Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.
Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.
After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.
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Alison and Nichol were wonderful. They din an amazing job getting us a loan that we needed to get the home we wanted. I would highly recommend them to anyone who is looking to get their dream home.
Alexis and the whole providence team made my experience incredibly easy and worthwhile I loved it!! I will definitely be recommending!
Very professional and went out of their way to make things happen quickly. Team was honest and supportive. Everything went quickly and smooth. Will recommend every time! Thank you to the team!
The communication was great and I was provided realistic expectations.
Buying a home of the happiest experience I’ve ever had. This massive financial decision, however, also made it the most stressful. Alison made this process smooth and informative to ease the stress. Everything was explained perfectly. She answered all our questions. We also moved through the process quite quickly. Alison made her self available almost always and that made it easy to reach her. Thank you so much!
She always great. 2nd time using her. Always very helpful and informational.
It was fast and easy process number were better than I expected
They helped everything go smoothly and was always attentive.
Did wonderful job helping us with loan we needed. Thank you!
Both Alison Garcia and Alexis Robbins were extremely curtious and helpful in every step of the loan process. I bought a condo on my own and although I had an inconvenient schedule as a driver operator, they were both really kind to me.
I would like to take this opportunity to express my gratitude for the outstanding professionalism you displayed in assisting us. Not only were you very helpful, but also made the move very easy for us. Your outstanding customer service and kindness is greatly appreciated. I will most definitely spread the word to all my colleagues in need of a home. Thank you again for all that you have done for me and my family.
Great job. Best finance team around
This experience was amazing!!
Y’all were amazing….correspondence was awesome… you guys got it done quickly…
It was an easy and smooth transaction. “Painless” you and your team are awesome! I will refer you all to all my family and friends.
Excellent work! Worked with 5+ lenders and couldn’t get a answer until I worked with providence they made it possible for me to get my dream home. 10/10 would recommend.
Alison and the team did great!
Ruben T.
Alison did every excellent support through mortgage loan process..
Perfect! Thay worked very hard to get us into our new home and they did it!!
I was so happy with how the ladies worked with us answering calls and or getting back to us they were so nice and made everything so smooth. I’d choose Alison and Alexis to help me again if ill ever need it.
We really appreciate all the help we received from the Providence team, especially from Alison and Lex. Thank you guys for making this process as smooth as possible and getting us into our first home. We are so grateful for the help!!
Alison and her team work diligently to get you into your home! They are very professional and exceed expectations. If you want a great experience and a team who works hard for you, this is the one! Love them and definitely will be using if any future changes. Highly recommended!! 1000% from happy 1st time homeowners!
Absolutely the best people program experience!! Definitely recommend to others!!!
Buena profesionalidad en cuanto al trabajo y el trato hacia sus clients.
Alison made everything go very smoothly and made this home buying expensive great for me and my family she kept us up to date throughout the whole process and would 100% recommend her to anyone I know that is buying a house
The best and couldn’t be more proud of working with smart people and fast paced
She is a miracle worker!
I’d like to thank Alison and her staff for such a wonderful smooth experience we were give. The process was smooth sailing. Thank you
We have been really happy and appreciated with Alison and her great team. They’re professional and very efficient. We’ll recommend them to anyone who is interested in purchasing a home. Alison Garcia team made it possible for us to get approved for the mortgage. We are enjoying our new home thanks to the dedication and their hard work.
A unique experience. The team worked hard to help me I highly recommend them and ii am already recommending them to my friends
The entire team really went to bat for us! We have never had such good communication and service! Thx Alison, Davud and Nichol.
The purchase of our new home was such a good experience. Alison and Alexis were professional, but friendly, and made us feel like we truly mattered to them.
Was very helpful. Was more than willing to walk me through every step and try too answer any questions I had.
Great communication, answered any and ll questions that we had, to better understand the process. Also very quick and smooth from beginning to signing day.
We got our dream home. Thanks
Great at answering ally questions and the fastness of the answering the phone calls or understanding when one could not be on the phone as much. The after hours calls were great as well.
Alison & Alexis worked so hard 7 days a week to help us, answered any questions we had in timely manner & most of all was very patient and professional with us! 10/10 recommend this team to anyone ready to purchase a home!
Very helpful and informative on top of everything best experience I’ve had on purchasing a home
Alison & her team went above and beyond for my family! Thay are hands down the best 100%!! They mad the process so smooth and communicated from start to finish with no issue. We appreciate y’all and god bless you all!!
