Douglas De Almeida
President & CEO NMLS 1809008
My Belief & Hard Skills
Better serving my clients is a continuous journey. To be the best I can be for you, I’ve mastered a detailed understanding of each position involved in the home loan process. My strength is utilizing technology to streamline the mortgage process and make the transaction as simple as possible.
It’s my belief that communication is key when working with clients, which is why my fluency in English, Spanish, and Portuguese is so helpful. Being able to easily explain a process many consider complex promotes confidence – and I want you to feel secure every step of the way.
Whether you’re buying, refinancing, or renovating, I offer a wide range of products to get it done. From conventional and jumbo to FHA, VA, USDA, ITIN, and more, we’ll go over the details and develop a personalized mortgage plan for you. I look forward to giving you an outstanding home financing experience.
Get a quote without a hard inquiry to your personal credit.
We welcome and celebrate different perspectives to help our clients. Leave your slow, old-school bank in the dust. Join the future of mortgages.
Most Popular Questions
We help you see the world differently, discover opportunities you may never have imagined and achieve results that bridge what is with what can be.
The many different types of loan programs available can seem overwhelming. Should you choose a fixed rate, adjustable rate, or government loan mortgage? The truth is there is no right answer... Read More
Contrary to popular belief, you do not need a social security number in order to secure a mortgage. You can qualify for a mortgage with an ITIN number as long as you meet the requirements for the loan. Read More
- Historically, the choice between renting or buying a home has been a tough decision.
- Looking at the percentage of income needed to rent a median-priced home today (28.8%) vs. the percentage needed to buy a median-priced home (17.1%), the choice becomes obvious.
- Every market is different. Before you renew your lease again, find out if you can put your housing costs to work by buying this year!
.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
The Definition of Active Contingent
The true definition of a home that is active contingent is that the home has an offer on it, but the buyer has contingencies on their offer. Continue...
Just because you can view active contingent homes, doesn’t mean you will be able to buy it. If the original buyer is able to clear all of the contingencies, the home changes to pending status and is no longer. Read More.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
order to better understand a Non-QM, it is helpful to be familiar with the criteria of a qualified mortgage. A qualified mortgage (QM-loan) is a home loan that meets certain standards set forth by the Consumer Protection Act and the Dodd-Frank Wall Street Reform Act, signed by President Obama following the 2008 housing crisis.
The requirements for a qualified mortgage include:
- Verification of income is required, otherwise known as the “ability-to-repay” rule
- The debt ratio cannot exceed 43%
- Points and fees should not exceed 3% of the loan amount
- The loan cannot have risky features such as negative amortization or interest-only
- The loan term cannot exceed 30 years
These guidelines were adopted by the Consumer Financial Protection Bureau (CFPB) to help prevent poor lending practices that sparked the previous financial crisis.
Madina Madraimova
First-time Home buyerKamila Rocha
First-time home buyer.Yi-Pin Chang
Home BuyerMortgage calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
Recent Posts & Articles
Sheila Miranda
Loan Officer NMLS 2065582
My Belief & Hard Skills
Hello! My name is Sheila Miranda, and I was born in Brazil. I moved to the United States two decades ago and started working as a real estate agent. However, my passion for helping clients achieve their dream of homeownership led me to change my profession to a mortgage loan officer.
With my experience as a realtor and my current work, I am committed to assisting my clients in the best way possible. I strive to make their dreams come true with integrity, loyalty, and excellence. I believe that every client deserves the best service, and I am dedicated to providing that service to each and every one of them. Thank you for considering me for your mortgage needs!
Get a quote without a hard inquiry to your personal credit.
We welcome and celebrate different perspectives to help our clients. Leave your slow, old-school bank in the dust. Join the future of mortgages.
Most Popular Questions
We help you see the world differently, discover opportunities you may never have imagined and achieve results that bridge what is with what can be.
The many different types of loan programs available can seem overwhelming. Should you choose a fixed rate, adjustable rate, or government loan mortgage? The truth is there is no right answer... Read More
Contrary to popular belief, you do not need a social security number in order to secure a mortgage. You can qualify for a mortgage with an ITIN number as long as you meet the requirements for the loan. Read More
- Historically, the choice between renting or buying a home has been a tough decision.
- Looking at the percentage of income needed to rent a median-priced home today (28.8%) vs. the percentage needed to buy a median-priced home (17.1%), the choice becomes obvious.
- Every market is different. Before you renew your lease again, find out if you can put your housing costs to work by buying this year!
.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
The Definition of Active Contingent
The true definition of a home that is active contingent is that the home has an offer on it, but the buyer has contingencies on their offer. Continue...
Just because you can view active contingent homes, doesn’t mean you will be able to buy it. If the original buyer is able to clear all of the contingencies, the home changes to pending status and is no longer. Read More.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
order to better understand a Non-QM, it is helpful to be familiar with the criteria of a qualified mortgage. A qualified mortgage (QM-loan) is a home loan that meets certain standards set forth by the Consumer Protection Act and the Dodd-Frank Wall Street Reform Act, signed by President Obama following the 2008 housing crisis.
The requirements for a qualified mortgage include:
- Verification of income is required, otherwise known as the “ability-to-repay” rule
- The debt ratio cannot exceed 43%
- Points and fees should not exceed 3% of the loan amount
- The loan cannot have risky features such as negative amortization or interest-only
- The loan term cannot exceed 30 years
These guidelines were adopted by the Consumer Financial Protection Bureau (CFPB) to help prevent poor lending practices that sparked the previous financial crisis.
Most Popular Questions
We help you see the world differently, discover opportunities you may never have imagined and achieve results that bridge what is with what can be.
The many different types of loan programs available can seem overwhelming. Should you choose a fixed rate, adjustable rate, or government loan mortgage? The truth is there is no right answer... Read More
Contrary to popular belief, you do not need a social security number in order to secure a mortgage. You can qualify for a mortgage with an ITIN number as long as you meet the requirements for the loan. Read More
- Historically, the choice between renting or buying a home has been a tough decision.
- Looking at the percentage of income needed to rent a median-priced home today (28.8%) vs. the percentage needed to buy a median-priced home (17.1%), the choice becomes obvious.
- Every market is different. Before you renew your lease again, find out if you can put your housing costs to work by buying this year!
.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
The Definition of Active Contingent
The true definition of a home that is active contingent is that the home has an offer on it, but the buyer has contingencies on their offer. Continue...
Just because you can view active contingent homes, doesn’t mean you will be able to buy it. If the original buyer is able to clear all of the contingencies, the home changes to pending status and is no longer. Read More.
In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.
order to better understand a Non-QM, it is helpful to be familiar with the criteria of a qualified mortgage. A qualified mortgage (QM-loan) is a home loan that meets certain standards set forth by the Consumer Protection Act and the Dodd-Frank Wall Street Reform Act, signed by President Obama following the 2008 housing crisis.
The requirements for a qualified mortgage include:
- Verification of income is required, otherwise known as the “ability-to-repay” rule
- The debt ratio cannot exceed 43%
- Points and fees should not exceed 3% of the loan amount
- The loan cannot have risky features such as negative amortization or interest-only
- The loan term cannot exceed 30 years
These guidelines were adopted by the Consumer Financial Protection Bureau (CFPB) to help prevent poor lending practices that sparked the previous financial crisis.
Madina Madraimova
First-time Home buyerKamila Rocha
First-time home buyer.Yi-Pin Chang
Home BuyerMortgage calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.