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Miriam Serna, Mortgage Loan Officer

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United States
Chicago, IL
Miriam Serna, Mortgage Loan Officer

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Chicago based loan officer here to make home financing feel simple and stress-free.

I’m here to help you understand your options and move forward with clarity and confidence.

10/17/2026

🏡 House hunting this weekend? Come see me at this weekend’s open houses!

Tour some beautiful homes, explore your options, and let’s chat about what it could take to make your homeownership goals a reality. From financing options to finding a comfortable monthly payment, I’m here to help you buy with confidence! 🔑✨

See you there!

10/15/2026

Cleared to close in record time, just in time for my client to celebrate a major life milestone! 🍾🥂

A great team makes dreams happen!!

10/14/2026

🚨Big changes are coming to home appraisals on November 2nd! Here’s what buyers and sellers should know. 🚨

Fannie Mae and Freddie Mac are introducing a new appraisal reporting standard for conventional loans, designed to provide more detailed information about a property’s condition, renovations, additions, and overall features.

So, what does this mean for you?

🔑 Selling a home? Make sure the appraiser can access the property and have any renovation or permit records handy.

🔑 Buying a home? Don’t panic! This doesn’t mean appraisals are suddenly getting harder or that older homes will automatically appraise for less.

The goal? More accurate information, clearer reporting, and greater consistency in the appraisal process.

Follow me for mortgage and real estate updates that actually matter when you’re buying or selling a home!

10/13/2026

Nature walks in the middle of the city ✨

10/13/2026

A little bit of nature in the middle of the city.

10/08/2026

Higher mortgage rates have you putting your home search on hold?

Your interest rate matters, but so does finding a monthly payment that actually fits your budget and lifestyle.

Depending on the market, you may have more room to negotiate on price, closing costs, or even a rate buydown.

Before you rule out buying, let’s look at your numbers and explore your options.

📩 Buying in Chicago or the suburbs? DM me “PAYMENT” and let’s see what makes sense for you!

FirstTimeHomeBuyer

10/08/2026

If the headlines about higher mortgage rates have you putting your home search on hold, I get it. Nobody wants a payment that leaves them stretched every month.

Your rate matters, but so does how the full monthly payment fits your budget and the way you live.

Depending on the home and neighborhood, you may have room to negotiate on price, keep your inspection protections, and ask the seller to help with closing costs or a temporary rate buydown.

Buying in Chicago or the suburbs? DM me “PAYMENT,” and I’ll help you work through your estimated monthly costs, including taxes and insurance.

05/06/2026

Standard pre-approval = standard results.

In this Chicago market, sellers aren’t just looking for buyers who might qualify. They want certainty. They want clean. They want fast. That’s where upfront credit approval changes the game.

We pull your credit, collect your docs, and run your full file through underwriting BEFORE you tour a single home. What you get isn’t a “you should be good.” It’s an actual loan commitment with only the property left to clear.

What that means for you:
🏡 Stronger offers that compete with cash
⚡ Faster closings (think 2 to 3 weeks)
💪 Real negotiation power
🎯 No more losing homes to better-prepared buyers

Realtors, this is how your buyers win.
Buyers, this is how you stop watching your dream home go to someone else.

DM me to get started!

04/27/2026

When traditional lenders say no, as a Mortgage Broker, I find a way to say yes.

Not every borrower fits the conventional mold, and that’s exactly where I come in. I specialize in Non-QM and Creative Financing solutions built to close the deals other lenders walk away from.

Here’s what’s possible:

✅ Bank Statement Loans - qualify using 12-24 months of deposits, no tax returns required

✅ DSCR Loans - investors qualify based on rental income, not personal income

✅ Asset Depletion - convert your portfolio into qualifying income, no W-2 needed

✅ P&L Only Loans - a CPA-prepared statement is all it takes

✅ Bridge Financing - buy before you sell and close in as little as 14 days

✅ No Income Loans - strong equity and reserves can be enough to qualify

Real deals. Real solutions. Real closings.

If you’re a realtor sitting on a tough deal, a self-employed borrower who’s been turned down, an investor growing your portfolio, or just exhausted from hearing “no” there are options worth exploring.

Message me to talk through what’s possible!

Address

Chicago, IL

Telephone

(312)9986011

Website

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