Discover How to Successfully Buy Your First Home
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We Will Cover:
Bank's Role: We will describe the role of the bank in the mortgage loan process, including pre-approval, loan application, and loan approval.
Loan Options: You will learn the different types of mortgage loans available (fixed-rate, adjustable-rate, FHA, VA, USDA loans, etc.) and their respective advantages and disadvantages.
Benefits of Good Credit: We will highlight the advantages of having a good credit score, such as lower interest rates, better loan terms, and increased bargaining power.
Details on How Credit Works and Its Impact on Loans
Improving Credit: You will be provided with tips on how to improve credit scores, such as paying bills on time, reducing debt, and correcting errors on credit reports.
Credit and Loan Approval: Learn how lenders use credit scores to assess risk and determine loan eligibility.
Tax Credits: Explore the currently available tax credits that can assist first-time homebuyers, such as the Mortgage Credit Certificate (MCC) program.
Pre-Approval: Learn the importance of getting pre-approval for a mortgage and what the process involves.
Home Search: We will discuss how to effectively search for homes, including working with real estate agents and using online resources.
Making an Offer: Learn the process of making an offer on a home, including negotiating terms and contingencies.
Home Inspection and Appraisal: Learn the importance of home inspections and appraisals in ensuring the home’s condition and value.
Closing: We will explain what happens during the closing process, including signing documents, paying closing costs, and transferring ownership.
OUR SPEAKERS
Mary B Garcia
Mortgage Advisor
👉🏼NMLS: 1577250
She moved to the United States in 2015 and obtained her license as a Mortgage Loan Officer for Texas and Florida, receiving NMLS approval to originate mortgage loans in Florida, Texas, and California. With her bilingual fluency and banking experience, she has successfully helped the Latino community with mortgage loans for the past seven years. She is currently the Branch Manager at KALB Advisors Mortgage Solutions in Houston, Texas, leading a team of seven experts in processing, customer service, and facilitating the mortgage loan process.
Additionally, she developed a highly effective process for originating loans for international clients with a highly qualified team in the USA and Latin America.
Jasmine Sigcho
At The Jasmine Sigcho Agency, we understand the complexities that exist in the insurance world when choosing proper coverage for your residential and life planning needs.
Our approach is simple—we make the entire process of purchasing insurance extremely easy and aim to exceed our partners' and clients' expectations.
We shop over 50 top-rated carriers to find the best coverage at the best rates, saving you and your clients time and money. Let’s face it, no one likes shopping for insurance.
Let us do it for you!
Diana Salazar
TaxCo is an accounting and financial company that supports the Hispanic community in the U.S. with tax, fiscal, financial, and administrative matters. SMEs and entrepreneurs in this community do not know the benefits, are unaware of the law and all accounting issues in the United States, especially smaller companies.
For all this community, there is TaxCo, which becomes that trustworthy and knowledgeable company that provides them with the services of: Accounting, payroll processing, tax returns, and administrative support at the state level.
In the short term, TaxCo is working on software for payroll processing and tax settlement, always focused in Texas.
Juan Granados
Juan Granados is the lead realtor at Cecy and Juan Group, bringing over seven years of experience as a realtor and four years as a real estate investor. With a solid background in union negotiations and human resources management for multinational companies, Juan combines his extensive knowledge of the real estate market with a unique skill set in negotiation and people management.
Before transitioning to the real estate industry, Juan honed his expertise in strategic negotiations and workforce management as a union negotiator and HR manager. His tenure in these roles equipped him with a deep understanding of the importance of clear communication, effective negotiation, and fostering positive relationships—all of which are crucial in the real estate sector.
Juan's journey into real estate began over a decade ago, fueled by his passion for property investment and development. His hands-on experience as a real estate investor allows him to provide clients with insightful advice and strategies, ensuring they make informed decisions whether they are buying, selling, or investing.
At Cecy and Juan Group, Juan is known for his dedication to client satisfaction, his comprehensive market knowledge, and his commitment to achieving the best outcomes for his clients. His leadership has been instrumental in the group’s success, fostering a team-oriented environment that prioritizes client needs and innovative solutions.
Juan Granados's diverse professional background, combined with his extensive real estate experience, makes him a standout leader in the industry, committed to excellence and delivering top-tier service to all his clients.
Cecilia Ramirez
Cecilia Ramirez leads the Cecy and Juan Group with over seven years of experience as a realtor and four years as a real estate investor. Her extensive market knowledge and strong negotiation skills set her apart. Previously, Cecilia spent over 20 years as a soccer reporter, honing her communication skills and empathy.
Cecilia is passionate about helping Latin families in Houston achieve the dream of homeownership. She envisions a future where every family experiences the joy and security of owning their own home. Her mission is to guide them through every step of the journey, empowering them to make informed decisions and ensuring a smooth, exciting, and joyful experience.
At Cecy and Juan Group, Cecilia is known for her client-focused approach, market expertise, and innovative problem-solving. Her leadership fosters a supportive environment that prioritizes client needs and celebrates their achievements. Cecilia Ramirez's unique professional journey and real estate experience make her a dedicated leader committed to transforming lives through
