Are you looking for a trusted Spanish-speaking loan officer with real estate experience in North Carolina? I'm here to help.
With over four years of hands-on real estate experience, I proudly serve Charlotte, Asheville, Shelby, and Forest City as a bilingual mortgage loan originator who puts people first. My mission is to make homeownership accessible, clear, and stress-free, no matter your background or financial situation.
Whether you're buying your first home or investing in a second, I offer personalized loan solutions that match your goals. From FHA, VA, and USDA loans to flexible credit options, I guide my clients through every step of the mortgage process with transparency, education, and care.
Charlotte, NC
I love working in Charlotte a vibrant, fast-growing city with opportunity around every corner. Whether your clients are buying in NoDa, Steele Creek, or Ballantyne, I'll help them secure the right financing fast.
Asheville, NC
With its stunning Blue Ridge views and thriving culture, Asheville draws buyers from all walks of life. I specialize in helping clients find mortgage options that match their long-term vision in this unique market.
Shelby & Forest City, NC
These tight-knit, welcoming communities are perfect for buyers seeking peace and value. I work closely with buyers in Shelby and Forest City to ensure their mortgage experience is smooth, simple, and affordable.
Fluent in Spanish and English
4+ years in real estate + mortgage lending
Trusted guide for first-time buyers
Personalized mortgage strategies
Available evenings & weekends by appointment
Expert in FHA, VA, USDA & down payment assistance programs
If you're a buyer or a Realtor looking for a bilingual loan officer who delivers fast approvals, honest advice, and local expertise, I'd love to connect.
Buscas una asesora hipotecaria confiable que hable espanol y entienda tus necesidades?
Con mas de cuatro anos de experiencia en bienes raices y prestamos hipotecarios, ayudo a compradores en Charlotte, Asheville, Shelby y Forest City a cumplir su sueno de ser propietarios con claridad, respeto y soluciones personalizadas.
Ofrezco orientacion paso a paso en espanol o ingles para ayudarte a conseguir el prestamo correcto, incluso si es tu primera casa o si no tienes credito perfecto.
Charlotte, NC
Una ciudad llena de vida y oportunidades. Te ayudare a encontrar el prestamo ideal para comprar tu hogar en uno de sus barrios diversos.
Asheville, NC
Con sus montanas y su cultura, Asheville es una joya. Trabajo contigo para descubrir opciones que se adapten a tus metas financieras.
Shelby y Forest City, NC
Pequenas comunidades, grandes suenos. Brindo asesoria personalizada para que tu experiencia de compra sea facil, ráapida y sin estres.
Atencion 100% en espanol e ingles
Experiencia real en prestamos y bienes raices
Apoyo completo desde la solicitud hasta el cierre
Opciones FHA, VA, USDA y asistencia para el pago inicial
Siempre dispuesta a responder tus dudas
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A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.
On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.
An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.
Buying your first home? Use this checklist to get organized and feel confident before you apply. Whether you're going FHA, VA, USDA, or Conventional, these are the essentials most lenders will ask for.
Whether you're just getting started or ready to apply, I’m here to walk you through every step.
¿Es tu primera vez comprando casa? Usa esta lista para prepararte y sentirte seguro(a) antes de solicitar tu préstamo. Ya sea un préstamo FHA, VA, USDA o Convencional, estos son los documentos que normalmente necesitarás.
Ya sea que estés empezando o listo(a) para aplicar, te acompaño en cada paso.
Loan Officer
Mathewson Mortgage Capital | NMLS: 2603041
