What We Do For You

Two years of work history. Your current income. Your enganche — down payment, starting at 3.5%. Your credit score — minimum 580 for FHA, 620 for conventional. SSN or ITIN. And your legal status — citizen, resident, work permit, or ITIN. If you have ITIN, you still qualify. Doris helps many families this way.

Pull a report. Know your puntaje de crédito. FHA loans start at 580. Conventional loans start at 620. If you're below that, it's not a roadblock — it's just the first step. Sierra runs credit repair under the same roof, so you don't have to bounce between offices to get mortgage-ready.

The lender reviews your income, credit, and enganche, then gives you a carta de pre-aprobación — a pre-approval letter. That number is what you shop with. Without it, serious sellers won't take your offer. With it, you know exactly what you can afford and we can start touring homes.

When you find the home, your offer comes with fianza — earnest money, usually 1–3% of the price. It is NOT a fee. It counts toward your down payment at closing. If the deal falls through for a reason in the contract, you get it back. We write the offer with you and negotiate the terms.

Between accepted offer and keys is 30–45 days of inspection, appraisal, and lender finalization. Things can shift — appraisals come in low, inspections find issues. We renegotiate on your behalf when they do. Most issues are fixable. Almost none are deal-killers if you have a team that knows the playbook.

Bring valid ID and a cheque de caja — cashier's check — for closing costs. Sign about 40 pages. Get the keys. You're a homeowner. We're with you the whole 90 minutes, and after — questions about your first mortgage payment, property tax, seguro de casa (home insurance), all of it. We don't disappear after closing.