Hey there, it's Ivette

I was born and raised in Los Angeles, CA, and also spent lots of time in Guadalajara, Mexico throughout my childhood.

I have been in the Mortgage industry for 19 years now.

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When I was in Highschool, my parents wanted to buy a house, but they kept getting denied, and nobody gave them a reason why. No one would help out or give any guidance about how to get to the approval part. It all seemed so impossible to have our own home one day.

One blessed day, We ran across a Loan Officer who offered us help.

This Loan Officer guided my parents through the whole process, fixed their credit score, got us approved & in our new home! It was the greatest joy for our family.

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What got me started?

FHA

Fixed or Adjustable

Highlights:

Low down payment options.

Flexible income and credit requirements.

Best if you:

Are a first-time homebuyer or have a limited amount of funds for a down payment.

Learn More >

USDA

Fixed

Highlights:
No down payment.

Low credit score requirements.

Flexible credit underwriting requirements.

Best if you:
Purchase a home in USDA designated rural areas.

Learn More >

va

Fixed or Adjustable

Highlights:
Low to no down payment.

Low income and credit requirements.

No mortgage insurance.

Best if you:

Are active-duty military, a veteran or military spouse.

Learn More >

REFINANCE

Fixed or Adjustable

Highlights:
May be able to refinance to a lower interest rate.

Consolidate debt.

Turn your home equity into cash.*

Best if you:

Already own a home and want to restructure your mortgage fit your current financial situation.

Learn More >

Services:

As your Loan Officer, I offer a wide variety of loan options to meet the unique needs of you and your family. I understand selecting the right loan product can be overwhelming; however, I am here to provide tailored advice to help you make the best decision for you and your family...

SERVICES

Fixed-Rate Mortgage

Fixed

Highlights:

Interest Rate and monthly payments remain the same for the entire term of the loan.

Protection against rising interest rates

Best if you:

Plan on staying in your home for an extended period of time.

Learn More >

Adjustable-Rate Mortgage (ARM)

Adjustable

Highlights:
Homeowner could potentially lower their monthly payments with the lowered interest rates.

Initial interest rate is fixed typically for 3-10 years.

Best if you:
Plan on selling or refinancing within a few years..

Learn More >

Conventional

Mortgage

Fixed or Adjustable

Highlights:
Lower interest rates.

Fewer penalties and fees.

Second home purchase options.

Best if you:

Have good credit and a larger down payment to possibly receive lower rates with more flexible terms.

Learn More >

Jumbo Mortgage

Fixed or Adjustable

Highlights:
Purchase a more expensive property.

Variety of terms available.

Best if you:

Purchase a property above the conforming loan limits ($453,100 in most areas).

Learn More >

Renovation

Mortgage

Fixed or Adjustable

Highlights:

Rolls the cost of upgrades and a home purchase or refinance into one loan

Best if you:

Own or want to purchase a home that needs repairs or renovations.

Learn More >

Reverse

Mortgage

Adjustable

Highlights:

Withdraw a portion of your home’s equity

Paying monthly mortgage payment is optional (must continue paying taxes, insurance & maintenance payments)

Purchase a home that better suits your needs

Best if you:

Are 62 or better and want to turn your home equity into tax-free cash without having to make monthly mortgage payments. (must continue to pay taxes and insurance and maintain the home)

Learn More >

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That’s when I knew I wanted to do the same for many families who are going through the same challenges as my parents experienced back in the day. It never gets old! Whenever I see the excitement of families as they finally get to buy their own home, it takes me back to some very nostalgic moments.