@jenniferchicano
Certified Mortgage Advisor™
Zero Point Mortgage Services
Mortgage Loan Officer
I help first-time homebuyers, homebuyers, homeowners, and real estate investors in Denver, CO and across CO, CA, AZ, PA & FL secure the right mortgage solutions with clarity and strategy. Whether purchasing, refinancing, or leveraging equity, I simplify the process from start to finish. I offer FHA, VA, Conventional, Non-QM, DSCR, Down Payment Assistance (DPA), Reverse Mortgages, Investment Property, Jumbo, Bridge, and Construction loans nationwide. Certified Mortgage Advisor™ | NMLS 1194079
Mortgage Process
Submitting your mortgage application is only the beginning. Here’s what typically happens next as your loan moves through documentation, processing, underwriting, final approval, and closing.
Loan Underwriting
Underwriting is where your mortgage file gets reviewed in detail. Here’s what the underwriter is actually checking, why conditions happen, and what borrowers can do to keep the loan moving.
Seller Concessions
A $15,000 seller concession can potentially do very different jobs depending on your loan and transaction. Compare using it toward eligible closing costs, a permanent rate buydown, or a temporary payment buydown before deciding where those dollars work hardest.
one-time-close-construction-loan
A construction loan works differently from a mortgage used to buy a finished home. Funds are typically released in stages as construction progresses, and the financing may convert to a permanent mortgage or require a second closing. Here’s what to understand before you build.
Rate Buydown
A seller-funded temporary buydown can reduce your initial mortgage payment, but the underlying note rate doesn’t disappear. Here’s how a 2-1 buydown works, what happens when the temporary subsidy ends, and what buyers should compare before saying yes.
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