Your mortgage,
step by step
I’ll guide you through every step of financing your new home or refinancing the one you already own, with options tailored to your goals.
How can I
help you?
Whether you’re buying, investing or refinancing, together we’ll find the loan that makes sense for you.
Buy a home
Whether it’s your first home, a bigger home, a second home or an investment property, I’ll guide you from prequalification to closing.
Refinance
Lower your monthly payment, secure a better rate, consolidate debt or tap into your home’s equity.
First Time Home Buyers
I’ll walk you through the process and help you find down payment assistance programs if you need them.
Business owners
Loan options that use your bank statements to verify income. No tax returns needed to qualify.
Investors
Financing for second homes, rental properties and exit strategies for hard money loans.
I’ll be by your side at every step of the financing process, until the keys to your new home are in your hands
Learning the process
Whether it’s your first purchase or it’s been a while, I’ll explain how a mortgage works and what to expect.
Exploring your options
Together, we’ll review loan programs, your down payment and a monthly payment you’re comfortable with.
Choosing your home and financing
We’ll prepare your preapproval letter so you can shop with confidence and a clear budget.
Ready to buy
Once you’ve found your home, I’ll coordinate with your real estate agent and keep you updated through closing day.
Four steps,
zero surprises.
You’ll always know where your loan stands and what comes next.
Discuss your goals
We’ll talk about your plans and find the programs that fit you best.
Simple application
Complete a quick online application to get your preapproval letter.
Approval
We verify your documents and submit your loan to underwriting.
Closing day!
We sign, we celebrate, and you get the keys to your new home.
Hi, I’m Geraldine.
My journey in the mortgage industry began in 2023, while I was working full time at a tech company in Austin, Texas. At the same time, I began working as an assistant to a Loan Officer, which gave me an inside look at the mortgage process and everything that happens behind each approval and closing.
Six months later, I earned my Texas Mortgage Loan Originator license and decided to take the next step: working with my own clients from the very beginning, helping them not only secure financing but also understand their options and make decisions with confidence.
Questions? You’re not alone.
Don’t see your question here? Send me a message and I’ll get back to you personally.
What’s the difference between prequalification and preapproval?
Prequalification is an estimate based on the information you provide. Preapproval verifies your documents and makes your offer stronger.
What do I need to get prequalified?
Just give me a call.
How long does the process take?
Usually about 30 days, depending on the loan type and how quickly we gather your documents.
What documents do I need?
Recent pay stubs, W-2s or 1099s, tax returns and bank statements. I’ll give you an exact list based on your situation.
What if my credit isn’t perfect?
Every program has different requirements. We’ll review your options together and, if now isn’t the right time, I’ll help you build a plan to improve your credit.
Let’s talk about
your next home.
A quick 15-minute call is all it takes to get started.