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Start your homeownership journey with ease through First-Time Homebuyer and Down Payment Assistance (DPA) loans. Designed for new buyers, these programs help reduce upfront costs, making homeownership more accessible. With personalized guidance, Marilyn Orozco ensures you find the right solution tailored to your needs, whether it’s low down payments, grants, or flexible terms. Take the first step toward your dream home today.

Conventional loans offer versatile financing for primary residences, second homes, or investment properties. With competitive interest rates and flexible terms, they’re an excellent choice for borrowers with solid credit and stable income. Marilyn Orozco provides expert guidance to help you navigate loan options, whether it’s fixed or adjustable rates. Discover how a conventional loan can make homeownership achievable and affordable for you.

VA loans honor our veterans and active-duty service members with zero-down financing and competitive rates. Exclusively for eligible borrowers, VA loans feature no private mortgage insurance and flexible credit requirements. Marilyn Orozco is dedicated to helping you access this valuable benefit, simplifying the process so you can achieve homeownership with confidence and ease.

A HELOC offers flexible access to your home’s equity, providing funds for home improvements, debt consolidation, or other needs. With a revolving credit line, you can borrow as needed, repaying only what you use. Marilyn Orozco guides you through the HELOC process, ensuring you unlock your home’s potential with confidence.

Jumbo loans provide financing for high-value properties that exceed conventional loan limits. Perfect for luxury homes or high-cost areas, these loans offer competitive terms for qualified buyers. Marilyn Orozco helps you navigate the unique requirements of jumbo financing, ensuring you receive a loan tailored to your goals and lifestyle. Unlock the potential of your dream home with expert assistance.

Refinancing your mortgage can help you lower monthly payments, access equity, or secure better terms. Marilyn Orozco offers expert advice on refinancing options, from rate reductions to cash-out refinances. Whether you’re seeking financial relief or long-term savings, Marilyn ensures the process is seamless, empowering you to achieve your financial goals.

Non-QM loans provide flexible options for borrowers who don’t fit traditional lending criteria. Designed for self-employed individuals, investors, or those with unique income sources, these loans offer alternative ways to qualify. Marilyn Orozco simplifies the process, helping you explore Non-QM solutions that align with your financial goals. Discover how these innovative loans can make homeownership possible for you.

Expand your real estate portfolio with tailored investment property financing. Whether it’s a rental property or a multi-unit project, Marilyn Orozco helps you find competitive loan options to maximize your returns. With flexible terms and expert guidance, you’ll gain the financial leverage needed to achieve your investment goals and grow your wealth.

ITIN loans empower non-citizens to achieve homeownership without a Social Security Number. These loans cater to individuals with stable income and an Individual Taxpayer Identification Number (ITIN). Marilyn Orozco simplifies the process, providing personalized guidance to help you secure a mortgage that meets your needs. Discover how ITIN loans open doors to homeownership opportunities.

FHA loans are designed to make homeownership more accessible with low down payments and flexible credit requirements. Ideal for first-time buyers and those with limited savings, these government-backed loans offer affordable terms. Marilyn Orozco works closely with you to secure an FHA loan tailored to your financial situation, ensuring a smooth path to your dream home.

Self-employed borrowers deserve tailored mortgage solutions that account for unique income structures. Marilyn Orozco specializes in helping self-employed individuals secure home loans with flexible documentation requirements and creative financing options. Whether you need a bank statement loan or another customized program, Marilyn ensures a smooth process, guiding you to a mortgage that fits your financial picture.

Bank statement loans offer a streamlined solution for self-employed borrowers or those with non-traditional income. By using bank deposits to verify income, this option eliminates the need for extensive tax documentation. Marilyn Orozco provides expert support in securing a bank statement loan, ensuring a stress-free experience and financing tailored to your unique financial profile.

Bring your vision to life with renovation and construction loans. Whether updating your current home or building new, these loans provide financing for your projects. Marilyn Orozco helps you secure the right loan, offering personalized support throughout the process. Create the home of your dreams with expert assistance and flexible options.

USDA loans make rural homeownership affordable with zero-down options and competitive rates. Designed for eligible areas and income levels, these government-backed loans open doors to homeownership in underserved communities. Marilyn Orozco ensures a smooth process, helping you take advantage of this unique program and achieve your dream of rural living.

ARMs offer lower initial interest rates that adjust over time, making them ideal for short-term homeowners or those planning future refinancing. Marilyn Orozco helps you explore adjustable-rate options, ensuring you understand how they work and finding the best fit for your financial goals. Enjoy flexibility and savings with expert guidance.