Who we are

We are the “in-house” lender for our affiliated companies (Viva Mi Casa Financial and Sierra Nevada Homes)

Who we are

We are the “in-house” lender for our affiliated companies (Viva Mi Casa Financial and Sierra Nevada Homes)

Mission

To provide the most affordable loan product to our clients according to their specific needs and circumstances, by constant innovation and vertical integration that enable us to offer the most affordable loan products in the market.

Mission

To provide the most affordable loan product to our clients according to their specific needs and circumstances, by constant innovation and vertical integration that enable us to offer the most affordable loan products in the market.

Vision

To become a leading provider of affordable loans for low to moderate income families and to help them fulfill the American dream of home ownership.

Vision

To become a leading provider of affordable loans for low to moderate income families and to help them fulfill the American dream of home ownership.

Team

Tina Centeno-Lewis
Compliance Officer
Lucia-Avilés
Loan Originator NMLS # 1158062

Team

Tina Centeno-Lewis
Compliance Officer
Lucia-Avilés
Loan Originator NMLS # 1158062

Why Should I Buy a Home

A home is an investment. When you rent, you write your monthly check and that money is gone forever. But when you own a home, you can deduct costs of your mortgage loan interest from your federal income taxes, and usually from your state taxes. This will save you a lot each year because the interest you pay will make up most of your monthly payment for most of the year of your mortgage. You can also deduct the property taxes you pay as a homeowner. In addition, the value of your home may go up over the years. Finally, you’ll enjoy having something that’s yours-a home where your own personal style will tell the world who you are.

Conventional Mortgage Loans

A Conventional Mortgage Loan is a traditional program for loans that are not guaranteed by the government.

FHA Mortgage Loans

FHA, the Federal Housing Administration, is a governmental agency established during the Great Depression to develop national standards of housing and encourage home ownership.

VA Mortgage Loans

The VA Mortgage Loan was recognized in 1944 through the GI Bill of Rights. The GI Bill was signed into law by President Franklin D. Roosevelt and gave veterans a guaranteed home with no down payment.

Pursuant to the requirements of section 157.007 of the Mortgage Banker Registration and Residential Mortgage Loan Originator Act, Chapter 157, Texas Finance Code, you are hereby notified of the following: Consumers wishing to file a complaint against a company or a residential Mortgage Loan Originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 N Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at http://www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originator. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at http://www.sml.texas.gov.