strategy starts with you
STEP ONE
Decide where you want to purchase
Consider what matters most based on your goals. For first-time buyers, think about work location, schools, commuting time, lifestyle, and long-term plans. For investors, focus on rental demand, cash-flow potential, operating expenses (taxes, insurance, maintenance, HOA), vacancy rates, and long-term appreciation. Helpful ways to narrow your search: talk with friends, family, and colleagues; research market trends and comparable rents; and drive through communities to evaluate condition, amenities, and overall appeal.
STEP TWO
Get Pre-Approved
A pre-approval gives you a clear understanding of your budget, estimated monthly payment, and purchasing power before you start shopping. It strengthens your offer by showing sellers you’re serious and financially qualified—especially important in competitive markets. For first-time buyers, it helps set realistic expectations and avoid falling in love with homes outside your price range. For investors, it allows you to move quickly on opportunities and accurately evaluate cash flow and return on investment based on real financing terms.
STEP THREE
House-Hunting
With your pre-approval in hand, begin touring properties that align with your goals and budget. For first-time buyers, focus on homes that fit your needs, lifestyle, and long-term plans—while staying open-minded about cosmetic updates versus major repairs. For investors, evaluate each property based on numbers first: rental income potential, cash flow, operating costs, cap rate, condition, and value-add opportunities. Compare properties carefully, visit neighborhoods at different times of day, and avoid rushing—buy the right property, not just the available one.
What's Offered?
Purchase
Secure a home purchase loan with today’s competitive mortgage rates—perfect for buying a home as-is or purchasing and renovating with a single loan.
Refinance
Take advantage of today’s interest rates to secure favorable terms—keeping your home affordable, building equity faster, accessing your home’s equity through a cash-out refinance, or refinancing and renovating your home with a renovation loan.
Loan Structuring
We design your mortgage around your financial goals — optimizing rates, terms, and loan programs to create the smartest financing strategy for your situation.
Fast Funding
As a direct lender and servicer, we have underwriters and processors all under one roof - ensuring a smooth, efficient, and seamless transaction from start to finish.
programs designed to fit every buyer.
STAY UP TO DATE ON THE LATEST LOAN PROGRAMS, OPTIONS AND UPDATES - LET'S CONNECT!
THINK YOU'RE READY?
I'd love to put my years of experience to work helping you with the entire process of purchasing a home from setting your budget to finding the loan program and option to meet your specific needs, to connecting you with a reputable Realtor to assist you in your homebuying journey.
Buying a home can be among your life's most rewarding experiences.
If you have purchased many homes in the past or are planning to buy a home for the first time, you will receive the support and guidance to make the right choice by working with me.
995 MCBRIDE AVENUE
WOODLAND PARK, NJ 07424
CALL ME
201-625-5958
MARISOL PEREZ
Senior Loan Officer / Renovation Loan Specialist
NMLS #1775344
ABOUT ME:
I have been a Mortgage Loan Officer for the past eight years. My journey into this industry began when I started as a real estate secretary, which gave me a strong foundation in the field. From there, I transitioned into the title insurance business, gaining invaluable insight into the intricacies of real estate transactions. However, it wasn’t until I purchased my own home that I truly fell in love with the process. As someone with a natural attention to detail and a bit of an OCD mindset, I found great satisfaction in navigating the complexities of securing a loan. This passion for solving intricate problems made it easy for me to handle even the most challenging loans with confidence and precision.
At the heart of my work lies a profound commitment to serving others. Helping others is not just a task for me; it is a fundamental part of who I am and what I strive for every day. This sense of duty is what drives me every day to provide exceptional service, ensuring that every client feels informed, supported, and cared for throughout their home-buying journey.
If you're looking for a Loan Officer that combines extensive experience with a passion for serving others, I'd love to help you achieve your Homeownership goals.
As each has received a gift, use it to serve one another, as good stewards of God's varied grace.
1 Peter 4:10
SOME OF MY
Testimonials
"To any prospective buyer out there in this world, please look no further than Marisol Perez when it comes to your mortgage needs. You see, Marisol is MORE than just..."
Zillow Reviews
"Which I could give a thousand stars here. Marisol you are simply the best. super-excellent customer service, extremely passionate about getting the job...."
Google Reviews
"We used Marisol Last year and she was on top of everything, it was one of the fasted closing. We closed in 13 days I believe. She was available at all times of the day and answered every Question..."
Experience Reviews
DISCLAIMER
Please Note: Any rates, fees or loan terms recited herein are based on information and or representations made by the addressee upon which we have relied. These rates, fees and terms may be subject to change if verification of these representations reveals differences, which in our opinion, alter the risks associated with the contemplated transaction. Also, all rates, terms and fees stated herein are "date sensitive" and, unless specifically stated to the contrary, are subject to change based on our opinion of changing market conditions.
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