Hello my name is Mirna Rios and my business is based on building relationships & educating my clients on the mortgage process and wide range of loan programs. From the first-time home buyer to the seasoned homeowner, everyone's situation is unique and together I will work closely to meet your needs.
My mission is to get you the right loan and nothing will change that. Conventional loans, Government lending * FHA * VA, Investment property lending & Non-conventional "Jumbo" lending are all topics I excel at. When I'm not at the office, I'm watching my son own the soccer field! Soccer Moms need to stick together because we know how important the sport is to our child.
My mission is to get you the right loan and nothing will change that. Conventional loans, Government lending * FHA * VA, Investment property lending & Non-conventional "Jumbo" lending are all topics I excel at. When I'm not at the office, I'm watching my son own the soccer field! Soccer Moms need to stick together because we know how important the sport is to our child.
Services
You will be able to know how much you qualify for, or if you do not automatically pre qualify, you will be given advice on what you can do to get qualified for the amount you are looking to borrow (increase your credit score, apply for special loan programs, etc.). The first step in the mortgage process is pre qualifying, which will determine how much a lender will lend you.
Since some mortgage options are less conservative than others, it's important to determine if you are a risk-taker or if you prefer more stability in your financial dealings. Do you invest in the stock market? Or put your money into Certificates of Deposit? These are two different ways of handling money.
The type of property you are trying to get a loan for has a significant impact on the terms and availability of that loan. If you are a first time home buyer you may be able to get a better deal on a home mortgage than the average home buyer. The federal government offers a variety of programs and grants to first time home buyers.
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