Natalia's Mortgage Whisperer Team

06/08/2026

We love getting good news on a Monday 🎉!!

1 day approval on a new purchase for our borrowers!

05/19/2026

Know the cost behind waiting!

05/11/2026

Monday Mortgage Update!

04/01/2026

Well we’ve got to have fun amidst all the solution finding and goal achieving we do with our clients!!

Truly though, any loan officer, any team, is only as strong as their “weakest link” and I’m proud to report that when it comes to the mortgage whisperer team, there are only strong, supportive and incredibly wise teammates here!

Although this only depicts Marissa & Natalia- RJ, Kenzie and Ridge are just as driven to excellence and finding the method to get you HOME.

♥️🏡
The Mortgage Whisperer Team

03/30/2026

03/26/2026

A lot of people believe bankruptcy means they can’t buy a home for 7–10 years.

That’s one of the biggest myths we hear.

The reality is that mortgage eligibility depends on the type of bankruptcy and how much time has passed.

Here’s a simplified breakdown:
Chapter 7 Bankruptcy
• FHA & VA loans may be possible 2 years after discharge
• Conventional loans typically require 4 years after discharge
Chapter 13 Bankruptcy
• Some buyers may qualify while still in the repayment plan after 12 months of on-time payments (with court approval)
• Conventional loans generally require 2 years after discharge

There are also situations called extenuating circumstances.

This means the bankruptcy was caused by something outside your control like:
• serious illness
• loss of employment
• major life events

When those circumstances can be documented, some loan programs may shorten the waiting period.

The bigger point is this:
Bankruptcy doesn’t always close the door on homeownership.

Sometimes it simply resets the timeline.
With the right guidance, strategy, and credit rebuilding, many people are able to buy again sooner than they expected.

If you’re not sure where you fall in the timeline, that’s exactly the type of situation we help people navigate. Bankruptcy changes the conversation, but it doesn’t always end it.

03/23/2026

A home can be shelter, stability, and a long-term financial asset all at once.

Many homeowners build equity over time through:
✔ Principal paydown
✔ Market appreciation
✔ Long-term ownership

That equity can eventually become a powerful financial tool depending on your goals.

Homeownership isn’t just about the monthly payment — it’s about the long-term strategy.

If you’re curious how homeownership could fit into your financial picture, we’re always happy to talk.