A Note to Real Estate Agents

Real Estate Agents, 

As your loan officer, my goal is to communicate and keep you updated on the milestones reached throughout the process of every file. It’s essential to have a homebuyer pre-qualified, so there are no surprises during the home buying process. As your preferred loan officer, I will analyze a consumer’s debt to income ratio, work history, and income to ensure you are working with a qualified client. I work with clients to make sure they can afford to purchase the home they want. If a client isn’t qualified, I can set goals for them like improving their credit, paying off their debt, or finding a program that is the right fit for them. 

I work with different banks that offer various programs. The most common programs are conventional, FHA, or VA. However, there are many other programs available like the stated income programs and my job is to keep myself educated and up to date to provide the best program to your clients so they can make an informed decision. 

As your loan officer, I want you to consider me a part of your team. I want to give you information to make the home buying process a smooth transaction. I am here to contribute to your dreams and provide an excellent experience so our clients are happy with our service and they keep coming back. In addition, I want to collaborate with you so that the client will refer family and friends. It’s a win-win situation!  

As your loan officer, you can expect the following from me: 

  • Great communication skills 
  • Fast response time 
  • Attention to detail 
  • Weekly market updates 
  • Quality customer service 
  • Professionalism

If you ever have any questions or concerns about the loan process, you can always pick up the phone and call me. 

Kimberly Ann Calvo

Loan Originator

Mortgage Loan Originator NMLS 1850402 | CA STATE ID 02089992