Clear to Close

Clear to Close Mortgage Loan Officer + Loan Processor
NMLS 2267998 AZ 1033073

Chapter 11 of 12  ๐Ÿ—“
11/01/2022

Chapter 11 of 12 ๐Ÿ—“

Chapter 10 of 12 Bring on the sweater weather ๐Ÿงฅ
10/11/2022

Chapter 10 of 12
Bring on the sweater weather ๐Ÿงฅ

Chapter 9 of 12My birthday month, my besties birth month and my first niece is due ๐Ÿ’“ It's going to be a great one ๐Ÿฅณ
09/02/2022

Chapter 9 of 12
My birthday month, my besties birth month and my first niece is due ๐Ÿ’“ It's going to be a great one ๐Ÿฅณ

Thanks to all who entered our back to school raffle to win a fun family movie night themed basket! And the winner is.......
08/11/2022

Thanks to all who entered our back to school raffle to win a fun family movie night themed basket! And the winner is..... ๐Ÿฅ๐Ÿฅ๐Ÿฅ The Castaneda Family!!!! Enjoy your , popcorn, candy and blanket ๐Ÿ•๐Ÿฌ๐Ÿฟ

Today we are co-sponsoring a fun B2S event in the community where we live ๐Ÿก FREE face painting, FREE water slides, FREE ...
08/05/2022

Today we are co-sponsoring a fun B2S event in the community where we live ๐Ÿก FREE face painting, FREE water slides, FREE bounce houses, FREE backpack pop it keychains, FREE highlighters and bookmarks, food trucks, enter to win family movie night raffle and so much more! So many amazing locally owned small businesses are making it all happen!
Come join us at The Heritage Swim Park green from 4pm to 9pm. Giving back and filling my cup ๐Ÿ™Œ

Chapter 8 of 12  ๐Ÿ—“
08/05/2022

Chapter 8 of 12 ๐Ÿ—“

Chapter 7 of 12 ๐Ÿ—“
07/02/2022

Chapter 7 of 12 ๐Ÿ—“

One (very) frequently asked question that most buyers have when they first start their home search, is ๐˜„๐—ต๐—ฎ๐˜ ๐—น๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฟ ๐˜๐—ต๐—ฒ๐˜† ...
06/06/2022

One (very) frequently asked question that most buyers have when they first start their home search, is ๐˜„๐—ต๐—ฎ๐˜ ๐—น๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฟ ๐˜๐—ต๐—ฒ๐˜† ๐˜€๐—ต๐—ผ๐˜‚๐—น๐—ฑ ๐˜‚๐˜€๐—ฒ.

Do I go to my bank? Do I use the guy my sister used 5 years ago? Do I use an online lender like Quicken Loans? (the answer for that is more than likely a NO).

These are all options that you could choose, but my number one recommendation is ๐˜ข ๐˜ฎ๐˜ฐ๐˜ณ๐˜ต๐˜จ๐˜ข๐˜จ๐˜ฆ ๐˜ฃ๐˜ณ๐˜ฐ๐˜ฌ๐˜ฆ๐˜ณ ๐˜ต๐˜ฉ๐˜ข๐˜ต ๐˜ธ๐˜ฐ๐˜ณ๐˜ฌ๐˜ด ๐˜ธ๐˜ช๐˜ต๐˜ฉ ๐˜ฎ๐˜ข๐˜ฏ๐˜บ ๐˜ญ๐˜ฆ๐˜ฏ๐˜ฅ๐˜ฆ๐˜ณ๐˜ด. A mortgage broker is someone who reviews multiple offers from a network of lenders and advises you on the best loan offer for you and your financial situation.

A lender can very easily make or break a transaction, and a bad lender can very easily make the entire process a nightmare, and even cause the deal to fall apart at the last second (trust me, I've seen it happen). Before you decide on a winner, itโ€™s important to compare interest rates and fees (๐ฅ๐จ๐จ๐ค ๐š๐ญ ๐ญ๐ก๐ž ๐€๐๐‘) offered by at least 2-3 lenders so you can be sure you have the best deal.

