes—The Yi Team has Spanish-speaking staff available to support clients through every stage of the loan process.
“I treat every client like family. We’re here to serve, solve problems, and get you home—together.” – John Walowac
Jose Barreto – Your Bilingual Real Estate Expert
Born in Puerto Rico and fluent in both Spanish and English, Jose Barreto is more than a top-producing realtor—he’s a true advocate for his clients. Since 2012, Jose has helped buyers, sellers, and renters throughout Northern Virginia with personalized, honest, and expert guidance. He’s especially passionate about coaching other Spanish-speaking real estate agents and creating smoother experiences for first-time buyers.
Jose brings a unique edge to the table with his prior mortgage lending experience, giving him deep insight into both the real estate and financing sides of the transaction. That means he not only finds you the perfect home—he also helps you understand your options and avoid common financial missteps.
“I take pride in helping each family feel seen, supported, and successful. That’s what it’s all about.” – Jose Barreto
Why Spanish-Speaking Buyers Matter
The Hispanic community is the fastest-growing homebuying group in the U.S.—especially in the DMV. According to NAHREP, over 8.3 million Hispanic adults are mortgage-ready, many of them millennials looking to buy their first home. [NAHREP 2024 State of Homeownership Report]
This is a demographic that values trust, relationships, and cultural understanding. And when real estate professionals take the time to speak their language (literally and figuratively), the results are powerful.
Common Challenges for Spanish-Speaking Buyers
- Language barriers that make the process feel confusing or overwhelming
- Few Spanish-language documents or translated loan materials
- Not enough bilingual realtors or loan officers
- Fear of denial, especially among first-time buyers or self-employed individuals
Home Loan Programs for Spanish Speakers That Make Homeownership Possible
The good news? There are several loan programs designed for buyers who don’t have perfect credit or huge savings. These programs can be used by many Spanish-speaking buyers—especially with a team like John and Jose to help explain them clearly.
FHLB Grant
Up to $17,500 toward down payment and closing costs—no repayment required. Available for first-time buyers in the DMV area.
HomeReady Loan
Just 3% down with flexible income and credit guidelines. Great for multi-generational families or buyers with limited traditional credit.
FHA Loan
Only 3.5% down and ideal for those with lower credit scores or little credit history.
VA Loan
Available for eligible veterans and active-duty military. No down payment, no mortgage insurance, and very competitive rates.
DSCR Loan (For Investors)
Perfect for buyers looking to purchase rental property. These loans are based on the income of the property, not personal income.
How Lenders Are Stepping Up
The Yi Team is part of the wave of mortgage teams across the country taking action to serve Spanish-speaking borrowers with more respect and understanding:
- Hiring bilingual staff and real estate partners like Jose Barreto
- Offering translated documents and loan applications
- Providing Spanish-speaking customer support
- Training loan officers to understand the cultural differences that matter in the homebuying process
Best Practices for a Smooth, Supportive Buying Experience
Whether you’re buying your first home or helping others, here’s how you can make the journey easier:
- Ask for bilingual support from your loan officer and realtor
- Take a homebuyer class (available in Spanish!)
- Use plain-language resources to understand loan programs
- Lean on trusted professionals like John and Jose who know how to guide you
You Don’t Have to Do This Alone
Homeownership is possible—and you deserve a team that sees you, speaks your language, and simplifies every step.
With John Walowac and Jose Barreto on your side, you’ll never feel lost in translation. They’ll help you understand your options, qualify for the best programs, and confidently move forward with your home purchase.
Download the Home Loan Programs Guide & Contact Us To Get Started!
Contact John Walowac
Senior Mortgage Advisor, NMLS 1414681
The Yi Team – Mortgage On A Mission
📞 571-212-9281
📧 jwalowac@theyiteam.com
🌐 theyiteam.com/applywithjohn
Contact Jose Barreto
Bilingual Realtor & Spanish-Speaking Homebuyer Coach
Spring Hill Real Estate Group
📞703-626-2609
📧 jbarreto.phsi@gmail.com
📸 Instagram: @josebarretohomes
Buying a home is easier when someone speaks your language—and understands your story. Let’s make home happen. Juntos.