"Home is not just a place to live, but a place to feel safe, loved, and happy."
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Get Pre-Approved
Hello, I’m Víctor Almendariz, your dedicated and experienced Loan Originator. With 10+ years of industry expertise, I deeply understand the ever-changing mortgage landscape, allowing me to offer personalized and tailored solutions to meet your specific needs.
As your advocate for exceptional customer service, I take the time to listen attentively to your financial goals and fully understand your unique situation. By carefully analyzing the available options, I will navigate you through the loan process with clarity and transparency, making it a smooth and stress-free experience.
With a strong track record of successful closings, I have built a reputation for reliability trustworthiness, and consistently delivering optimal results. Whether you’re a first-time homebuyer, looking to refinance, or seeking investment opportunities, I am dedicated to finding the ideal loan solution to help you reach your goals.
My commitment to excellence extends beyond the office, as I actively engage in professional development to stay updated on industry trends and regulations. This commitment to knowledge empowers me to offer the latest and most innovative financial products available.
When you work with me, you can expect a partnership built on integrity, expertise, and a genuine desire to help you achieve financial success. Let me guide you through your loan journey and unlock the possibilities of homeownership and financial growth.
The most crucial part of buying a home is being sure you can afford its payment. So, before you get pre-approved, decide how much you feel comfortable spending each month and write that number down.
A mortgage lender may pre-approve you for a larger monthly payment. We recommend you stay within your budget.
Mortgage pre-approvals are available for free through most mortgage websites with no obligation to proceed. Many home buyers get their mortgage from a different mortgage company that pre-approved them. So, don’t overthink this step.
The critical part of getting your pre-approval is that you get it. Without a pre-approval, you cannot buy a home.
As part of your pre-approval, the lender may ask for supporting paperwork, including:
Bank statements
W-2 statements
Pay stubs and proof of deposits
Federal tax returns
Student loan statements
You don’t need them downloaded or on your hard drive in advance. Just know where to find these documents when you get asked.
Mortgage pre-approvals get processed online or in person. The simplest pre-approvals are self-service.
Home buyers can get a free mortgage pre-approval from any mortgage lender or do a self-service pre-approval in under three minutes.
In this market, timing is critical. When you find the home you want, you may need to make an offer right away, otherwise someone else may get your home!
Being pre-approved enables you to move quickly and get that offer in!
Don’t Miss Out... Get Pre-Approved...
I can’t tell you how many times I’ve seen a client fall in love with a house, but end up losing the home because they weren’t pre-approved. Getting pre-approved solves this problem, as it enables you to move quickly on an offer. You wouldn’t want to miss out on your dream home!
Communities
Past Clients
Francisco
Duncanville
Daniel & Nohemi Jasso
1404 La Fonda Circle
Reviews
I was a first time homeowner and was super nervous of the home buying process. Frances was always available to answer any questions, no matter the time of day. She was always looking at new postings, taking in my particular needs and wants and sending information that would seem relevant to my home buying process. She was always 2 steps ahead of the game!! She could not have made the first home buying process any easier. Will definitely recommend her to anyone, and I myself will go to her for future sales, or purchases.
Yessenia Ramirez
Frances was always very quick to respond and very flexible/accommodating with our schedules. She helped us find the perfect home for our family in the area that we were looking for.
Mayra
Very helpful and attentive. Went above and beyond for me. Explained the home buying process to me several times. Made sure i understood everything that was going on. Also, helped me get in contact with someone that helped first time buyers with a down payment assistance program. Highly recommend.
Bridget
Gracias por negociar para que pusieran un nuevo techo.
Nohemi Jasso
When we started the process of buying a home we had no earthly idea where to start. We took the jump and simply called one of those realtor signs on the front of a house. We connected with Ryan Rite and Frances Villagran. We began our home buying process and Frances led us every step of the way. If you want the down to earth agent, Frances is your person. She showed up to every meeting, answered every call and gave us the reassurance we needed going through the process. We even had an opportunity to meet her family on one of our quick Sunday meets. She seems like a wonderful person both in and out of her work. We hope to work with her again someday and will be giving her name and number to all. Thank you again Frances.
