Ella Loveless Mortgage Loan Originator #2397045

Ella Loveless Mortgage Loan Originator #2397045 Hi, I’m Ella — a local mortgage loan originator, mom of two, and a proud member of this community. I believe home financing shouldn’t feel overwhelming.

Local MLO | Mom of 2 | Dot artist & baker | Sports mom
Helping families navigate home loans with clarity, care, and zero stress — right here in our community. 🏡💬 When I’m not guiding buyers and realtors through a stress-free loan process, you’ll find me painting dot art, baking something sweet, or cheering on my kids at their sports games. That’s why I host weekly “Ask Me Anything” events and offer clear, responsive support every step of the way. Whether you're a first-time homebuyer or a seasoned agent, I’m here to help make it simple — and human. Let’s make the mortgage side easier, together.

Yesterday's AMA was fantastic! Thanks to everyone who stopped by! If you missed me, follow my page for the next AMA or m...
06/27/2025

Yesterday's AMA was fantastic! Thanks to everyone who stopped by! If you missed me, follow my page for the next AMA or message me!

Here were the top 3 questions I was asked:

1. Do I need a down payment and mortgage insurance for a VA loan?

Nope! VA loans don't require either one!

2. I've already used my VA mortgage loan. What are my options?

VA mortgage loans can be used again. If you've paid off your original loan, you're eligible to use your benefits again right away. If you are still paying on your loan, you can sell your house to pay off the loan and then reuse it.

3. What is the maximum loan amount I can get with a VA loan?

VA loans have no maximum. Your limit will be what amount you qualify for with your income and debt levels. If your income can handle it, your VA loan has no limit!

I'm here a tad early today, ready for your questions! Please forgive the moisture wicking t shirt, it's HOT today. 😊😂
06/26/2025

I'm here a tad early today, ready for your questions!

Please forgive the moisture wicking t shirt, it's HOT today. 😊😂

Have you or a family member served your country and are thinking about buying a house or refinancing? I can help you fig...
06/24/2025

Have you or a family member served your country and are thinking about buying a house or refinancing? I can help you figure out what benefits you're eligible for and how to use them to the fullest!

Thank you to everyone who came out Thursday for our first AMA! Follow for our next AMA date and topic. You can message m...
06/21/2025

Thank you to everyone who came out Thursday for our first AMA!
Follow for our next AMA date and topic. You can message me with any questions you have as well.

Realtors! Don't miss our upcoming FREE CE class with Amanda Dickson Johnson on July 10th! See our flyers for more info!

Here are the top 3 questions I was asked this past AMA:

1. What is the minimum credit score I should have before I apply for a mortgage loan?

A: 620 is the credit score you should shoot for. If you have this, you qualify for most loan types. Higher scores means lower interest rates, so higher scores are always great!

2. How can I increase my score quick?

A: The fastest way to increase your credit score is to pay off credit cards and debt. This increases your score as well as decreases your debt-to-income ratio and both benefit your loan application.

3. Credit Karma says I have a 640, does that mean I can qualify for mortgage loans?

A: Credit Karma is a good tool for when you are trying to improve your score, but it can't be counted on for an accurate credit score. Credit scores are calculated differently for different types of credit firstly, such as mortgages and car loans. Also, you can't guarantee Credit Karma has a full account of everything that's on your credit report. So while CK may say you have one score, your actual score could be much different. I recommend using CK as a tool to build and monitor your credit, but also get your yearly free credit report as well to both compare and use as a better metric for your actual score before applying for a loan.

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White Bluff, TN
37187

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