Ana moved to Charlotte over 4 years ago from South Florida to work in Property Management with very large single family portfolio. She has been a licensed real estate agent in FL since 2002 and obtained her NC Broker’s license in 2015. She had the opportunity to work in the residential, commercial, luxury, condo conversion and new home construction market.
Ana is bilingual and bicultural in English/Spanish and she feels that her language and travel experiences only strengthen her desire and ability to work with diverse and multicultural clients.
She feels fortunate that most of her real estate experience has been with a mixed client base. Her goal is to assist the growing Hispanic market and help them become homeowners. She enjoys the challenge of working with first time homebuyers and finds it very satisfying to give those first set of home keys.
Ana grew up in the southwest New Mexico and Arizona, lived in Puerto Rico and in the greater Fort Lauderdale area. She attended University of Arizona and studied Business Administration and Romance Languages. She also traveled with Up With People for about 5 years. She has a soft spot for animals and has been a foster home for dogs and cats. She believes in giving back to the community and volunteered in soup kitchens, community outreach and school fundraisers. She has three grown children living in FL, Washington DC and NC.
The mortgage market is ever changing, several years ago many changes went into effect that affected many people in qualifying for a loan. Most of the changes that were implemented were needed, some made it so good quality clients could not purchase homes. In the recent months there have been some changes that were good common sense decisions.
Fannie Mae and Freddie Mac will now allow debt to income up to 50% VS prior 45%
Appraisal valuations can hit on purchase loans so no appraisal needed in some cases
Possibility of 1 year tax returns for self-employed borrowers
A customer might not have to provide any income verification if there company reports to “The work number”
Student loans can now use a payment of “Zero” if they are on an income based payment plan
Jumbo loans up to 90% LTV
In the coming months the agencies will also be enhancing there “Day One Certainty” which will allow more clients to qualify and have a much more streamlined process to get a mortgage!
Sales History & Footprint
Our team has deep knowledge and experience from Lake Norman, NC to Rock Hill, SC and everywhere in between. We have 6 state-of-the-art team offices.
Testimonials Say It Best
Thank You. We are very proud of our hard work, our achievements, and our incredible clients who make it all possible.
Award-Winning Team Roster
We are a family through and through. We love working together to achieve great things for our clients and great things together as a team.
State of the Art Team Offices
To provide the highest level of services, we utilize the newest technology and most state-of-the-art offices to support our team.