Lending

Get Your Best Rate

Our lending team shops multiple lenders to find the best rate and fights for every dollar in closing cost assistance. Your future starts with a number — let's find yours.

Get Pre-Approved

Bilingual Service — English & Spanish  |  WA & NC

Cindy Sierra, Loan Processor for Sierra Home Group

The Process

From Application to Keys

Every loan is different. Every family is different. Here's how we walk you through it. Hover or tap any step to see the details.

01 Know your starting number Your credit score sets your rate range before we even apply.
  • Your credit score sets the rate you can get.
  • A higher score means a lower rate.
  • A lower rate saves you money for years.
  • Need to fix your credit first? We do that too.
02 Gather your documents Two years of income, your down payment, and a few forms — we tell you exactly what to bring.
  • Two years of income — pay stubs or tax returns.
  • Your bank statements and a photo ID.
  • SSN or ITIN — both work here.
  • We give you a simple list, so nothing slows you down.
03 We shop your rate One application, multiple lenders. We compare — you choose. No pressure.
  • One application goes to many lenders.
  • We bring you the real options — not just the easy one.
  • You see every rate side by side.
  • You choose. No pressure.
04 Down payment assistance Many first-time buyers qualify for programs that cover the down payment. We know which ones.
  • WA and NC have programs that help with the down payment.
  • Many first-time buyers qualify.
  • We check which ones fit your family.
  • We've done this for many families before.
05 Pre-approval letter in hand Your pre-approval letter tells sellers you're serious and gives you a real number to shop with.
  • The lender reviews your file and writes a letter.
  • It shows how much you can borrow.
  • Sellers take you seriously when you have it.
  • With it, you can move fast on the right home.
06 Closing — final numbers The closing is where everything comes together. We review every line with you before you sign.
  • Before closing, you get every fee in writing.
  • We go over each line with you first.
  • No surprises on signing day.
  • You sign, you pay, you get your keys.

Our Edge

Why Families Choose Our Lending Team

You Can Buy with an ITIN

No Social Security number? You can still get a home loan. We know the lenders who say yes.

All Under One Roof

Credit, lending, and your home — one team, one office. You never start over with strangers.

We Shop in Your Language

We compare lenders to find your best rate, and we explain every step in English or Spanish.

What They Say

Families We've Helped Finance

"A hardworking, courageous woman! I've worked with her since 2021 — she's my number one realtor! I recommend her to all my friends and family. She has so much knowledge when it comes to buying and selling homes! In my own experience, I dealt with several realtors and banks many times and they all told me no — when I met Doris, it was a whole new experience and I was able to get my home!"
Wendy Montes Translated from Spanish
"We were blessed to have Doris help us buy our home, and we couldn't be more grateful. From the very first moment she was kind, warm, and incredibly patient, always ready to guide us and answer our questions. Her humility and professionalism made a real difference."
Ismerai Diaz Translated from Spanish

Your Lending Team

Who Gets You Pre-Approved

Cindy Sierra

Cindy Sierra

Loan Processor — NC & WA

Get Pre-Approved

Tell us about yourself and our lending team will reach out to start your pre-approval.

We Got Your Info!

Our lending team will reach out within 24 hours to start your pre-approval process.

Call Us — (253) 400-3131