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Your Path to Homeownership
Starts Here
Welcome to your personalized homebuying journey with
Christy Ervin and Damoris Williams
Your dedicated team for turning the dream of homeownership into reality. Next choose your homeownership path.
Choose Your Homeownership Path
Every homebuying journey begins at a different starting point. Select the path below that best reflects where you are today — and let's take the next step together.
1
Schedule Your Purchase Consultation
If you feel confident about your credit and are ready to talk next steps toward purchasing your home, jump straight into a purchase consultation. After booking your session, please go ahead and complete the mortgage application in Step 2; this helps Damoris build a working file so we can hit the ground running when we meet!
2
Apply for Your Mortgage
While you're scheduling your consultation, go ahead and complete your mortgage application — it won't trigger a hard credit pull. Submitting your application now allows Damoris to build a working file so we're ready to move quickly once we've reviewed your timeline, scores, and goals together. Credit is not pulled until we've had that conversation and decided on the right path forward.
3
Check Your Credit First
If you've never pulled your credit or simply want to see where you stand, start here. Get a clear picture of your credit health before anything else. Make sure to select the Premier Plan $39
4
Get Credit Guidance
If you know credit may be holding you back — or you'd like expert guidance on improving your score — schedule a one-on-one credit consultation with Damoris.
Your Dream Home Is Closer Than You Think
No matter where you're starting from — whether you're building credit, saving for a down payment, or ready to sign — Damoris Williams and her team are ready to walk this journey with you.
Step 1
Buyer's Consultation with your Realtor®
Step 2
Realtor® Referral to connect you to the lender - Damoris with NEXA Lending
Step 3
Choose your Homeownership Path
Step 4
Schedule your consultation with the lender.
Meet Your Homebuying Dream Team
Christy Ervin is a dedicated real estate professional who brings passion and expertise to every client relationship. With a background in customer service and a genuine commitment to helping others achieve their homeownership dreams, Christy has built a reputation for excellence in the Burke and Richmond county market.
Christy's approach is client-centered, focusing on understanding your unique needs and preferences to find the perfect property. Her commitment to transparent communication ensures you're informed at every step of your homebuying journey.
"I believe that buying a home should be an exciting journey, not a stressful process. My goal is to guide my clients with expertise and care, ensuring they find not just a house, but a place they'll truly call home."
Damoris Williams - Your Mortgage Expert
Damoris Williams is a seasoned loan officer committed to making the mortgage process as smooth and transparent as possible. With years of experience in the industry, Damoris specializes in helping first-time homebuyers navigate the complexities of financing their dream home.
She has built a reputation for personalized service, clear communication, and finding innovative solutions to common mortgage challenges. His expertise spans conventional, FHA, VA, and USDA loans, as well as various down payment assistance programs.
"My mission is to transform the often intimidating mortgage process into an educational journey that empowers my clients. When you work with me, you're not just getting a loan – you're gaining a financial partner committed to your long-term success."
How We Guide You Home
1
Initial Assessment
We begin by understanding your current credit situation and homebuying goals to create a personalized roadmap.
2
Credit Review
If needed, we'll help you navigate your credit health and suggest improvements to strengthen your buying position.
3
Purchase Consultation
Explore mortgage options, down payment assistance, and create a strategy tailored to your financial situation.
4
Pre-Approval Process
Get officially pre-approved with detailed fee worksheets and next steps to make your home search confident and focused.
Our collaborative approach ensures you have expert guidance from both real estate and mortgage perspectives at every step of your homebuying journey.
Loan Programs
Whether you're buying your first home, investing in real estate, or exploring options others said weren't possible — Damoris has a program for you. Browse our most popular loan products below. Don't see what you're looking for? Just ask. Damoris will search our full product database to find the right fit.
Conventional Loans
Flexible financing for qualified buyers with solid credit and stable income.
FHA Loans
Government-backed loans with lower down payment requirements — ideal for first-time buyers.
VA Loans
Zero down payment options for veterans, active-duty service members, and eligible spouses.
USDA Loans
100% financing for eligible rural and suburban homebuyers with moderate income.
Down Payment Assistance
Programs designed to help buyers bridge the gap when saving for a down payment is the biggest hurdle.
Bank Statement Loans
Alternative income verification using personal or business bank statements — ideal for self-employed borrowers.
DSCR Loans
Debt Service Coverage Ratio loans for real estate investors — qualify based on property income, not personal income.
Fix & Flip Loans
Short-term financing for investors looking to purchase, renovate, and resell properties for profit.
Construction Loans
Financing for building a new home from the ground up — covering costs from land to final build.
Reverse Mortgages
Allow eligible homeowners 62+ to convert home equity into tax-free funds without monthly mortgage payments.
Commercial Loans
Financing solutions for business properties, mixed-use buildings, and income-producing real estate.
Doctor Loans
Specialized mortgage programs for physicians and medical professionals — often with no PMI and flexible income qualification.
Do You Have Credit Concerns?
Your credit score is one of the most important factors in mortgage qualification. Being proactive about understanding and improving your credit can save you thousands over the life of your loan.
If you have concerns about your credit score or history, we recommend starting with a comprehensive credit assessment before moving forward with your homebuying journey.

