Financing
Pre-approval that prepares you to compete
Cathy Luna — Loan Officer & Realtor, Preferred LO with UWM — helps you understand options, documentation, and next steps. Educational information only — not a commitment to lend.
Why pre-approval matters
A pre-approval review looks at credit, income, assets, and debts so you can shop with a clearer budget. Sellers and listing agents generally prefer buyers who have completed this step.
- Know a realistic purchase range before touring
- Strengthen offers with lender documentation
- Spot credit or documentation items early
- Plan cash to close (down payment + closing costs)
Preferred LO with UWM — in plain language
Cathy is a Preferred Loan Officer working through the UWM (United Wholesale Mortgage) broker channel. In practical terms, that means access to a large wholesale lender platform with strong technology and processing infrastructure — useful for clear communication and a structured path for qualified borrowers.
It does not mean guaranteed approval, special insider rates for everyone, or a promise that every loan will fund. Every file is underwritten on its own merits.
What to have ready
- Government ID and Social Security number
- Recent pay stubs / income documentation
- W-2s or tax returns (as applicable)
- Bank / asset statements
- Info on debts, alimony, or other obligations
Important disclosures
This page is for general education. It is not a commitment to lend, not an offer of credit, and not a guarantee of any interest rate, APR, fee, approval, or closing timeline.
Rates and terms change and depend on credit, property, occupancy, loan program, and other factors. All loans subject to credit approval and underwriting guidelines.
Equal Housing Opportunity. Catherine Luna — NMLS #2403338 · DRE #02256542.
Verify licensing at NMLS Consumer Access.
Common loan paths (overview)
Programs vary by borrower and property. Cathy can explain which may fit after a proper review.
Conventional
Common for strong credit and standard down-payment scenarios.
FHA / VA / other
May help certain first-time or qualifying buyers — eligibility rules apply.
Investment / second home
Different guidelines and reserves often apply — ask early.
Questions about financing?
No pressure — just a clear conversation about your situation.