I'm Vanessa. Your Mortgage Advisor

Vanessa Schwartz
Mortgage Advisor
NMLS: 234389

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

There are a lot of loan options – let’s find the right one for you.

Whether you're looking to buy, refinance, or grow your real estate portfolio, we've got you covered with the right loan products to fit your needs.

Conventional Loans
FHA Loans
Jumbo Loans
USDA Home Loans
VA Loans (Veterans Affairs)
Additional Loan Programs

Where Can We Help You Thrive?

Are you looking to buy your first home? Need help managing your mortgage payment? Trying to figure out how to afford that renovation? Whatever your situation, we've got the answers.

What my clients say...

5 reviews
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Makena O.
Working with Vanessa was amazing! Me and boyfriend are first time homebuyers and she made the entire process so much easier. We are grateful for her and her time. She is thorough, kind, comforting, driven, and determined. She is detail oriented. She lead us through the entire process. Educating and encouraging us. We are so thankful for her! Thank you!
Oct 13, 2023
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Shellee H.
Five star experience! From the moment we contacted Vanessa to close of escrow she was Amazing. Always available to answer questions and reassured us along the way. She did everything she could to get us the lowest interest rate and kept her word. This is the second time we utilized her services and I would recommend her 100%. Buying a home can be stressful but having Vanessa our team made a huge difference. We are grateful!
May 31, 2023
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Michele K.
I cannot say enough to capture how amazing, easy & seamless my experience was getting a loan with Vanessa. She is an expert in the field and absolutely on top of it! I got my very first loan to purchase my first home with Vanessa and she made it such an easy, positive experience. Not to mention, she got me an amazing rate! Highly highly recommend. Thank you Vanessa for your kindness and expertise :)
Apr 25, 2023
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Nicole S.
Vanessa was knowledgeable, prompt to respond to all our questions. Always accessible to reach, even throughout the weekends and late evenings. My family and I have worked with other lenders before for previous transactions but none as smooth and efficient as Vanessa! We highly recommend her to friends and family. Thank you Vanessa❤️
Jul 11, 2023
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Leslie P.
I’ve done 3 loans with Vanessa, recently referring her to my son for his first home as well. She guides you through the process, always answering questions, always available. She’s incredibly knowledgeable, staying on top of the market to lock in that lower rate at just the right moment, which for my son was huge. Another benefit is she works with multiple lenders so the options are just better than going to a bank or two and reapplying each time. She's a total professional. I'm busy so that's what I need and why I'll use her again.
Apr 26, 2023

The answers to all your mortgage questions...

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.

Ready To Start Your Homeownership Journey?

Starting your road to homeownership is literally a click away. Start today!

Vanessa Schwartz
Mortgage Advisor
NMLS: 234389