Freedom BZness Service
Serving Homeowners - Empowering Realtors
Loralea, Mortgage Loan Officer
When house shopping, a little preparation can make all the difference. Setting yourself up for success upfront means fewer headaches later - and it all starts with a solid plan!
1. Get qualified for a mortgage – This is one of the first steps you’ll want to take. It helps you understand your budget, so you can shop with confidence and avoid wasting time on homes that are out of your price range.
2. Know your must-haves – Make a list of features you absolutely need in a home (like number of bedrooms, backyard space, or a home office). This helps you stay focused when browsing listings.
3. Research the area – Take some time to explore neighborhoods. Consider factors like schools, commute times, and local amenities. It’s just as important as the home itself.
4. Start saving for closing costs – Don’t forget about the extra expenses beyond the down payment! Closing costs can add up, so it’s important to budget for them or talk to me about our down payment assistance loan programs.
Please see the reviews below from my past customers. My promise to you is I will always go above and beyond to guide you from start to finish. Ready to get started? Let’s talk about your mortgage options. Use the contact me or the apply now buttons.
Loralea, Groves Capital NMLS# 2453000
Loan Programs for Every Need
Standard Residential
FHA, VA, Conventional, Jumbo, DPA
Traditional home loans tailored to various buyer situations.
Self-Employed Solutions
Bank Statement, P&L, Stated Income
Flexible options for entrepreneurs and business owners. Including Commercial Loans to Grow your Business.
Investor & Specialized
DSCR, Fix & Flip, Multi-Family, Commercial
Strategic financing for property investors and developers.
Equity & Specialty
HELOCs, ITIN, Mobile Home, Reverse Mortgage, Fixed rate Home Equity.
Specialized solutions for unique financial situations.
Why choose Groves
"Empowering Every Path to Homeownership.”
At Groves Capital, our mission is to make every loan possible — from first-time homebuyers to seasoned investors — by leading with positivity, solutions, and speed.
We embrace every borrower’s journey with care, creativity, and cutting-edge technology to deliver fast approvals, real answers, and a 5-star experience for every loan type — no matter how unique
licensed in:
AL, AR, AZ, CA, CO, FL, IA, ID, IL, IN, MD, ME, MN, MI, NE, NJ, OH, OR, PA, SC, TN, TX, VA, WA, WY
States Licensed to do DSCR Loans: AL, AK, AR, CT, CO, DC, DE, FL, GA, HI, IL, IN, KS, KY, LA, MA, MD, ME, MO, MI, MS, NC, NE, NH, NJ, NM, NV, NY, OH, OK PA, RI, SC, TN, TX, VA, WA, WI, WV, WY
Personalized Service
Client satisfaction is my top priority. I go above and beyond to exceed expectations and build long-lasting relationships with my clients. They know I always have their best in mind and will provide them sound guidance. Putting people in homes and creating relationships for life is what makes me happy.
Market Expertise
More borrowers are realizing that independent mortgage brokers provide unparalleled rates and service for home loans as well as expert guidance and the technology for a fast, easy process.
I have a team of 500 experienced professionals at Groves Capital. They possess in-depth knowledge and experience, which allows me to offer valuable in house loans and get them clear to close quickly. In addition I have more then 160 lenders that we work with, which gives me endless options for finding the perfect loan for you.
Testimonials
"Working with Loralea was a breeze. I was able to complete everything online which was convenient for my work/life balance."
Sarah J. Trinity, FL
" I found Loralea after a less than pleasant experience trying to get a loan from a bank. She kept me fully informed with every step and my loan was CTC in 14 days. Highly recommended!"
Ross T. Hudson, FL
"Professional and knowledgeable. Loralea "made the loan process smooth and stress-free."
Diane E. Ruskin, FL
This month's Featured Program. SAVE, SAVE SAVE with a Refinance..
