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Welcome To Esmeralda Home Loans

Congratulations to Esmeralda Ruiz ! Named as a Top Lo - Statewide!

" GSFA Circle of Excellence " - Top Loan Officers by GSFA Region
Loan Officers in the GSFA Circle of Excellence have excelled in their respective regions, helping borrowers obtain financing and down payment assistance through the GSFA Platinum Program. Contacting one of these Loan Officers will put you in direct contact with a loan officer that has extensive experience with the program.

Trusted Partner

I want to earn your business for life. You can also count on me to help your family and friends whenever they need a mortgage.

Great Rates

We offer some of the best rates in the industry. As a banker, we work on your loan from start to finish and fund the loan ourselves.


Getting a mortgage requires a lot of communication. Our team will remain in constant contact with you throughout the process.

Close on Time

I know that time is of the essence whenever you’re buying or refinancing a home. I am committed to a quick and efficient closing.

Our Mortgage Loan Process


Pre-capability begins the credit procedure. When a loan specialist has accumulated data about a borrower's pay and obligations, assurance can be made concerning how much the borrower can pay for a house. Since various advance projects can cause various valuations a borrower ought to get pre-qualified for each credit type the borrower may fit the bill for.

House Shopping

The way toward looking for the correct home that addresses your issues, inside the range you are pre¬qualified for.

Mortgage Loan Application

The application is the following stage of the advance procedure. With the help of your advance official, the borrower finished the application and gives all Mentioned Documentation. A credit application isn't viewed as complete until you have furnished your advance official with, in any event, the accompanying data: Your name, Your income, Your social security number, and authorization for a credit check, The address of the home your plan to purchase or refinance, Estimated value of said home, The loan amount you want to borrow.

Loan Processing

When the advance application has been presented, the home loan advance procedure starts. The Processor arranges the Credit Report, Examination, and Title Report. The data on the application, for example, work and employment history, bank stores and installment accounts are then confirmed. Any unfavorable acknowledge, for example, late installments, assortments or potentially decisions require a composed clarification. The Processors analyzes the Evaluation and Title Report for any property gives that may require further examination. The whole home loan bundle is then assembled for accommodation to the Guarantor.


When the processor has assembled a total bundle with all confirmations and documentation, the record is sent to endorsing. The Guarantor is liable for deciding if the bundle is considered a satisfactory advance. If more data is required, the credit is placed into "tension" and the borrower is reached to give more data as well as documentation. If the advance is adequate as presented, the credit is placed into an "endorsed" status.


When the advance is affirmed, the record is moved to the end and subsidizing division for the arrangement of definite credit archives. The end lawyer at that point plans a period for the borrower to sign the credit documentation.

  • 1. Bring a clerk's check for your upfront installment and shutting costs whenever required. Individual checks are regularly not acknowledged and on the off chance that they will be, they will postpone the end until the check clears your bank. An electronic wire may likewise be sent from your bank organization.

  • 2. Audit the last credit archives. Ensure that the financing cost and advance terms are what you settled upon. Additionally, confirm that the names and addresses on the advance archives are precise.

  • 3. Sign the credit reports.

After the archives are marked, the end lawyer restores the records to the moneylender who looks at them and, if everything is all together, orchestrates the financing of the advance. When the advance has subsidized, the end lawyer organizes the home loan note and deed of trust to be recorded at the province recorder's office. When the home loan has been recorded, the end lawyer at that point prints the last settlement costs on the Last Ace Shutting Proclamation. The last payment is then made.

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