We recommend visiting MyFico.com as it provides the same credit scores that mortgage lenders use (FICO Versions 5, 4, and 2). While the Premium membership does have a monthly fee, it gives you complete visibility into how lenders will view your creditworthiness.

Disclaimer: We have no affiliation with MyFico.com. This is merely a suggestion to help you prepare for the mortgage process. Damoris Williams and our team are not credit counselors.
Credit Review Process
Subscribe to MyFico Premium
Sign up for the Premium membership to access your complete credit profile with all three credit bureaus.
Share Your Scores
After subscribing, inform us of your decision and provide your credit scores so we can begin our assessment.
Book Consultation
Schedule a time on Damoris' calendar for a comprehensive review of your credit situation.
Develop Action Plan
Receive personalized guidance on steps to improve your credit score and prepare for mortgage approval.
Before booking your consultation, please acknowledge that Damoris Williams is reviewing your credit specifically for home purchase readiness based on agency guidelines, not as a credit counselor.
Purchase Consultation
If you're confident in your credit standing, our next step is a comprehensive purchase consultation to explore your homebuying options.
During this personalized session, Damoris will discuss:
1
Mortgage programs that match your financial profile
2
Down payment options and assistance programs
3
Your ideal timeline for purchasing
4
Documentation needed for pre-approval
5
Current market conditions and interest rate environment

