Find Out How Much Home You Can Afford!
Know exactly what you can afford before you start searching for a home.
Ready to Buy Your First Home or Next Home?
Do I Qualify?
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.
Loan Process
The Home Purchase Loan Process
Here's how our home purchase loan process works:
Complete our simple mortgage Pre-Qualification Letter Request
Adjustable-Rate Mortgage (ARM)
Receive options based on your unique criteria and scenario
Conforming Loans
Compare mortgage interest rates and terms
Jumbo & Super Jumbo Loans
Choose the offer that best fits your needs
FHA, VA & USDA Loans
Fixed-Rate Mortgage
Flexible Terms Available
Mortgage Home Purchase Loans without the Hassle!
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn't have to be stressful!
We're here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with a Pre-Qualification Letter Request.
We'll help you clearly see differences between loan programs, allowing you to choose the right one for you, whether you're a first-time homebuyer or a repeat buyer.
Get Your Purchase Analysis Now!
Client Reviews
"Wonderful communication, super professional and fun to work with. Shereen has the gift of listening, formulating a plan and executing through to closing. It's a pleasure working together."
Bill M
Denver, CO
"It was a great buying experience, Shereen was there every step of the way, and helped us through the process. She was available all the time, and really made this an easy process"
Sean N
Oregon City, OR
"I am a first time buyer and I have to tell you Shereen Muckerman was very helpful throughout the entire process from the beginning to end! Highly recommended!"
Samira ZM
Centennial, CO
"From the very first conversation I knew that Shereen was the lender for me. She is knowledgeable, caring and supportive through every step of the process. I will definitely be back in the future."
Sharna LK
Cornelius, OR
"Shereen is invested in the people she works with. She is efficient and professional! She is responsive and cares about her clients. Shereen is knowledgeable about how to best put people in the right program to meet their needs"
Dominique C
Cornelius, OR
"Working with Shereen and the team at Neighborhood Loans was overall a fantastic experience. Each step was explained to me and I never felt hesitant to call and ask for clarification or additional information if needed."
Allison R
Salem, OR
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Shereen Muckerman Services all of
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All product names, logos, and brands are property of their respective owners.
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
Copyright © 2026 | Team Shereen- Mortgage Wizard
Licensed In: AL, CO, FL, TN, TX, WA, CA, OR, NM | NMLS #1396756 | NMLS ID 1660690 | AZ BANKER license: BK-2006218
Corporate Address: 5559 S Sossaman Rd Building 1 #101, Mesa, AZ 85212
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
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555 West Monroe St., Ste 500
Chicago, Illinois 60661
844-768-1713
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