Whether you're ready to apply now or just exploring your options, I'm here to help you every step of the way. Click 'Apply Now' to get started on your mortgage journey, or contact us to ask any questions you might have. Together, we'll find the best path to your new home.
About Me
Vanessa is an experienced Mortgage Loan Originator and has worked in the real estate and mortgage field since the late 1990's. She is a successful entrepreneur and real estate investor. Although she previously worked in the clinical psychology field and marketing, she now focuses exclusively in the mortgage industry.
In her personal life Vanessa is a busy homeschooling Mom that loves a good day with her horses, cooking, sewing, gardening, and a great glass of scotch. She's funny, easy going, direct, and a solution expert.
She takes pride in her work and goes the extra mile to help her clients achieve their mortgage goals. She has extensive experience working with a wide variety of clients, from first time homebuyers to long term investors. She has owned and operated real estate offices in NYC and CA, and spent years working with developers and new construction. Her experience and professional variety come in handy to assist her clients receive the absolute best service!
Vanessa is awaiting your call, text, email, smoke signal…to assist with your mortgage needs!
Actively Serving: CA, FL, NC, TN, TX
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Branch Manager - NMLS# 893657
5 out of 5 stars
“Vanessa was professional, thorough, and helped answer all of my questions regarding the refinance process. Her honesty and promptness shows not only great integrity as who she is a person, but how well she is trained on her job. I had a wonderful experience thanks to her!”
Navigate the world of homeownership with our prime financing options, designed for those with solid credit backgrounds and stable income. Our prime loans offer competitive rates and terms, making them the perfect choice for buyers looking for traditional financing paths.
FHA loans, backed by the Federal Housing Administration, offer a more accessible route to homeownership, especially favored by first-time buyers. They typically require lower down payments and accept lower credit scores compared to conventional loans. This program is ideal for those seeking an affordable homeownership solution, particularly if they have limited initial funds or a modest credit history.
Conventional loans, often backed by Fannie Mae (FNMA) or Freddie Mac (FHLMC), are a versatile mortgage choice not insured by the government. These loans are well-suited for borrowers with strong credit, offering favorable terms for both primary residences and investment purchases. With requirements like higher credit scores and larger down payments, they provide diverse options including various term lengths, fixed or adjustable rates, and potential savings on private mortgage insurance for those making substantial down payments.
VA loans, guaranteed by the U.S. Department of Veterans Affairs, are exclusively for military service members, veterans, and their families, offering significant benefits like no down payment and no private mortgage insurance. These loans stand out with competitive interest rates and flexible qualification criteria, making homeownership more attainable for those who have served. Ideal for eligible borrowers, VA loans are a pathway to affordable homeownership with advantageous terms.
USDA loans, supported by the United States Department of Agriculture, are designed to promote homeownership in rural and certain suburban areas for low-to-moderate-income individuals. They offer the unique benefit of zero down payment, making them an ideal choice for eligible homebuyers who might struggle with upfront costs. USDA loans also typically feature lower interest rates and mortgage insurance costs compared to conventional loans.
A Down Payment Assistance (DPA) loan is designed to help homebuyers with the upfront costs of purchasing a home, particularly beneficial for those who might struggle with saving for a down payment. These programs can offer free grants or secondary financing options, like a silent, forgivable, or repayable second mortgage, to cover down payment and sometimes closing costs. DPA loans are instrumental in making homeownership more accessible, especially for first-time buyers.
A Down Payment Assistance (DPA) loan tailored for special buyers such as first responders, teachers, police, firemen, charity workers, nurses, doctors, and public workers offers a unique pathway to homeownership. These specialized DPA programs provide forgivable grants to assist these vital community members in purchasing homes, recognizing their contributions to society. The program is designed to make homeownership more attainable and affordable for these dedicated professionals.
Our non-prime financing options cater to those with unique financial situations or those who might not fit into the traditional lending mold. From entrepreneurs to retirees, our non-prime loans provide flexible, innovative solutions for various needs.
