Lisa Barrientes began her career in banking and the mortgage industry in 1999. As Lisa went through the ranks with credit unions, Wells Fargo Home Mortgage, and other mortgage companies, she learned the value of the customer and a great team.
Lisa has a passion to help families with financing their new home purchases, or the refinancing of their current mortgages in order to improve the lives of each and every family she works with.
You can call her a “mortgage professional” as she is highly trained and experienced in every portion of the mortgage loan process and customer service.
Lisa has served as Loan Processor, Loan Officer, Area Processing Management, Real Estate Operations Management, and Executive Management in her 20 year career and chose Elite Financing Group because they care about Lisa’s passion to serve others and support her desire to continue to expand her knowledge.
Her approach is to work with urgency and apply her ethics and integrity to each transaction.
Lisa keeps the best interest of families and individuals she works with in mind as she understands the value of family-security and finances.
We put the client’s best interests and satisfaction above all else. Our determination to cater to your specific needs coupled with our market expertise, attention to detail, and superior negotiating skills allows you to receive first-class service.
We offer customized products to meet your needs. Elite Financing Group has worked with several investors to make sure we offer the right product to meet your financial and family needs. Here is a list of the products we offer.
This is a list of our most frequently asked questions where you might helpful quick answers too.
Not necessarily, but it will certainly help. An experienced Loan Officer will know the program that will fit your needs. We have programs for 540 credit scores and above, if you qualify. However, the lower your score, the higher your interest rate will be. We have programs and tools to help us work directly with any challenges we may face.
Programs will vary. We will work with you to determine the best program for you. Down payments range from 3% to 10% down and, if you do not want to pay PMI (private mortgage insurance), you will need to put 20% down.
Closing costs refer to all of the charges you’ll incur and need to pay at closing. Closing costs can vary significantly, but generally, expect to pay around 2% to 3% of the home’s price. We will do all we can to keep those costs down but costs include, appraisal fee, survey fee, prepaid escrow and other costs for completing your loan.
Expect your loan officer to ask for many different items, but in general, be prepared to show all of the following:
There are several different types of mortgage loans to choose from and we will have guide you to the loan fitting your current financial situation and goals.
Discount points are money that you pay up front on your mortgage in exchange for a lower interest rate. One “point” is equal to 1% of the loan amount, so on a $200,000 mortgage, one discount point would be $2,000. If the interest savings over the life of the loan is greater than the points paid, it can be worth it. A mortgage calculator can help you determine whether discount points are a good idea by comparing the effect of various interest rates on your mortgage.
When you obtain a mortgage, you’ll probably be asked to put money into an escrow account to guarantee the lender that the ongoing taxes and insurance will be taken care of and paid. You’ll pay a lump sum into the escrow account at closing (also known as your “prepaid items”), and add to it further with each of your monthly mortgage payments.