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Hello! I am proud California native, and devoted mother of three amazing sons, all raised in the vibrant community of Placer County. I have been firmly planted in the mortgage industry since 2003. I bring over two decades of expertise and passion to my role as a trusted mortgage advisor. I love helping people, and my natural affinity for math made the mortgage industry a perfect fit. Serendipitously, my name means “money” in German—a detail that seemed to foreshadow my future in finance. Right from the start, I distinguished myself as a purchase-focused mortgage advisor, specializing in assisting First-Time Homebuyers and expertly navigating Down Payment Assistance Programs.
We’ll help you find a local loan originator to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
Let’s find you the right mortgage loan
Start The Process
We’ll help you find a local loan originator to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
ESTIMATE YOUR MONTHLY PAYMENT
Estimate your mortgage payment, including the principal and interest, taxes, insurance, HOA, and Private Mortgage Insurance.
Before you start looking for a home to buy, it’s a good idea to meet with your loan originator to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets, and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns, and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
Application & Processing
What happens when a loan goes "live"
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Closing
Signing and Finalizing the deal
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
All applications are subject to credit approval. Program terms and conditions are subject to change without notice. Some products may not be available in all states. By refinancing an existing loan, the total finance charges may be higher over the life of the loan. Other restrictions and limitations may apply. | This is not a commitment to lend - Envoy Mortgage, Ltd. #6666 (www.nmlsconsumeraccess.org) 10496 Katy Freeway, Suite 250, Houston, TX 77043, 877-232-2461 - www.envoymortgage.com. | Doing business in New Hampshire as Envoy Mortgage Limited Partnership. For other authorized trade names and licenses held see: www.envoymortgage.com/licensing-legal-information/. This is to give you notice that Envoy Mortgage, Ltd. has a business relationship with Place, Inc. and its affiliated real estate agent operators. You are NOT required to use Envoy Mortgage as a condition for purchase, sale, or refinance of the subject property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THOSE SERVICES.
