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YOUR MORTGAGE
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Mayra O. Rubio

Mayra O. Rubio

Senior Mortgage Loan Officer [email protected] nmls#226576 apply now

our core values

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I have been in the mortgage industry since 2003.  Throughout my career, I have experienced the many shades that the market has to offer.  The most volatile markets have been a blessing to my business because they have made me a valuable loan officer.  I have gained knowledge that cannot be obtained in any classroom.  My innovative passion for continuous learning has helped me help others obtain their dreams of homeownership and real estate investing. My clients become part of my family.  I strive to not only give my clients the best deal that suits their needs, but to give them the knowledge and tools that they need in order to be successful homeowners.  I help them plan ahead for the future. My biggest strength is that I never over promise and under deliver.  I don't set up unattainable expectations for my clients and always keep them in the loop.  Whether you are buying your first home or 100th property, the loan process can be an intense roller coaster of emotions .  I am there for my clients every step of the way as a constant support.  I have many clients that are skeptics and don't believe that they can be homeowners.  I am here to prove otherwise.

Here's how we do things

Apply Online
Get
Pre-Approved
Begin Home
Search
Loan Submitted
to Processing
Clear to Close!
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Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.

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Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.

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Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.

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This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.

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After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.

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