Jennifer Pacheco, Mortgage Loan Officer - NMLS #1443522

04/29/2026

Need a second opinion? Give me a call!

Already have a quote from a big bank?

Let me give you a second opinion.

"Standard" rates often have extra costs baked in to cover corporate overhead...

Because we operate lean, we’re able to offer sharper rates that keep more money in your pocket every month.

It only takes a few minutes to review your numbers and ensure you’re getting the deal you actually deserve.

Request your rate review today:
☎️ 210-287-6866
📩 [email protected]

09/16/2025

📣 Attention Real Estate Agents!

Do you have clients who’ve been turned down for a traditional mortgage? Don’t let a “no” stop their homebuying journey. I specialize in working with buyers who may not fit the standard mold, and I’d love the opportunity to help get them approved.

Send those turndowns my way—I’ll review their situation and see how we can make it work. Let’s get your clients into a home!

📲 Call/Text me at 210-336-1226

09/11/2025

🚨 Attention Real Estate Agents! 🚨

Got a builder turndown? Send it my way—I’d love the opportunity to take a look, no matter the situation. Let’s see if we can make it work!

📲 Call or text me at 210-336-1226

06/24/2025

💡 Have clients struggling to get approved for a traditional loan — or worse, getting denied?

If they can show rental history, assets (including gift funds), income, and credit — I have solutions that can help! 💪

Let’s connect and explore my Earned Equity Program! Best if all - it’s only 3.5% Downpayment!! 🏡

05/09/2025

Credit low but you’ve been a great tenant and have a job and money saved up? I can get you approved to buy a home!! FTHB only LFGOOOO!!

210-336-1226

04/24/2025

Another Same Day Approval!! What does this mean? You get paid quicker!! 🤑

If you need a fast close, give me a call! 💫

📲210-336-1226
📧 [email protected]

04/16/2025

🚨 Real Estate Agents! This program is perfect for your clients who are having a hard time qualifying for a traditional mortgage! 🚨

✅ TBD Underwriting Upfront – Homebuyer gets fully underwritten and approved before finding a home.

✅ Closing in 30 Days – Once approved by our HUD-approved government agency, the loan WILL close—no last-minute denials!

✅ Exclusive Earned Equity Protections – Your homebuyer gets protections and rights and flexibility that other programs don’t offer.

💥 How much more reassurance do you need? This is the solution for homebuyers who need a real path to ownership.

📩 DM me for additional information abojt this program!🚀

📲210-336-1226
📧[email protected]

03/27/2025

**ATTENTION REALTORS & HOMEBUYERS – IMPORTANT FHA UPDATE**

Big change just announced from HUD:

**Starting May 25, 2025, non-permanent U.S. residents will NO LONGER be eligible for FHA-insured loans.**

That means if you're working with a client who is not a U.S. citizen or a lawful permanent resident (green card holder), **they must be under contract and have an FHA case number ordered by May 24th**—or they’ll lose eligibility for FHA financing.

As a mortgage broker, this is a major shift that impacts both how we qualify borrowers and how we guide our clients through the process. HUD is emphasizing that lenders must verify **lawful permanent residency**, and just having a Social Security number is not enough.

This move is aimed at aligning with current federal policy that prioritizes FHA access for citizens and green card holders only.

**What you need to do:**

- If you’re a realtor with clients on visas or other temporary statuses, reach out ASAP.
- If you’re a buyer in this situation, time is of the essence — let’s talk NOW and get you on the path to homeownership before this deadline hits.

I'm here to help you navigate the options — FHA or otherwise — to make your homeownership dreams a reality.

Let’s stay proactive!

As always I still have a Plan B and Plan C! Reach out if you need some help or have some questions

210-336-1226

02/22/2025

02/06/2025

Keeping your finances steady is key when you’re in the home-buying process 🏡💸. A sudden move—like switching jobs or opening new credit cards—can derail your mortgage approval. The goal? Smooth sailing to closing day! ✅ Let’s chat to make sure you’re on the right track. 📲 Reach out anytime!

📲210-336-1226
📧[email protected]