Sabrina Montalvo
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​​Home Purchase Loans
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Refinance Options
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Equity Access
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DSCR Loans
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Credit Improvement​​​​
Mortgage
(3 years of experience)
Real Answers on Youtube
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.



