Buying, Selling, Renting or Mortgage Loans. We've Got you Covered.

We Make It Happen.

About Me

We Make it Happen

Welcome to my world of real estate excellence! I am Yessenia Cordero, a passionate and experienced professional, committed to empowering you in the dynamic Charlotte metro area. With over a decade of expertise in real estate and property management, I have honed my skills to guide you confidently towards your financial goals. Whether you're a first-time buyer, seasoned investor, or seeking your dream rental property, I am your trusted partner in this exhilarating journey. As a bilingual Spanish and English realtor, notary, and property manager, I take pride in providing personalized solutions tailored to your unique needs.

Innovation Through Collaboration

Welcome to the Mortgage Loans Division, where your homeownership dreams take shape and become reality. Led by our firm, a trusted name in the real estate and financing landscape, our team is dedicated to providing you with tailored mortgage solutions that align with your unique goals.

Why Choose Our Mortgage Services?

At our firm, we understand that securing a mortgage is a pivotal step in your real estate journey. Our expertise extends beyond the conventional, as we guide you through an array of mortgage options, catering to first-time buyers, seasoned homeowners, and investors alike. With access to an extensive network of lenders, we ensure competitive rates and flexible terms, ultimately empowering you to make the most informed decision.

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The Yessenia Cordero Advantage

As a mortgage loan origination expert, I assist clients in securing the best mortgage options to finance their dream homes or investment properties. I offer personalized guidance, analyzing their financial situation to recommend suitable loan products with favorable terms. Throughout the application process, I keep clients informed and handle all necessary paperwork, ensuring a smooth and efficient experience. We offer all products. 

Ready to Get Started?

Embark on your mortgage journey with confidence, backed by Yessenia Cordero’s expertise and dedication. Reach out today to schedule a consultation and take the first step towards securing a mortgage that aligns with your aspirations. Your dream home is within reach, and we’re here to make it happen together.

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What Our Clients Say
Mortgage Lending FAQs
What mortgage options do you offer?
We offer a variety of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages, and government-backed loans.
What are the eligibility requirements for a mortgage loan?

Eligibility criteria typically include credit score, income, employment history, and debt-to-income ratio. Requirements may vary based on the loan type

What documents are needed to apply for a mortgage?

Commonly required documents include tax returns, pay stubs, bank statements, and identification.

Can I get pre-approved for a mortgage?

Yes, we offer pre-approval services to help you understand how much you can borrow and enhance your bargaining power in the real estate market.

What factors can lead to mortgage application rejection?

Factors like poor credit history, insufficient income, high debt levels, and discrepancies in the application can lead to rejection.

What are the different loan programs and the requirements?
General Requirements for Both States:
 
Valid government-issued ID
Stable employment with a history of at least 2 years
Good credit score (usually a minimum of 620)
Debt-to-income ratio within acceptable limits (typically 43% or lower)
Sufficient funds for down payment and closing costs
NC/SC FHA Loan Requirements:
 
Down payment of at least 3.5% of the purchase price
Maximum debt-to-income ratio of 43%
Loan limits based on the county where the property is located
NC/SC VA Loan Requirements:
 
Available to eligible veterans, active-duty service members, and some surviving spouses
No down payment required for most borrowers
No mortgage insurance premium (MIP) required
NC/SC USDA Loan Requirements:
 
Available for properties in eligible rural areas
Down payment of 0% required
Income limits based on the county and household size
NC/SC DSCR Loan Requirements:
 
Debt-Service Coverage Ratio (DSCR) loans are commonly used for investment properties
Lenders may require a DSCR of 1.2 or higher, which means the property’s net operating income should be at least 20% more than the mortgage payment
 
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