Dream House Loans
Making Dreams Come True. One Home at a Time.
Lisa Zamora shops 100+ wholesale lenders to find you the right loan — not the only loan a bank can sell. Lower rates, faster closings, and a warm hand to hold through every step home.
A broker works for you.
A bank works for itself.
Here's what changes when you have an independent mortgage broker in your corner.
100+ wholesale lenders
I shop the wholesale market so you get the loan that actually fits — not a bank's house product.
Lower rates, lower fees
Wholesale pricing typically beats retail by 0.25–0.5%. On a $400k loan that's $20k+ over the life of your mortgage.
One point of contact
You work with me — start to keys-in-hand. No call centers, no rotating reps, no dropped balls.
Approvals others can't get
Self-employed, bank statement, DSCR, jumbo, first-time buyer — I have a lender for every situation.
Text-message responsive
Mortgage shouldn't be a black box. Text me anytime — I usually reply within the hour.
Local market expertise
Licensed in CO, FL, and NC with appraiser and title partners in each market.
Every loan, under one roof.
From first-time buyers to seasoned investors — there's a program built for your goals.
Conventional
3–20% down. Best pricing for buyers with strong credit and steady income.
- · As little as 3% down
- · Up to $806,500 (conforming)
- · Fixed or ARM
FHA
Government-backed with flexible credit. Ideal for first-time buyers.
- · 3.5% down with 580 FICO
- · Lower credit thresholds
- · Gift funds allowed
VA
0% down for eligible veterans, active duty, and surviving spouses. Earned, not given.
- · $0 down payment
- · No PMI
- · Competitive rates
Jumbo
For loans above the conforming limit. Tailored to high-balance and luxury purchases.
- · Loans to $3M+
- · Interest-only options
- · Asset-based qualification
Bank Statement
For self-employed and 1099 borrowers. We qualify you on deposits — not tax returns.
- · 12 or 24 months bank statements
- · No tax returns
- · Up to 90% LTV
DSCR Investor
Qualify investment property loans on the property's cash flow, not your personal income.
- · No income docs
- · LLC vesting OK
- · 1–10 unit properties
What will your payment look like?
Estimate your monthly mortgage. Then let's get you a real quote.
Principal & interest only. Taxes, insurance, and HOA not included.
Licensed in three states.
Rooted in your neighborhood.
Click your state to see local programs, down-payment assistance, and average closing timelines.
Mortgages in Colorado
From Denver to the Western Slope — mountain homes, condos, and rural acreage.
Explore Colorado loans
Mortgages in Florida
Coastal homes, condos, and investment properties from Miami to Pensacola.
Explore Florida loans
Mortgages in North Carolina
Charlotte, Raleigh, Asheville, and the Outer Banks — first-time to luxury.
Explore North Carolina loansTrusted by families across
three states.
"Lisa got us approved when two other lenders said no. She found a bank statement loan that worked for my contracting business and closed in 23 days."
"I called Lisa late on a Sunday and she answered. That's the difference between a broker who cares and a 1-800 number. Five stars all day."
"Our rate was a quarter point lower than what our credit union quoted. On a $520k loan that's real money. Lisa explained every line of the closing disclosure."