Denise is a skilled mortgage professional with nearly 40 years of experience in the industry. As a Fresno native, Denise has extensive knowledge of the local area. She has owned her own mortgage and real estate business for more than 10 years, serving as a mortgage loan specialist over 38 years. Her vast knowledge allows her to assist her clients with every step of the mortgage process and make recommendations to best fit their specific needs. She is knowledgeable in all aspects of the home lending process, specializing in helping first-me home buyers with leveraging down payment assistance programs.
We offer residential mortgage loans, land and construction loans, government-backed loans, custom portfolio loans for unique situations. We also make available a variety of programs for low and moderate income borrowers.
Yes! We offer down payment assistance programs and affordable mortgage programs for homebuyers who qualify, including the CalHFA Down Payment Assistance Program, the Workforce Initiative Subsidy for Homeownership (WISH) First-Time Homebuyer Program, Fannie Mae's HomeReady Mortgage, Freddie Mac Home Possible®, FHA Loans, VA Loans, and USDA Home Loans.
Yes! Refinancing your mortgage with Tri Counties Bank could reduce your mortgage payment, help you pay off your loan faster, consolidate debt, or free up cash at a lower fixed rate.
Turn your home's equity into cash! Use your Home Equity Line of Credit continuously, up to your available credit limit, for a variety of purposes including home improvements, education expenses and more.
