Your Personal Loan Officer
A Better Mortgage,
Guided By Sylvia.
With more than 20 years of experience, I am dedicated to finding creative strategies that help you achieve your real estate finance goals. Integrity and personal service guide every loan I close.
Home Loan Mortgages. Low Rates. Zero Hassle.
- Owner-occupied, vacation homes, and rental property purchases
- Conventional loans (30, 15, and 10 year customized term options)
- Government loans including FHA, VA, and USDA programs
Today's Mortgage Rates for July 13, 2026
Conventional 30 Yr.
6.000 %
APR 6.106
Conventional 15 Yr.
5.375 %
APR 5.524
FHA 30 Yr.
5.490 %
APR 5.590
VA 30 Yr. Fixed
5.625 %
APR 5.729
Rates as of July 13, 2026
See Rate AssumptionsExperience a simplified mortgage process starting with a personalized, transparent rate quote.
Get My Rate Today5.0100% Satisfaction Rate
A Lending Experience Built on Direct Accountability.
No high-pressure gimmicks. Just upfront numbers and constant communication.
1. The No-Surprises Cost Guarantee
We guarantee the lender fees quoted on your initial Loan Estimate will exactly match your final Closing Disclosure. If a lender fee increases due to an error on our part, we cover the difference. Period.
2. The 24-Hour Milestones Commitment
A 24-hour turnaround on your pre-approvals, direct access to a human on our team, and proactive status updates every single Friday to you and your Realtor — so you never wonder where your loan stands.
And no, we don't play the "$500 Rate Guarantee" game — those gimmicks are designed to gamify one of the biggest financial decisions of your life. Read our full take.
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WHAT SYLVIA'S CLIENTS SAY
100% Five-Star Satisfaction Rate
YYvonne · California
She is creative, tireless, and professional. The most important characteristic a financial professional can have is integrity. Sylvia has this in spades. I would be delighted to speak with anyone considering adding Sylvia to their lending process.
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MMarcus D. · California
Sylvia walked us through every option and found a strategy we did not even know existed. She was available whenever we had questions and made our purchase completely stress-free.
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PPriya S. · California
After 20+ years in the business, Sylvia knows exactly what she is doing. Our refinance closed ahead of schedule and the rate beat everything else we were quoted.
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It's simple.
Low rates. Fast closings. A free consultation is waiting for you.
01
Apply online
Complete a quick, secure application in minutes from any device.
02
Get your quote
A live loan officer reviews your goals and sends a no-haggle low rate.
03
Close on time
We keep you updated every step of the way through a smooth closing.
A Local Mortgage Company That Puts You First
Purchasing a home is one of the largest financial decisions you'll ever make. You deserve a lender who knows your market, answers the phone, and treats your loan like it matters — because to us, it does.
Get Started TodayLearn More About Mortgages
Tips and guides to help you make confident home financing decisions.