A reverse mortgage loan is a financial product designed for homeowners aged 62 and older, allowing them to convert part of their home equity into cash without having to sell their home or pay additional monthly bills. This type of loan is repaid when the homeowner moves out, sells the property, or passes away, making it a strategic option for retirees seeking additional income. It provides a way to utilize home equity for covering living expenses, healthcare costs, or other needs during retirement.
A Verification of Employment (VOE) Only Loan streamlines the mortgage application process by focusing primarily on the borrower's employment status. This program simplifies the documentation required, usually necessitating only a verification of employment from the borrower's employer, rather than extensive income documentation. It's an ideal solution for borrowers who have stable and verifiable employment but may not easily document their income through traditional means.
A Profit and Loss (P&L) Only Loan offers a specialized mortgage solution tailored for self-employed individuals and business owners. This program allows borrowers to qualify for a loan based on their self-prepared or accountant-certified profit and loss statements, bypassing the need for traditional income documentation like tax returns. It's designed to accommodate the unique financial scenarios of entrepreneurs who may have complex income structures that are not reflected in standard documentation.
A Debt Service Coverage Ratio (DSCR) loan is specifically designed for real estate investors, focusing on the income generated by the property, including short-term rentals like Airbnb, rather than the borrower's personal income. This loan assesses the property's ability to cover its mortgage payments, offering an invaluable financing option for investors who may not meet traditional lending criteria. It's particularly beneficial for those with diversified investment portfolios, including multiple or short-term rental properties.
Bank statement or profit and loss statement loans are designed for self-employed borrowers, offering an alternative way to qualify for a mortgage using bank statements instead of traditional income verification. These loans cater to entrepreneurs and freelancers who may have robust cash flow but irregular income patterns that don’t fit conventional loan criteria. They provide flexibility in proving income, making it easier for self-employed individuals to access home financing.
A mobile home loan is a specialized financing option designed to assist buyers in purchasing mobile homes, either located within a park or accompanied by land. These loans can cater to various purchase scenarios, including buying just the mobile home, the home along with the land it occupies, or a complete land-and-home purchase package. They provide a unique opportunity for homeownership at a potentially lower cost compared to traditional homes.
An ITIN (Individual Taxpayer Identification Number) and DACA (Deferred Action for Childhood Arrivals) loan are specialized mortgage options designed for individuals who may not have traditional U.S. citizenship or residency status but do have a valid ITIN or DACA status. These loans provide a means for non-citizens, including undocumented immigrants, to obtain home financing. ITIN and DACA loans are pivotal in enabling a broader range of individuals to achieve homeownership in the United States.
A construction loan is a short-term financing option designed specifically for the construction or major renovation of a home. Unlike traditional mortgages, these loans provide funds in stages based on completed phases of the construction process. Construction loans are ideal for individuals looking to build a custom home or undertake significant renovations on an existing property.
A land purchase loan is a specialized financing solution designed for buying undeveloped land. It caters to those who want to purchase a plot either for future construction or investment purposes. These loans are key for buyers planning to build a custom home or hold land for appreciation or future development.
A commercial loan is a type of financing used to fund major capital expenditures or cover operational costs that a company may not be able to afford upfront. These loans are typically used for purchasing, developing, or renovating commercial properties, or for investing in business growth and expansion. Commercial loans are offered by a variety of lenders, including banks and private lenders, and are tailored to meet the specific needs of businesses.
A hard money loan is a type of short-term lending primarily used in real estate transactions, typically offered by private investors or companies. These loans are based more on the property value involved rather than the borrower's creditworthiness, making them ideal for borrowers who might not qualify for traditional financing. Hard money loans are often used for quick purchases, property flips, or when a quick close is essential.
Have a different question and can't find the answer you're looking for? Reach out to our support team by sending us an email and we'll get back to you as soon as we can.
“Vanessa was the best. She always went the extra mile for us to make sure we did not get taken advantage of by the sellers and she made sure all our T's where crossed and I's where doted so when we went to underwriting it was a breeze. Thank you so much!!”
“Professional, went above and beyond, very accessible and easy to communicate with.”
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