GET STARTED - FREE, NO OBLIGATION
Your Home.
Your Loan.
Your Timeline.
Find out what you qualify for - in one quick conversation.
I'm Aisha, a licensed Mortgage Loan Originator serving buyers and homeowners across Massachusetts & Rhode Island. Let's find the loan that fits your life!
✅ Know exactly what you can afford before you start looking
✅ Get pre-qualified in minutes — no impact on your credit score
✅ Personal guidance from first call to closing day
Ready to go? Apply now
FREE PRE-QUALIFICATION
Get Pre-Qualified in 2 Minutes
Not ready for a full application? No problem. Get a personalized pre-qualification in 2 minutes — no credit pull, no commitment. Just clarity on your numbers.
No impact on credit score
14 days
Average application to close
$0
Consultation & pre-qualification cost
100+
Loan programs available to you
1:1
Dedicated personal loan guidance
YOUR JOURNEY
- From Application to Closing Day -
Every step of the mortgage process, clearly laid out. I'll guide you through all of it - from our very first call to the moment you get your keys.
1. Pre-Approval
We review your income, credit, and goals together. I'll issue your pre-approval letter so you can shop with confidence and make offers sellers take seriously.
2. Loan Application
Once you've found your home, we complete the full mortgage application. You provide your documents - pay stubs, tax returns, bank statements - and I take it from there.
3. Lock your Rate
We identify the right moment to lock in your interest rate, protecting you from market fluctuations during the closing process. I'll guide you on timing.
4. Loan Processing
Your file is reviewed in detail - income verified, property appraised, title searched. I stay in close contact throughout and handle any conditions that come up.
5. Underwriting
An underwriter makes the final call on the loan approval. I work proactively to get your file to a clear-to-close decision as quickly as possible.
6. Closing Day
You sign your final documents, closing costs are settled, and the keys are yours. Average 14 days from application to close - and I'll be with you every step of the way.
LOAN PROGRAMS
Options for first‑time buyers, move‑ups, and investors.
Because we’re an independent brokerage, we can access a wide range of lenders and program types—and structure the loan around your goals, not the other way around.
Fixed Rate Mortgage
Your rate stays the same for the life of the loan. Predictable payments and long-term stability - ideal for buyers who plan to stay put.
MOST POPULAR
Adjustable Rate Mortgage
Start with a lower introductory rate that adjusts after an initial fixed period. Smart if you plan to sell or refinance within a few years.
FLEXIBLE
Conventional Mortgage
Put as little as 3% down with a conventional loan. A flexible, widely-used option for buyers with solid credit who want competitive rates without government program requirements.
LOW DOWN PAYMENT
Jumbo Loans
Financing above conventional loan limits for higher-value properties. Competitive rates with customized terms for larger purchases.
HIGH VALUE
Interest-Only Mortgage
Pay only interest for an initial period to keep monthly payments lower. A strategic option for certain investments or cash-flow situations.
STRATEGIC
FHA/VA/USDA
Government-backed programs with low or zero down-FHA (3.5%), VA ($0 for veterans), and USDA for eligible rural buyers.
GOVERNMENT-BACKED
Not sure which loan type fits?
Answer 6 quick questions and I'll match you to the best loan choice for your situation.
WHY WORK WITH ME
Clear guidance. No pressure. A smoother path to homeownership.
I'm not a call center. I'm a real person who answers the phone, knows your file, and stays with you from first call to closing day.
Fast Turnaround
I move with urgency. Most clients receive their pre-qualification letter within 24 hours of our strategy call.
Tailored Solutions
I look at your full picture - income, goals, timeline - and match you to the right program, not just the easiest one.
Clear Communication
No confusion loan-speak. I explain every option, fee, and step so you always know exactly where you stand.
100+ Loan Products
Through LMP Financial, I have access to a wide range of programs - including options for self-employed buyers and various credit profiles.
No Pressure Process
I'm here to educate and guide. If now isn't the right time, I'll tell you - and help you build a plan for when it is.
You Can Reach Me
When you work with me, you get my direct line. Real answers from a real person who knows your file.
RATE WATCH & REFINANCING
Track Today's Rates — Plan Your Refinance
Sign up to receive real-time rate alerts and a free, personalized refinance analysis. We’ll notify you when rates move and tell you if refinancing can save you money.
- Real-time rate alerts for your profile
- Personalized refinance savings estimate
- No-cost, no-obligation consultation
SEE IF REFINANCING SAVES YOU MONEY
Use this calculator to compare your current mortgage against a potential refinance. Plug in your numbers and see your estimated monthly savings, break-even point, and total interest saved — instantly.
Want a personalized analysis? Book a free call and I'll run the real numbers for you.
QUESTIONS, ANSWERED
Is now the right time to explore your options?
You don’t need perfect credit, a 20% down payment, or even a property picked out to talk to a broker. Our first step is simply understanding what’s possible for you.
I'll reply same business day with guidance tailored to your situation
Does getting my options affect my credit score?
To generate your initial scenarios and savings estimates, we rely on the information you share—not a hard credit pull. If you decide to move forward with a full application, we’ll request your permission before running credit. A single credit inquiry for a mortgage typically has a small, temporary impact and is treated differently from multiple revolving credit inquiries.
What if I’m not ready to buy yet?
That’s perfectly okay. Many of our clients start planning 6–18 months before they purchase. We can help you understand how much home you could afford today, what would need to change to reach your target price point, and give you a clear roadmap for saving, credit, and timing.
Can you work with self‑employed or non‑traditional income?
Yes. We work with lenders who specialize in self‑employed borrowers, investors, and retirees. Depending on your situation, we may use bank‑statement programs, asset‑based qualification, or DSCR (for investment properties) instead of relying purely on W‑2 income.
What information do you need to get started?
To provide tailored options, we’ll ask about your target price range, estimated credit score, income and assets, and whether you’re buying, refinancing, or investing. You can share everything in a quick online form, and we’ll let you know if any documents are needed for the next step.
READY WHEN YOU ARE
See your personalized mortgage roadmap.
In one short conversation, we’ll map out what you can afford, what your payment could look like, and which loan strategies fit your goals best.
- No obligation consultation with a licensed broker.
- Clear next steps whether you’re buying now or later.
- Honest answers to all your questions—no jargon.
Or call me directly at 774-240-4240
What to expect on our call
• A clear price range and estimated payment that fits your budget.
• A short list of loan programs tailored to your situation.
• Straight answers to your questions—no pressure to decide on the spot.
Typically 20–30 minutes
Settle down in your new home without a loan you had to settle for
Contact Me
MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER
Aisha Barbosa NMLS # 2401636 | LMP Financial NMLS # 2754084
Licensed in Massachusetts and Rhode Island
