Where is your Arizona office?
4140 E. Baseline Rd., Suite 206, Mesa, AZ 85206 — right near the Mesa–Gilbert border. That said, most of the process happens by phone, text and email, so plenty of my clients are across the Valley or elsewhere in Arizona and never need to come by. If you'd like to sit down in person, you're always welcome.
What does it mean that you worked as a processor, underwriter and closer?
Those are the three desks a loan file crosses between your application and your keys. The processor assembles it, the underwriter decides whether it's approvable, and the closer makes sure everything lines up so it funds on the day it's supposed to. I worked all three before I ever became a loan officer. It means I'm not handing your file off to a process I don't understand — I know what each step needs, what tends to go sideways at each one, and how to get ahead of it.
How much do I need for a down payment in Arizona?
It depends on the program more than the city. Conventional can start at 3% down, FHA at 3.5%, and VA requires nothing down if you're eligible. Arizona also has down payment assistance programs worth looking into. The more useful question is usually which combination of down payment, rate and mortgage insurance costs you least over the years you'll own the home — and that's an easy conversation to have.
¿Habla español? / Do you speak Spanish?
Sí. I was born and raised in Chihuahua, Mexico, and handle the whole process in Spanish or English. Loan documents are federally required to be in English, but every conversation and explanation can be in Spanish, and I make sure you understand each number before you sign.
Do you work with first-time buyers?
Constantly, and they're some of my favorite clients to work with. First-time buyers ask the most questions, which is exactly as it should be — you deserve to understand what you're signing. There's genuinely no such thing as a question that's too basic here.
Can you help if I'm buying new construction in Arizona?
Yes. I finance new builds regularly and know the mechanics well — the longer timeline, the re-verification near completion, the appraisal on a home that isn't finished yet. I don't have a preferred-lender arrangement with any East Valley builder, so if a builder offers you an incentive to use theirs, I'm happy to help you work out whether it's actually the better deal.
