With over 13 years in banking, sales, and service, I became a licensed mortgage loan officer to guide families through one of life’s biggest financial decisions — homeownership. I specialize in providing clear, personalized lending solutions for first-time buyers, investors, and refinancers alike. My mission is to simplify the process with honest guidance and a seamless experience from start to finish. As a wife and proud mom of three, I understand the value of a stable home, and I’m here to help you find yours.
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Every client’s financial story is different. I take time to listen, strategize, and tailor a plan that fits you, not a checklist.
5 / 5
"Sonii was ABSOLUTELY AMAZING! speechless. her dedication, knowledge, and patience definitely did justice. she is an amazing and humble person which is definitely needed in all that takes place. she went beyond measures to provide a calm experience. she gave advice, suggestions, and answered EVERY single question, and if she didn't know she definitely went to find out. questions or concerns that's not even in her specific department... definitely worth the experience!! Thank you Sonii!!!"
"Sonii is so helpful, knowledgeable & professional. She helped us navigate the confusing & lengthy mortgage loan process with patience & kindness!! I can’t recommend her enough!"
"I have had the pleasure of working with Sonii as my preferred lender, and I can confidently say she is absolutely amazing. Sonii is always accessible whenever I need her. She is patient, energetic and thorough. My clients are always in great hands with her, as she guides them through the entire loan process with care and professionalism. One of the things I appreciate most is the clear and constant communication. I am never left in doubt about where my client stands in the loan process. If you're looking for a lender who truly goes above and beyond to get you to the closing table, I highly recommend Sonii. "
Start by reviewing your finances to determine how much you can afford. Get pre-approved for a mortgage, then find a reputable real estate agent to help you search for homes that fit your budget and needs.
Typically, you’ll need to save between 3-20% of the home’s purchase price. While a larger down payment can lower your mortgage payments, some loan programs offer options with low or no down payment.
In addition to the down payment, you’ll need to account for closing costs (typically 2-5% of the loan amount), homeowners insurance, property taxes, and potential maintenance expenses.
Investment property loans typically require a higher down payment (20-30%) compared to owner-occupied homes. Explore mortgage options like conventional loans, private lenders, or even leveraging home equity from an existing property.
Home equity is the difference between your home’s market value and what you owe on your mortgage. As you pay off your mortgage or as your home’s value increases, your equity grows.
A Home Equity Loan gives you a lump sum at a fixed interest rate that you pay back over time. A HELOC is a revolving line of credit, allowing you to borrow as needed up to a certain limit, typically with a variable or fixed interest rate.
Pre-qualification gives you an estimate of what you might be able to borrow based on basic financial information. Pre-approval is a more formal process where a lender verifies your finances and gives you a loan offer, which shows sellers you're a serious buyer.
Market conditions vary by location and time, so it's crucial to research trends in the area where you’re planning to invest. Consider factors like property prices, rental demand, and potential return on investment (ROI).
Many first-time investors start with residential properties like single-family homes or duplexes. These tend to be more manageable and can offer steady cash flow. Multi-unit properties and commercial real estate offer higher potential returns but come with more complexity.
You can tap into your home equity for major expenses such as home renovations, debt consolidation, or investing. Common ways to access equity include Home Equity Loans (HEL), Home Equity Lines of Credit (HELOC), or cash-out refinancing.
Using home equity can be beneficial for long-term investments or necessary expenses like home improvements. However, you’re essentially borrowing against your home, so it’s important to assess whether you can comfortably make the payments and if the use of the funds will improve your financial situation.