The Right Loan for Your Next Chapter
Competitive loan products, personalized lending strategy, and a seamless process from application to closing.
Purchase & Refinance Solutions
Purchase Loans
Ready to buy a home? I help you find the right loan product for your situation — whether you're a first-time buyer or seasoned homeowner — and guide you through the entire mortgage process.
- Conventional loans
- FHA loans (low down payment)
- VA loans for veterans
- USDA rural home loans
- Jumbo loans
Refinancing
Lower your monthly payment, shorten your loan term, or tap into your home's equity. I analyze your current loan and find refinancing options that make financial sense for you.
- Rate & term refinance
- Cash-out refinance
- FHA & VA streamline refinance
- Debt consolidation
- Lower monthly payments
A Loan for Every Situation
Conventional
Flexible terms, competitive rates for qualified buyers with strong credit.
FHA
Low down payment options starting at 3.5% — ideal for first-time buyers.
VA
Zero down payment loans exclusively for veterans and active military.
USDA
No down payment loans for eligible rural and suburban properties.
Jumbo
Financing for high-value properties that exceed conventional loan limits.
Cash-Out Refi
Access your home's equity for renovations, debt payoff, or investments.
Simple. Transparent. Stress-Free.
Free Consultation
We review your goals, finances, and timeline to find the best loan strategy.
Pre-Approval
Get a pre-approval letter so you can shop with confidence and make strong offers.
Loan Processing
I handle the paperwork and coordinate with underwriting to keep things moving.
Clear to Close
Final approval secured — we schedule your closing and get you the keys.
Desiree Plager is a licensed Loan Officer. NMLS #202037. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states. Rates and terms are subject to change without notice. This is not a commitment to lend.
Let's Find Your Perfect Loan
Ready to get pre-approved or explore your refinancing options? Reach out today for a free, no-obligation consultation.
NMLS #202037 · Serving San Bernardino County and Surroundings