Monika Anderson-Mortgage Loan Originator-NMLS 2743917

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Monika Anderson-Mortgage Loan Originator-NMLS 2743917 ~~~

Unlock Your Homeownership Dreams Today

About
Mindset Mortgage

Professional & Trust-focused

  • Helping homebuyers navigate today’s mortgage options with clarity and confidence

  • Personalized loan solutions tailored to your financial goals

  • Transparent guidance from pre-approval through closing

  • Dedicated to making the home financing process smooth, simple and stress-free

About Monika

—Your Mindset Mortgage Advocate

Monika believes mortgages should feel empowering—not overwhelming. She takes time to explain every option, answer every question, and guide clients with clarity and care. From first-time buyers to seasoned homeowners, she helps you make confident decisions that support your financial future.

Loan Products

  • FHA Loans
    Federal Housing Administration loans are designed for first-time homebuyers and those with less-than-perfect credit. They require lower down payments and have more flexible qualification criteria.

  • Conventional Loans
    These are traditional mortgage loans not insured or guaranteed by the federal government. They typically require higher credit scores and larger down payments but offer competitive rates and terms.

  • VA Loans
    Available to eligible veterans, active-duty service members, and certain members of the National Guard and Reserves. VA loans offer competitive interest rates, no down payment, and no private mortgage insurance (PMI).

  • USDA Loans
    Offered by the U.S. Department of Agriculture for rural and suburban homebuyers who meet income requirements. USDA loans feature zero down payment and favorable terms.

  • Specialty Conventional
    Customized conventional loans designed to fit unique borrower needs, such as investment properties or nontraditional income documentation.

  • HomeReady
    A Fannie Mae program targeting low-to-moderate income borrowers, offering low down payment options and flexible underwriting guidelines.

  • Home Possible
    A Freddie Mac program that helps low- to moderate-income borrowers purchase homes with down payments as low as 3%, featuring flexible credit requirements.

  • Jumbo
    Loans that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. Jumbo loans are designed for high-value properties and generally have stricter credit and income requirements.

  • HUD 184
    A loan program specifically for Native American and Alaska Native borrowers, providing homeownership opportunities on trust lands with favorable terms and lower down payments.

Let’s Get You Pre-Approved

Getting pre-approved is one of the smartest first steps in the home buying process. We review your income, credit and finances to tell you how much home you can actually afford.

Why it matters:

  • It helps you shop with your real budget

  • It shows sellers you are serious and qualified

  • It can make your offer stand out in a competitive market

Getting pre-approved early can save you time, stress and surprises down the road.

Apply Now

Contact us.

Monika Anderson

monika@mindset.mortgage

+1(405)259-7559