© 2017, Ida's Direct Mortgage, All Rights Reserved.

Equal Housing Lender | NMLS# 264840

Licensed by the Department of Business Oversight under
the CA Residential Mortgage Lending Act 

Ida's Direct Mortgage

140 North J Street

Tulare, California 92374

(559) 687-1700

V I S I T   U S

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Caroline Munoz

SPANISH SPEAKING LOAN OFFICER
NMLS #1439880
CONTACT ME:
cmunoz@idasdirectmortgage.com
Direct: (559) 687-1700 
Cell: (559) 358-0594

My commitment to you is. . . I am personally responsible for your loan. . .

- Financial analysis, underwriting, approval, document drawing and funding of your loan.

- Communicate in a timely and prompt manner

- Deliver documents without delay

- Anticipate complications and take proactive steps to avoid those problems

- Oversee the loan application process thoroughly and competently

- Meet crucial deadlines

JANICE R.

WHAT MY CUSTOMERS ARE SAYING >

ABOUT ME

A little bit about myself, I was born and raised in Tulare County in a large family; my parents instilled strict core values in their 12 children: Love of God, family and Country; moral values such as Integrity, self respect, accountability and a strong work ethic. 

 

I had a 25 year career in Banking, and was ready to broaden my financial and sales skills. In 1995, I was fortunate to go to work for a local mortgage company, I found a new passion and I loved what I was doing.  I wanted to become the best I could be; after 6 years in lending, my life’s path would lead me to obtain my Real Estate License in 2000.  Prior to Real Estate sales, I went to work for the Title and Escrow industry as a Business Development Officer and later as a Sales Manager.  The education I received was beneficial to my life’s plan. My personal goal was to learn as much of the Real Estate industry from all aspects involved in a transaction.  I believe my experience with these three entities helped me to provide the best service I could. I enjoy being of service to the Public, developing relationships and networking with real estate professionals. 

 

My passion was always in Mortgage Lending; there is no deeper satisfaction than playing a positive part in someone’s dream of home ownership.  Every American should have an opportunity to live the American Dream.  I take personal pride and pleasure in being a part of making dreams a reality.  Helping prospective homebuyers understand the process through clear and concise communication.  Discussing their needs and reviewing various options for them to consider and decide what type of loan is most beneficial for them.  In my interview we discuss the initial out of pocket investment, sufficient assets to cover the lender fees and costs associated with processing loan and any additional factors that will determine their ability to apply for a mortgage loan and complete the terms of that loan. My responsibility as a licensed mortgage originator is to help provide them with the security and understanding of what their buying power is and what they can comfortably afford.

 

Relationships do not end after Close of Escrow.  Many clients are repeat borrowers and provide a strong referral base, “a referral is the best compliment one can give”. If you are considering, buying or refinancing your home I invite you to contact me and let me help you achieve your dream.

HAVE YOU WORKED WITH ME BEFORE?

My business thrives on referrals and reviews,

please take a moment to review me on one of the following sites!