Great experience. Alison and Nichol were helpful and made the process smooth.
Great communication
Detailed information and specific instructions about what to do and what is needed of us through out the entire process.
Alison and her team have been heaven sent. They took care of us like family. We are forever grateful for there dedication to our family. I highly recommend them you will not be disappointed.
Very helpful. Available to answer questions I had regularly
Alison and Nichol were so kind and made the process very smooth for us. Amazing ladies!
Very helpful and quick on getting information for me and others involved.
That you took care of me and communicate very well and gave me understanding of what I needed to know. Thanks
Everything went smoothly and fast!!
I’m very grateful in all the process from start to finish. They answered every question we got and work with me on my schedule that was very bust at time.
I think what made it GREAT experience for me was constant communication and commitment in making sure I understood everything. They honestly made me feel tranquil and content. Thank you!
The whole team was amazing. Answered every time I called and made the process so easy. Was amazing and they changed my family’s life
Alison and Nichol always made me feel like I was a priority and they were very transparent through the entire process.
Excellent she help me out lot and what I can able to get my home!
Alison and her team work diligently to get you into your home! They are very professional and exceed expectations. If you want a great experience and a team who works hard for you, this is the one! Love them and definitely will be using if any future changes. Highly recommend!!! 1000% from happy 1st time homeowners!
Absolutely the best people program experience!!! Definitely recommend to others!!
They helped everything go smooth and was always attentive!
Did wonderful job helping us with loan we needed. Thank you!
Great job. Best finance team around!
Yall were amazing...correspondence was awesome...you guys got it done quickly.
Thank you for your excellent work
I was so happy with how the ladies worked with us answering calls and or getting back to us they were so nice and made everything so smooth. I'd choose Allison and Alexis to help me again if Ill ever need it.
We really appreciate all the help we received from the Providence team, especially from Allison and Lex. Thank you guys for making this process as smooth as possible and getting us into our first home. We are so grateful for the help!!
This experience was amazing!
The all process to estar to close great work we so happy. Fam Chavarria thanks to the people of providence home loans
Our process was so fast and panful.
Stress free!!
Nichol is great help she was so calm through the entire process which made me calm. And everything worked out just the way she said it would
Great people, great service!!
Everything perfect
Alison and her team were able to get us approved for the loan after 2 other mortgage companies would not approve us or take the time Alison and Nichol did to get us approved.
Had a great experience so easy to work with
Alison and her team was great! They worked so well together and kept us informed through out the entire process
Alison was wonderful! She helped me navigate through a lot of questions I had and helped me find a good home insurance provider. She was also very patient with my slow responses back to her! I would highly recommend her to any person buying a home!
Very good communication and they took care of everything!
I am now enjoying my new home because of Alison and here team. This would not have been possible without her persistence and knowledge. Because of her diligence and heart, we are no longer struggling to find a place to stay. My family and I thank you from the bottom of our hearts. Thank you for going above and beyond for our family.
Alison and her team made things simple and the entire process was great and smooth they all communicated well and answered all our questions.
While all my questions were answered, I was not aware that I could ask for advice in many areas.
They were so fast reliable. No hidden agenda. We’re always available to answer my questions.
Y’all were great thank you for your help!
She help us to get to where we are now …. Home owners
Very comfortable process. Unbeatable service. Would definitely recommend.
The process and advice
Awesome work
The help on getting approved
En Verdad muy agradecido con usted senora Alison y mucho mas con Orlando Abril En Verdad un muchacho genial fue con quien mas tuve el placer de interactuar
Mil gracias a tu equipo en Verdad los recomiendo al 100% muchas gracias por tanto
Very easy to work with, very patient and explain everything to you and made you understand before moving forward. And also very friendly 😊
Super recomendada si no fuera por su equipo no tendriamos nuestra casa y super rapida
Everything was great. Timing, communication, and the help when I didn’t know what I was looking for.
Excellent professional! When we thought that everything was lost, she accepted our file halfway and achieved the closure in 7 days. Thank you so much Alison Garcia and the entire Providence Home Loan team for helping us get our home.
Alison was so easy to communicate with and helped us at evry turn! She was patient with us and over all very great to work with!
Your team is amazing anything I needed or any questions I had you guys always answered no matter time or day thanks you so much
Alison and her team made this easiest process I have ever had with a mortgage. Great communication and always ahead of the game. Working with a local lender is so much easier and faster than the big banks.
I was able to get a home loan under 2 months, thanks to Alison & Nichol.
