Individuals are finding it difficult to start the preapproval process to buy their first home because of issues ranging from the lack of education, information, or bad credit scores. After operating in the real estate scene as a realtor in the Houston area for the past decade, Vianey Lujan has completed her transition into a mortgage loan officer, armed with the responsibility of educating and informing prospective clients. As a mortgage loan originator, her primary goal is to educate buyers on their loan options and provide the best home loan experience for the buyers, sellers, and realtors involved in the transaction.
According to Vianey, what drives her is seeing the satisfactory smile on the faces of her clients. From the moment she transitioned into the mortgage aspect of real estate, she knew that it was crucial to provide qualified, caring, and responsible lending for her clients. She knew what buyers and Realtors were looking for in regards to customer service, accountability, and delivery on a given preapproval letter. Today, she has grown professionally as a mortgage loan officer and is pioneering change in the mortgage industry by promoting knowledge of the home buying process to prospective borrowers and Realtors.
Vianey is a mortgage loan officer at Oakdale Mortgage who understands that the home buying process could be a headache, due to the lack of understanding of the mortgage process.
Vianey is an immigrant who came to America from Mexico at the age of 5. Now an American citizen, she loves to help other immigrants who are seeking to buy their dream homes.
Vianey understands the importance of customer satisfaction, and daily, she strives to provide impeccable customer service that impacts the extent to which a client can successfully materialize their dream homes. In addition to spelling the difference between success and failure for companies in the industry, Vianey can answer every borrower’s questions. She explained, “I want to guarantee that every borrower is well-informed and can then select the program that best suits their needs.”
Vianey wants real estate professionals in the area to remember that mortgage literacy for themselves and for their clients is what will set accurate expectations for their clients looking at buying a home.
In the mortgage industry, communication is crucial if you want to provide an effective and good homebuyer experience, and in the Houston area, it is even more crucial to be able to communicate with Hispanic buyers in the language they understand.
From first-hand experience, Vianey has seen that buyers in Latin countries are not used to buying anything with credit. Items, including homes, are typically bought in cash. We must educate buyers on the importance of credit, credit scores, and how important it is when it comes to buying a home with a mortgage loan. That is a cultural difference that Hispanic immigrants aren’t used to considering when they move to the states. Buying a home is an unknown opportunity that immigrants do not know about simply because they do not know about it.
However, Vianey also shares that when Hispanic buyers get declined when applying for a home, it is just as crucial to educate them on why they were denied. It is so easy to be discouraged after being denied on their home application, but what Vianey has seen is that educating individuals on what they can do to improve their chances down the road creates a long-term relationship between her and the client.
She attributes her growth in the industry to the good client experience she and her team can provide, especially since they can communicate with their clients in Spanish. The mortgage industry is difficult to understand for people who aren’t working in the “home loan” trenches, and it is even more difficult when you are trying to understand it in a completely different language. Clients have described their experience working with Vianey and Oakdale Mortgage as “so smooth and stress-free”.
Realtors frequently partner with Vianey for that exact reason: her team can provide mortgage education to the Hispanic market and create a smooth and impactful experience for their clients. A Houston realtor shares, “before I can even email to check the status of a file, she’s emailing me to let me know”.
In the future, Vianey’s personal and professional goals include helping more individuals and families achieve their dreams of homeownership, helping individuals with loans purchase investment properties to grow their wealth, and providing loans for foreign borrowers who wish to buy their primary home or investment property in the US.
With particular emphasis on access to mortgage loans, streamlining the home buying process, and top-notch customer service delivery. She aims to give her clients the best experience possible while helping each client develop a well-thought-out plan for their home loan.
With such lofty ambitions, the real estate industry in the United States is poised to accommodate more people and help them achieve more with mortgage loan officers like Vianey. Vianey hopes to see a more inclusive real estate market where every individual can aspire to own a property and experience a stress-free and educational loan mortgage process.
Mortgage Loan Originator – NMLS 1670473
Oakdale Mortgage LLC – NMLS 1625250
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