Erica Udoffia
REALTOR
erica@everoakrealtynetwork.netCalifornia DRE #02180084
Georgia GREC #436245
ROOTED IN POSSIBILITY.
Real estate.
Mortgage.
Lasting wealth.
One network. Every possibility.
A more personal way to buy, sell, and finance your next chapter.
YOUR VISION. OUR COMMITMENT.
THE EVEROAK APPROACH
One relationship.
A world of opportunity.
From your first front door to your next investment, bring your real estate and financing decisions together—with a team that sees the whole picture.
Buy & sell
A place for your next chapter.
02Mortgage
Financing with your life in mind.
03Invest
Look ahead. Build with purpose.
FINANCING THAT SEES THE WHOLE PICTURE
More paths.
More possibilities.
A straightforward starting point for exploring your options. We’ll help you understand which programs may fit your situation.
01
Conventional
Financing for primary homes, second homes, and eligible investment properties.
Explore Conventional ↗02FHA
Government-insured financing with eligibility based on your credit, income, and property.
Explore FHA ↗03VA
Explore VA-backed financing for eligible service members, veterans, and qualifying surviving spouses.
Explore VA ↗04USDA
Financing for eligible properties and borrowers in qualifying rural areas.
Explore USDA ↗05Jumbo / Luxury
Financing options for loan amounts above applicable conforming limits.
Explore Jumbo / Luxury ↗06Non-QM
Alternative qualification options for borrowers who do not fit standard underwriting guidelines.
Explore Non-QM ↗07Bank Statement
Explore programs that may use eligible bank statements to document self-employed income.
Explore Bank Statement ↗08DSCR
Investor financing that considers a property’s rental income relative to its debt obligations.
Explore DSCR ↗09DPA & Grants
Review down payment assistance and grant opportunities, subject to location, funding, and eligibility.
Explore DPA & Grants ↗10Refinance
Discuss adjusting your loan term, accessing equity, or reviewing your existing mortgage.
Explore Refinance ↗All programs are subject to lender availability, borrower and property eligibility, underwriting, and applicable requirements. Assistance funding is not guaranteed.
A NO DOESN’T HAVE TO END THE CONVERSATION
“We get people approved
when others say no.”
Every financial story deserves a closer look. If your situation doesn’t fit a standard checklist, let’s explore the options together.
Let’s take a second look ↗Approval is never guaranteed. All loans are subject to eligibility, verification, and underwriting.
Self-employed or business owner?
Income that needs a different approach?
Investing in a rental property?
Need help exploring down payment options?
PLAN YOUR NEXT MOVE
Make room for
the possibilities.
Explore an estimated monthly payment. Adjust the numbers to see how they work together.
ESTIMATED MONTHLY PAYMENT
$4,037/ month
Principal & interest$3,287
Property tax$600
Home insurance$150
HOA & mortgage insurance$0
Illustration only, not a rate quote or offer of credit. Actual payments, mortgage insurance, fees, and closing costs vary. The example rate is not an advertised available rate. Taxes and insurance can change.
Explore my financing ↗A PERSONAL CONNECTION
Meet your
EverOak team.
Real estate and mortgage guidance, connected around you.
View EverOak Team & Contact Details ↗Enoh Udoffia
BROKER
enoh@everoakrealtynetwork.netNMLS #2281138
California DRE #01853537
Georgia GREC #43424
LET’S BUILD WHAT’S NEXT