Denise Estrada

PRESIDENT & CEO | RMLO
NMLS#: 2079067

Office: (214)216-1760 Ext. 101

Mobile: (915) 873-4900

Denise@richardsonmortgagetx.com

Meet Denise!

“Hello, I’m Denise, and I’m passionate about making homeownership dreams come true. As the President & CEO of Richardson Mortgage and a seasoned Mortgage Loan Originator, I’ve spent years guiding clients through the mortgage loan process, and there’s no greater satisfaction than helping them reach the finish line of homeownership.

My journey in finance began as a Finance Director/Manager in the automobile industry, where I gained valuable insights into the world of numbers. But my true calling lies in assisting individuals and families in achieving the American dream of buying a home.

I’m also happily engaged to the love of my life, Todd. Together, we share a deep love for building businesses and working side by side.

When I’m not immersed in the world of mortgages, you can find me working out, constantly striving to improve myself, and being a dedicated mother to my 10-year-old son Alex and our new born baby girl Avery! I believe in the power of learning and growth, both personally and professionally. I’m here to provide you with the expertise you need to navigate the world of mortgage loans and take the risk out of homeownership. Let’s work together to turn your dreams into reality.”

I’m here to answer any questions you might have about our products and services. Feel free to contact me to discuss any of your mortgage needs.

All-in-One Solution

Our Loan Process...

LOAN APPLICATION

The first step in the mortgage process is to submit an application. The application includes information about you, your finances, and the details of your potential mortgage.

PRE-APPROVAL

A pre-approval is a preliminary indication to determine the maximum amount you qualify for. The lender will evaluate your ability to afford a mortgage payment based on your credit score, income, assets, and debts. ( this is not a loan commitment)

SHOP

Armed with your pre-approval letter, you can now begin the house-hunting process. Your real estate agent will help you find properties that match your criteria and housing budget set by you and your lender. Exciting times!

LOAN PROCESSING

Your loan processor will prepare your file to enter underwriting. During this time, all necessary paperwork is assembled, reports are ordered, such as your title search and tax transcripts, and all information on your application is verified.

UNDERWRITING

During this step, your underwriter will review your information in great detail. Note that your underwriter may come back with questions. Be sure to respond in a timely manner to ensure a smooth underwriting process.

CLOSING

A closing is a meeting that involves all the parties signing the final documents and legally transferring the property to you. When you are finished signing the closing documents, you will be given the keys to your new home. Congratulations!