Mortgage Broker in Foley, AL

As a mortgage company in Foley, AL, we guide you through every step of your mortgage journey and support your broader financial and business development loan goals. Whether you’re in need of a first time home buyer lender, refinancing your mortgage, expanding your investment portfolio, or growing your business, our comprehensive mortgage services are designed to meet your unique needs.

1. Home Purchase Loans

• Conventional Loans: We offer fixed and adjustable-rate mortgages with flexible options tailored to your financial situation.
• FHA Loans: Ideal for first-time homebuyers, with lower down payment requirements, making homeownership more accessible.
• VA Loans: Zero down payment for veterans and military families, helping you achieve the dream of homeownership.
• Jumbo Loans: Financing options for high-value properties.
• USDA Loans: Competitive rates and favorable terms for rural home purchases.

2. Home Refinancing

• Rate and Term Refinance: Adjust your mortgage rate or term to better suit your financial goals. Home refinancing can help you save money or achieve financial stability faster.
• Cash-Out Refinance: Access equity in your home to fund significant expenses such as home improvements, debt consolidation, and more.
• VA IRRRL: Simplified refinancing for veterans to lower interest rates with minimal paperwork.
• FHA Streamlines: A quick and easy refinance option for current FHA loan holders, featuring reduced documentation and no appraisal.

3. Specialized Loan Programs

• Investment Property Loans: Tailored financing to help you expand your real estate investment portfolio.
• Second Home Financing: Loans designed for purchasing a vacation home or secondary residence.
• Non-QM Loans: Flexible mortgage solutions for those with non-traditional income, including self-employed individuals and real estate investors.

4. First-Time Homebuyer Assistance

• Down Payment Assistance: Programs designed to help cover down payments and closing costs, making homeownership more achievable.
• Guidance and Education: We offer personalized support and educational resources to help first-time homebuyers navigate the home buying process with confidence.

5. Construction Loans

• New Construction Financing: Build your dream home with our comprehensive construction financing solutions.
• Renovation Loans: Improve your home’s value and comfort with easy-to-access home renovation loans.

6. Reverse Mortgages

• For Seniors 62+: A reverse mortgage allows you to access your home’s equity while retaining ownership, providing financial flexibility during retirement.

7. Client-Centered Approach

• Personalized Loan Consultation: Tailored mortgage advice to meet your specific financial needs.
• Pre-Approval Services: Competitive pre-approval letters to strengthen your home purchase offers.
• Ongoing Support: We provide continuous support throughout the mortgage process and beyond, ensuring a smooth and stress-free experience.

8. Business Development Services

• Strategic Growth Consulting: Identify and capitalize on business growth opportunities.
• Portfolio Expansion: Tailored strategies to help you expand your real estate investments.
• Partnership Development: Create and sustain strategic business partnerships for continued growth.
• Market Analysis: In-depth market analysis to understand and position your business effectively.

9. Accessibility

• Licensed in All 50 States: Our expert mortgage services are available across the entire U.S., offering nationwide support for all your financial needs.

10. Educational Resources

• Mortgage Calculators: Use our online tools to estimate mortgage payments, explore different loan scenarios, and make informed financial decisions.
• Blog/Articles: Stay updated with regular insights on market trends, mortgage tips, and business development strategies.

11. Contact Information

• Get Started Today: Ready to take the next step? Whether you’re buying, refinancing, or expanding your investments, we’re here to help. Contact us at kataliya@kataliya.ai or call (251) 269-9759 to start your journey to success.

My journey in finance and mortgages began in 1997, driven by a strong foundation in math and a commitment to improving lives through effective financial solutions. Born in Bangkok, raised in Waialua, and educated across diverse locations like Camp Zama and Sarasota, I've gained a broad perspective that enhances my approach to helping clients.

With over a decade of experience as a Business Development Manager at Ameriprise Financial, where I focused on driving growth and helping clients achieve their goals, I returned to the mortgage industry in 2019. Now, as part of PRMG, Inc., I leverage my my mortgage lender expertise to assist clients nationwide, ensuring that every transaction is handled with precision and care.

Having lived in key markets like Colorado, Washington DC, and San Diego, I understand the diverse needs of clients from various backgrounds. My approach is guided by the principle, "No homeowner gets left behind," ensuring that every client receives the attention and support they need to succeed. As an ambassador for the Chamber of Commerce in South Baldwin County, I stay connected to the community and committed to making a positive impact.

Outside of being a mortgage broker in Foley, AL, I enjoy cooking and continually seek to learn, particularly through reading books on leadership and human behavior. In 2023, I underwent a heart transplant at Mayo Clinic Jacksonville, an experience that strengthened my resolve and commitment to delivering exceptional service to my clients.

I bring resilience, dedication, and a wealth of experience to every client relationship, ensuring that your mortgage process is smooth, informed, and aligned with your goals.