It is also important to have a good rapport with whomever you choose, they are going to be the ones handling your money after all. ๐Ÿ’ฐ

Chapter 6 of 12  ๐Ÿ—“
06/02/2022

Chapter 6 of 12 ๐Ÿ—“

May we never forget freedom isn't free ๐Ÿ‡บ๐Ÿ‡ธ
05/31/2022

May we never forget freedom isn't free ๐Ÿ‡บ๐Ÿ‡ธ

When trusting a professional with one of the largest purchases in your life, ๐ข๐ญโ€™๐ฌ ๐Ž๐Š ๐š๐ง๐ ๐ญ๐จ๐ญ๐š๐ฅ๐ฅ๐ฒ ๐ง๐จ๐ซ๐ฆ๐š๐ฅ ๐ญ๐จ ๐š๐ฌ๐ค ๐š ๐ฅ๐จ๐ญ ๐จ๐Ÿ ...
05/27/2022

When trusting a professional with one of the largest purchases in your life, ๐ข๐ญโ€™๐ฌ ๐Ž๐Š ๐š๐ง๐ ๐ญ๐จ๐ญ๐š๐ฅ๐ฅ๐ฒ ๐ง๐จ๐ซ๐ฆ๐š๐ฅ ๐ญ๐จ ๐š๐ฌ๐ค ๐š ๐ฅ๐จ๐ญ ๐จ๐Ÿ ๐ช๐ฎ๐ž๐ฌ๐ญ๐ข๐จ๐ง๐ฌ. You want a lender with a team of professionals behind them, who will make themselves readily available for questions, great service, honest pricing with up-front details โ€ฆ ๐ซ๐ข๐ ๐ก๐ญ?

๐Ÿ’ก ๐™ฐ ๐š๐šŽ๐š  ๐šš๐šž๐šŽ๐šœ๐š๐š’๐š˜๐š—๐šœ ๐š๐š˜ ๐šŒ๐š˜๐š—๐šœ๐š’๐š๐šŽ๐š›:
โ€ข Will you be my main point of contact?
โ€ข Are you available nights and weekends?
โ€ข Do I get a better rate from you than with my bank?
โ€ข How much do I need for a down payment?
โ€ข Can I open a new credit card and transfer balances?
โ€ข How long does my pre-approval last?
โ€ข Can I see your client testimonials?
โ€ข How tech-savvy are you?

Be sure to ask your friends, family, and colleagues for trusted recommendations โ€ฆ and do your own due diligence โ€” ๐šข๐š˜๐šž ๐š˜๐š ๐šŽ ๐š’๐š ๐š๐š˜ ๐šข๐š˜๐šž๐š›๐šœ๐šŽ๐š•๐š.

๐™ผ๐š˜๐š—๐š๐šŠ๐šข ๐™ผ๐š’๐š—๐š๐šœ๐šŽ๐š โœจAll too often, we wait for the perfect time to do things that we really want to do.  Itโ€™s easy to come u...
05/24/2022

๐™ผ๐š˜๐š—๐š๐šŠ๐šข ๐™ผ๐š’๐š—๐š๐šœ๐šŽ๐š โœจ

All too often, we wait for the perfect time to do things that we really want to do. Itโ€™s easy to come up with excuses and justify not getting started, but every single thing you want to achieve can be broken down into steps that you can start doing today.

๐—ฅ๐—ฒ๐—บ๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ฑ๐—ฟ๐—ฒ๐—ฎ๐—บ ๐˜†๐—ผ๐˜‚ ๐˜„๐—ฒ๐—ฟ๐—ฒ ๐˜๐—ผ๐—ผ ๐˜€๐—ฐ๐—ฎ๐—ฟ๐—ฒ๐—ฑ ๐˜๐—ผ ๐—ฐ๐—ต๐—ฎ๐˜€๐—ฒ? Itโ€™s still not too late to give it a try.

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Buckeye, AZ

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