Rubia Rezende

Loan Officer NMLS 2517875

FL, MA

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.

Step-by-Step Guide to Qualifying for the Home Buying Process

Download your free Step-by-Step Guide today!

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.

faqs

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.

What type of loan program is the best for me?

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

Can I Qualify for a Mortgage with an ITIN Number?

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

What is The Cost Of Renting Vs. Buying?

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!

Will a refinance help get rid of my PMI?

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.

What Does Contingent Mean When Buying a Home?

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...

Can You View Active Contingent Homes?

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.

Will a refinance help get rid of my PMI?

What is a Non-Qm Home loan?

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.