I was always lead in the right direction. Given excellent instructions, I was always kept in the loop through the whole process. 😊👍💯
Every step was explained in detail I would definitely recommend to all who needs. Thank you all so much!
Communication was excellent, service was top notch. I was kept up to date on changes or paperwork that was needed. It was overall a very pleasant experience. Made the home buying process very easy.
Communication, Helpfulnes, and Compassion
Great customer service, always friendly, and very informative. The process of buying my first home was enjoyable and painless. She handled all of my needs and questions promptly.
The knowledge and sincere helpfulness of Alison Garcia and her team.
Alison makes you feel like you’re her only client and home buying process was very easy and smooth. She has awesome customer service. I have bought a home before and it was a terrible experience and this experience was the complete opposite. I would definitely recommend Alison and her team to anyone buying a home.
Alison makes you feel like you’re her only client and home buying process was very easy and smooth. She has awesome customer service. I have bought a home before and it was a terrible experience and this experience was the complete opposite. I would definitely recommend Alison and her team to anyone buying a home.
The process was very smooth and literally everyone there was helpful!
Overall help
Great communication and friendly service!
Alison and her staff were always available for nay questions that I needed answered. She was very patient and explained the process thoroughly. I felt comfortable with her and believed she had my best interests in mind at all times. I am very happy client after my experience with Alison and her staff.
Put in every effort to make it happen.
Got approved, something I have been waiting for years, they got it done
Absolutely was a gem! Made a miracle happen after a huge disaster with another lender. Much thanks and professionalism was off the chain.
Very prompt to respond
Alison was phenomenal. She received our file with urgency and she managed to pull off finalizing everything and making it our closing date. Highly recommended!
They were nice and helpful if I had trouble with any paperwork.
They were so helpful and made the process smooth.
Super helpful with everything
The communication
Great communication helped me a lot through the process thank you so much was a great experience
Alison and her team made my first time homebuying experience absolutely perfect. I would definitely recommend this team to anyone looking to buy a home!
They went above and beyond and they made my dream come true
Alison was amazing. We had issues with another lender and ready to give up. Alison took over and got the job done quickly and professionally within 2 weeks. A miracle it seemed. Thank you Alison for being so amazing.
Alison And Lexi Robbins went above and beyond to get my family into our beautiful home. They answered every phone call and email no matter the time. Helped us stay calm even when worries came about. I highly recommend these amazing people to earn your business.
Alison and Alexis did a great job from beginning to end. They made the whole experience and process painless and would always give frequent updates regarding the loan. Thank you both for all of your help!
You guys were always right on top of everything, my 4th time buying a house and by far my best experience!!
You guys were always right on top of everything, my 4th time buying a house and by far my best experience!!
Alison and her team were always communicating with me. They’re definitely on top of things.
All good no problem
Communication is key. I really appreciate the level of communication we received making it easy for us to understand every step of the loan process.
Very smooth process! Alison and Alexis were wonderful to work with, they made the whole lending process stress free. Very professional!
Everything! The whole process.
Great customer service. Very helpful and knowledgeable.
Did amazing. Would recommended!
It was smooth and easy process. The team communicated with us throughout the entire process. I am very please we used Alison Garcia’s Providence Team.
First of all I was able to get approved for the mortgage! And second that the team was always there for every step of the way and process! Thanks
Fast, reliable, and great communication
All information was given to me win a very timely manner
Great service very grateful to have found y’all
Everything! Y’all took care of all the paperwork made it so easy for me to buy a house and walked me through the whole process. I’ve heard bad situations happening to people and here I am living in my dream house. Thank you.
Alison is one in a million. She’s smart, kind, knowledgeable, fair and honest. She worked with me, advised me, and asked me to be patient with her as she got it done. She made my dream come true of being a Home Owner!
It was so much easier than we thought. They did great and were a huge help!
Caring and understanding through the whole process was such a relief from what I had been going through before I switched to you all.
She worked with us aand walked us through each step. Any questions we had she was sure to answer them with urgency. Providence made buying our first home a easy process.
You guys were very supportive and patient.
GREAT!!!!
Being able to get it done.
The people were committed to helping us with our new home, they didn’t gave us the run around like others did
The whole process was easy especially since I was a first time home buyer.
Thank you for such a great experience everyone was very helpful walking me thru the process.
Thanks. Chris G.
Committed to giving you all the support and guidance you need.
A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.
On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.
An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.
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Providence Home Loans | NMLS: 227556
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