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YOUR MORTGAGE
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Vilma Algarin

Vilma Algarin

Branch Manager [email protected] nmls#1208861
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our core values

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rocketAbove and Beyond

ideaProcess Driven

careCompassionate

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With over two decades of experience in the mortgage industry, I am a seasoned mortgage professional dedicated to helping clients navigate the complexities of home financing. Known for my unwavering commitment to customer service, I combine extensive industry knowledge with a personalized approach to ensure each client finds the mortgage solution that best fits their needs. Throughout my career, I have successfully guided countless individuals and families through the home buying and refinancing process, earning a reputation for integrity, reliability, and excellence. Whether you're a first-time homebuyer or looking to refinance, I am here to provide expert guidance and support every step of the way. Outside of work, I enjoy spending quality time with family, traveling, and reading. I am also a proud military spouse and a mother of 3 wonderful children!

Here's how we do things

Apply Online
Get
Pre-Approved
Begin Home
Search
Loan Submitted
to Processing
Clear to Close!
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Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.

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Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.

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Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.

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This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.

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After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.