Florida Mortgage Loan Officer · NMLS #2534772
You will never wonder where your loan stands.
Florida mortgages with clear numbers, quick answers, and proactive updates from pre-approval through closing.
Florida mortgages with clear numbers, quick answers, and proactive updates from pre-approval through closing.
Conventional, FHA, VA, and jumbo options for first homes, move up homes, and refinances.
If you are self-employed and your tax returns do not show what you actually earn, traditional underwriting is not your only option. Bank statement, 1099, P&L, asset-based, and other Non-QM programs.
DSCR financing qualifies the property rather than you. No tax returns and no debt to income ratio, including nationwide options where available.
Some buildings do not meet conventional project guidelines. I check the association and the project up front, and I have non-warrantable options when a building does not qualify conventionally.
Specialized financing for eligible medical professionals, including residents and fellows on a signed contract, with income driven student loan payments handled correctly.
I start by understanding what you are looking for, then estimate the full monthly cost. Not just principal and interest, but taxes, insurance, and association dues. You should be able to compare two homes side by side before you fall in love with one of them.
Then I find the loan that fits, whether you are a first time buyer, an investor, self employed, a physician, or someone with a perfectly ordinary W-2 who wants it done without stress. Some of my clients come to me after being told no somewhere else.
And when something gets stressful, call or text me. I do not disappear once the application is in.
Principal, interest, taxes, insurance, and dues in one figure, so you can compare homes side by side.
You do not inherit the seller's tax bill. The assessment resets after your purchase, and I build the corrected figure in from the start. No surprises.
Worth quoting early rather than estimating, since it varies widely by property.
A real advantage once the property is your primary residence, and worth understanding before you budget the first full year.
Dues, reserves, and anything else you are responsible for as part of a community belong in the monthly number from day one. For condos it affects financing too.
★★★★★She helped me close in just 16 days, something I honestly still can't believe, and made the entire experience feel seamless from start to finish. Her communication was exceptional. She kept me updated every step of the way and made what could have been a very stressful process feel completely manageable.
Homebuyer
★★★★★As an investor I have worked with many loan officers in my life and she really is the best. Easy to work with, fast, flexible, understanding, and always has a solution to offer in her pocket. 10/10 recommend.
Real estate investor
★★★★★We couldn't get preapproved at first because of our credit score. While other companies turned us away without offering any real help, Mary Catherine was different. She gave us hope and clear steps to follow. We reached back out months later, got preapproved, and today we close on our home.
First time buyers
★★★★★Our journey started on a Sunday night, when most people are winding down with their families, and Mary and her team were busy securing a pre-approval letter for a home we toured that same day. We closed in a record 19 days, with underwriting completed in just 6 days.
First time buyers
★★★★★When my other loan officer couldn't get the mortgage done due to vacancy issues, she was able to get it done. Close to closing she identified a fee from the title company that was way above average, and I was able to negotiate it down and save money.
Homebuyer
Tell me what you are looking for and what you would like the payment to be. No credit pull yet, no forms.
The full monthly picture on a specific property or price range. Figures move as rates and quotes come in, and I keep you current.
Something your agent can send with an offer, and I am available to the listing side if they have questions.
I work with your agent and the lender. You hear from me before you have to ask.