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  • ​​Home Purchase Loans

  • Refinance Options

  • Equity Access

  • DSCR Loans

  • Credit Improvement​​​​

Mortgage

(3 years of experience)

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Real Answers on Youtube

  • Curious of how to use an amortization calculator?

  • How much do I need to purchase a home?

  • Can I pay my home off faster?

  • Should I use my equity or not?

  • How do I know how much equity I need?

  • Explain differences in home equity vs heloc vs refinance.

Common Questions

Why not just go to my bank or credit union?
Because their menu is limited, they can only offer what they have in house.
As a broker, I shop across multiple lenders to find what actually works for you.
That means more options, better rates, and terms that fit your exact situation.

 

Why not just work with my Realtor’s “preferred lender”?
Preferred lenders often work great for speed but not always for fit.
I’m here to make sure you’re not just closing quickly, but also smartly without overpaying in interest or fees.
Plus, I’m not on anyone’s payroll, my loyalty is to you, not a sales quota.

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Are your fees lower?
Most of the time, yes. There's factors that play a part with each lender and I don't work for free.
As a broker, my overhead is lower, and that means we can often pass savings directly to you.
Banks and big retail lenders have layers of management and marketing to pay for. I keep things lean and personal.

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Will you tell me the truth, even if it’s not what I want to hear?
Always.
If you’re ready now, I’ll tell you.
If you need 3–6 months to prepare. I’ll map out exactly what to do so you get the best terms possible when you’re ready.

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What’s it like working with you?
Easy. Flexible. No-pressure.
Call, text, email, or Zoom, whatever works for you.
You’ll never feel like “just a number” here. I treat your mortgage like it’s my own.

NMLS #575897 · Licensed in Michigan · Powered by Discount Mortgage NMLS ID #___
All mortgage information provided is for educational purposes only and does not constitute a commitment to lend. All loans are subject to credit approval, property eligibility, and underwriting guidelines. Terms, conditions, and availability may vary by lender and state. Submitting information through this site does not guarantee approval or loan commitment.
Equal Housing Opportunity: Discount Mortgage is an Equal Housing Lender. NMLS #  ___. Licensed in Michigan.

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Financial education services are offered separately from mortgage services. Insurance products may not be available in all states and are not a deposit or obligation of, or guaranteed by, any depository institution.  Insurance License: Michigan | NPN: 18623354

Please do not send Social Security numbers, full dates of birth, or account numbers through this website form. A secure link will be provided if needed.

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Accessibility matters. I, Sabrina Montalvo, strive to make my site usable for all. Serving Michigan in mortgage, refinancing, life insurance, and personal finance. All inquiries are kept confidential. Contact: hello@sabrinamontalvo.com

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Your privacy matters. I, Sabrina Montalvo, keep all personal and financial information confidential and secure. I never sell your data, and I only share with trusted partners when necessary to serve you. Read the full Privacy Policy for details.​

Email: hello@sabrinamontalvo.com

Location: Detroit, MI (Serving clients nationwide)

© 2025 Sabrina Montalvo™ | NMLS #575897 | Powered by Discount Mortgage NMLS___ | Disclosures & Compliance | Privacy Policy | Accessibility Statement | Confidentiality

© 2025 Valuable Lending™

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