MORTGAGE SERVICES & LOAN PROGRAMS
WE'LL FIND YOUR PERFECT MORTGAGE
We work with our clients to create a comprehensive plan to reach their long-term real estate goals through:
Residential, Investment, and Commercial Purchase Strategies - Refinancing, HELOC's and Home Equity Loans - Rate and Market Trend Reports - Informational Webinars on the Real Estate Buying and Selling process
CONVENTIONAL - FHA - VA
Our most popular loans. Conforming Loan Limits increased in 2023!
ADDITIONAL OPTIONS TO COMPLIMENT BOTH CONVENTIONAL
& FHA LOANS:
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Down Payment Assistance (DPA) Programs
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10/1 ARM 30 YR
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2-1 Buydown on 30YR FRM
JUMBO LOANS
When a higher loan amount above conforming limits is needed.
ALT-DOC (NON-QM)
Loans that specialize with alternative income documentation for our entrepreneurs and business owners.
HARD MONEY LOANS
Limited documentation, private investor backing when a quick close is needed.
HOME EQUITY CONVERSION MORTGAGE (HECM)
Available to clients 62+ years old. Options for homeowners in their retirement years.
HECM Refinance - tap into the significant equity in your home and eliminate mortgage payments.
HECM Purchase - purchase a home with enough of a down payment to create significant equity in the home to eliminate the monthly mortgage payment.
OUR LATEST MORTGAGE PRODUCTS
The SimplyMea Story...
I remember when I bought my first home at 28 yrs old. I remember the excitement and the fear, the questions and the answers I wish I would have had received to make the best decisions. I remember selling that home that I actually should have kept because of the equity it had gained since I had purchased it. My family was growing so we needed another bedroom. Without any additional strategy or guidance from my agents, my home was listed. It was in escrow within a day after the listing went live. My agents didn't even have to show it. I then bought my second home. I loved that home. My family grew in that home and I created a safe space for my 2 sons to thrive and grow. Due to some unexpected family expenses (yes, we all have those), we did a cash out refi. I remember how uncomfortable I was during the process...my gut was screaming at me but I took a back seat and did not pay attention to the details so there would be peace in my home. About a year after the cash-out refi, the dynamics in my home changed and went from a 2-parent, 2-income household to a 1-parent, 1-income home. I became a single mom with a single income to support a household that had been operating with 2 income bills. I wanted a stable environment for my sons since there was already so much change happening in their world so I tried to save that home. It was then when I realized I was in a horrible loan...one that is not even legal today. I got really bad advice, I went down a lot of dead end roads, I wanted to save that home...I didn't. In the end, I lost that home. I remember the fear, I remember the uncertainty of what was next. I thankfully had a great career with upward mobility in Corporate America and a small village of friends that were like family. I recognized my blessings and kept pushing forward. I remember people telling me I wouldn't be able to buy again for 7-10 years. I had a BK, a foreclosure...I was a single mom...could I actually buy again? The answer was yes. Within 3 years of losing my home, I closed escrow on a new home! I read everything, I asked a ton of questions, I did my due diligence. I felt empowered. I remember how it felt and how this experience was so different from my previous ones. It was in this period when I discovered so much about myself and who I am. I am simply Mea...a woman of faith who has stayed grounded in that faith through my storms. A single mother who is blessed with resilience, tenancity and determination to raise, provide and care for my two sons independently and without complaints because I have my boys. My sons are my purpose. I was an executive in a career that allowed me to mentor others while honing my business development and analytical skills and my goal was to always try to leave a positive footprint on the lives I touched. After a 20+ year career in Corporate America, I decided to take my skills and passion with what life's lessons had taught me and change careers. I decided to join the mortgage industry and give my clients the experience I wanted as a buyer. I want to leave more positive footprints that will transcend generations if I can. SimplyMea is humble, grateful, empowered, kind, caring, honest and leads with grace... I would be honored and welcome the opportunity to work with you as a client or as a colleague.
THE WHY BEHIND WHAT WE DO
Clients are at the center of everything we do. Making sure they feel comfortable and empowered with knowledge throughout the process is the goal.
Communication, transparency and answering questions helps the client to feel part of the process but not overwhelmed by it. It begins with the consultation and ends with the close of escrow.
Integrity matters.
Creating an experience and environment that clients trust and feel confident in is the why.
Whether a first time buyer, or an seasoned investor, you deserve the best experience with peace of mind knowing that we have your back.
REALTORS YOU CAN TRUST
Our network of Trusted Real Estate Professionals are the best in the business!
If you are selling your home, our Realtors will walk you through strategies to get top dollar for your home. Whether it involves light repairs, cosmetic touch ups or staging, our network of professionals will deliver the results their buyers are looking for!
If you are looking to buy, our Real Estate Professionals have strong knowledge of market trends and loan options to negotiate the best deal for you. They come to the table with all the materials to get your offer accepted.
We work with a network that specialize in everything from luxury real estate to new home buyers to commercial or land purchases.
PROPERTY APPRAISAL
FREE OF CHARGE
Receive a free appraisal when book a loan consultation & you work with one of our trusted real estate professionals, let us handle the financing & close your loan.
LARGE COVERAGE WITH A MULTI-STATE NETWORK
Let us know what state you are looking to purchase in and we will find a trusted professional to help you find that perfect home or investment property.
WHAT OUR CLIENTS THINK
"In a sea of Real Estate Professionals, we were lucky enough to find Maria when we were ready to refinance. Not only was it a smooth transaction and a fast funding, she got us an excellent rate! If you are looking for a hands-on, effective and knowledgeable Real Estate Professional, look no further. Thank you Maria!"
Danita & Derrick
"We would recommend Mea & Al to everyone who has ever been nervous about the home buying and selling process. They listed our home and found our dream replacement home while answering all of our questions along the way. We trust them implicitly and so should you!"
Sandy & Donald
"I was referred to Mea who helped me with the refinance of my home. I understand why she was so highly recommended. Her knowledge on lending made me feel comfortable during a very stressful time. She was able to save me and my growing family money on our monthly mortgage and answered all of our questions throughout the process."
Lauren
CONTACT US
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