For real estate agents

Let’s support the relationship with your client.

When you introduce a client, you are trusting another professional with a relationship you worked hard to build. My goal is to support it with clear communication, responsible follow-up, and guidance in English or Spanish.

Talk through a scenario

A thoughtful partnership

More clarity for the client. Better coordination for the agent.

I work with buyers, homeowners, and investors with different financial stories. Every scenario is reviewed individually under the guidelines of the available program.

Bilingual communication

Your clients can ask questions and understand their next steps directly in English or Spanish.

Support for different profiles

We explore residential and investment options based on the client’s financial story and goals.

Local presence and professional backing

Mayra is based in Gaithersburg and provides mortgage services in Maryland, sponsored by The Rate Factory LLC dba United Mortgage Plus, NMLS #1038683.

Meet our broker

Responsible updates

With the client’s authorization and within privacy limits, I share appropriate milestones to help coordinate the transaction.

Featured programs

Options for conversations that are not always simple.

These are some of the options that often raise the most questions for agents and clients. Highlighting them does not mean they fit everyone; every application requires a complete review.

Investment properties

DSCR loans

For certain investment loans, qualification may place greater emphasis on the property’s expected rental income or cash flow. Credit, reserve, down payment, appraisal, and property eligibility requirements vary by program.

Moving between homes

Buy before you sell

Some programs may help eligible homeowners explore purchasing their next home before selling their current property. Availability, costs, and conditions depend on the program and the client’s circumstances.

Primary residence

FHA loans

An option for eligible buyers who will occupy the property as their primary residence. It may permit a lower down payment than some conventional options; mortgage insurance and FHA and lender requirements apply.

Nontraditional income

Self-employed and 1099 clients

Depending on the program, income may be documented with tax returns, bank statements, a profit-and-loss statement, or other records. Receiving 1099 income does not guarantee eligibility or approval.

Programs, requirements, and terms may change. Every application is subject to application, verification, credit review, underwriting, property eligibility, and program availability.

More available paths

The featured programs are only the beginning.

We can also explore other residential, investment, and commercial options. The main page brings together simple explanations of each one.

View all loan programs

Traditional

Conventional · VA · USDA

Income and documentation

ITIN / Tax ID · Bank statements · P&L

Specific needs

DPA · HELOC · Bridge loan · Reverse mortgage

Projects and investment

Construction · Foreign national · LTV Stacking · Commercial · Hard Money

A responsible introduction

How we handle your client introduction.

Share a brief overview

With the client’s authorization, share their goal and preferred contact method without including sensitive information.

I begin the conversation

I listen to their goal, answer initial questions, and explain possible next steps to better understand their financial picture and evaluate a possible path toward preapproval.

We coordinate clearly

With the client’s permission and within privacy limits, I share appropriate transaction milestones.

Let’s build a professional relationship

Have a scenario you would like to discuss?

Let’s talk through what your client hopes to accomplish. There is no need to share documents or confidential information in this first conversation—we can clarify the situation and define the next step together.

Start the conversation

No fee, commission, gift, or other thing of value is offered or paid in exchange for referrals. Any joint activity or co-marketing arrangement requires prior written approval from The Rate Factory LLC dba United Mortgage Plus.