Credit Pull Fees: $98.50 for individual applications or $133 for joint applications. Credit reports remain valid for 120 days, with at least 45 days needed to complete the loan process.
The Pre-Approval Process
Application Review
We analyze your credit report, income documentation, and financial history to determine your eligibility.
Financial Assessment
We calculate your debt-to-income ratio, available funds, and maximum purchase price range.
Pre-Approval Letter
Receive your official pre-approval letter detailing your qualified loan amount and terms.
Fee Worksheet & Next Steps
Get a detailed breakdown of all costs and a personalized video explaining your path forward.
Our thorough pre-approval process gives you confidence when making offers and helps streamline your eventual closing process. Your pre-approval is backed by actual underwriting guidelines, not just a quick estimate.
What Not To Do During Your Home Purchase
Avoid New Credit Applications
Don't apply for new credit cards, auto loans, or other financing. Each application can lower your credit score and change your debt-to-income ratio.
Don't Make Large Deposits
Unexplained large deposits will require documentation of their source. Avoid cash deposits that can't be traced.
Don't Change Employment
Switching jobs during your mortgage process can delay or derail your approval. Lenders want to see stability in your income.
Avoid Large Purchases
Hold off on buying furniture or appliances on credit until after closing. These purchases affect your debt-to-income ratio.
Don't Move Money Around
Keep your funds in one place. Moving money between accounts creates a paper trail nightmare that can delay your approval.
Don't Co-Sign Loans
Co-signing makes you legally responsible for someone else's debt, which counts against your debt-to-income ratio.
Mortgage Glossary: Key Terms Explained
Pre-Qualification vs. Pre-Approval
Pre-Qualification: An informal estimate of how much you might be able to borrow based on self-reported information.
Pre-Approval: A formal commitment from a lender based on verified documentation, credit check, and underwriting review.
Debt-to-Income Ratio (DTI)
The percentage of your gross monthly income that goes toward paying debts. Lenders typically prefer a DTI of 43% or less, including your new mortgage payment.
Loan-to-Value Ratio (LTV)
The relationship between the loan amount and the home's value, expressed as a percentage. Lower LTV ratios typically qualify for better loan terms.
Closing Costs
Fees and expenses paid at closing, typically 2-5% of the loan amount. These include lender fees, title insurance, appraisal, and prepaid expenses like property taxes and homeowners insurance.
Escrow Account
An account managed by your lender to pay property taxes and insurance premiums. A portion of your monthly mortgage payment goes into this account.
Private Mortgage Insurance (PMI)
Insurance required for conventional loans when the down payment is less than 20%. It protects the lender if you default on your loan and typically costs between 0.5% and 1% of the loan amount annually.
Interest Rate
The cost of borrowing money, expressed as a percentage of the loan amount. This determines how much extra you'll pay on top of the principal.
Principal
The original amount of money borrowed, or the remaining balance of the loan, on which interest is calculated. Each payment reduces this amount over time.
Amortization
The process of paying off a debt over time in regular installments, where each payment includes both principal and interest. Early payments lean more towards interest, later ones toward principal.
Fixed-Rate Mortgage
A mortgage with an interest rate that remains the same throughout the life of the loan. This provides predictable monthly payments, making budgeting easier.
Adjustable-Rate Mortgage (ARM)
A mortgage with an interest rate that may change periodically, typically in relation to an index. This can cause your monthly payments to fluctuate.
Underwriting
The detailed process a lender uses to determine if a borrower is eligible for a loan. It involves assessing your creditworthiness, income, assets, and the property itself.
Frequently Asked Questions
How long does the pre-approval process take?
Typically, our pre-approval process takes 1-2 business days once we have All your documentation. For clients with more complex financial situations, it may take up to 5 business days.
What documents will I need for pre-approval?
You'll need: recent pay stubs, W-2s for the past two years, tax returns for the past two years, bank statements for the past two months, photo ID, and documentation for any other income sources or significant assets.
What credit score do I need to qualify?
Minimum credit score requirements vary by loan type: FHA loans typically require 580+, conventional loans 620+, and VA loans 620+. However, higher scores qualify you for better interest rates and terms. We also have programs under 580, that may require a larger down payment. Each scenario is different and we dig in to find one that works for you and your family.
Are there programs for first-time homebuyers?
Yes, there are numerous programs offering down payment assistance, reduced interest rates, or tax benefits for first-time homebuyers. We'll explore all options during your consultation to find programs you qualify for.
One of Our Preferred Certified Financial Consultants
ABOUT FRANCESCA COLBERT
COLBERTSON CONSULTATIONS, LLC
I’m a Certified Wealth Educator I’ve been in business 8+ years We specialize in:
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Join our Private Homebuyer's Tribe Facebook Group
This group is your guide before the journey begins. Whether you're a first-time buyer or planning your next move, we're here to help you feel prepared, informed, and confident, long before you fill out an application or start touring homes.
We’ll walk you through the steps to get mortgage-ready, explain how the homebuying process actually works, and answer the questions you might not even know to ask yet.
Scan the QR Code below.
See you on the inside!!!
The Damoris Williams Loan Team
Damoris Williams
Mortgage Loan Originator, NMLS# 149521
NEXA Lending, LLC
Lic. AZBK #2006218 | NMLS#1660690
📧 damoriswilliams@nexalending.com
🌐 getapprovedwithdamoris.com
📞 470-526-4988
Ann Buna
Loan Officer Assistant - Damoris Williams Loan Team
📧 abuna@nexalending.com
📞 470-470-5060
5559 S. Sossaman Rd. Bldg. 1 #101
Mesa, AZ 85212

All approvals are subject to underwriting guidelines. This is not a commitment to make a loan. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice.

©2025 NEXA Lending LLC. Lic. AZBK #2006218 / NMLS#1660690
5559 S. Sossaman Rd. Bldg. 1 #101, Mesa, AZ 85212
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