How Can Savvy Mortgage
Services Assist You?
WELCOME TO SAVVY MORTGAGE SERVICES
At Savvy Mortgage Services, we take the time to understand your unique financial goals and circumstances. Every client is different, and that’s exactly how we approach each loan with care, attention, and solutions tailored specifically to you.
Instead of relying on rigid, formulaic lending models, we use a common-sense approach to find the loan that best fits your needs. With access to a broad network of over 100 trusted lending partners, from top-rated national institutions to private lenders, we’re able to offer a wide range of competitive loan options.
Our programs include 30-year, 20-year, 15-year, and 10-year fixed mortgages, as well as adjustable-rate mortgages (ARMs) with 1-, 3-, and 5-year terms. We also provide solutions for conventional loans, jumbo loans, VA loans and home equity lines
No matter your situation, whether you’re self-employed, foreign national purchasing an investment property, or financing a multi-family unit, we’re here to guide you through the process with professionalism, transparency, and a commitment to helping you succeed.
Let’s start building your path to homeownership today. Give us a call and experience the difference of working with a team that truly puts your goals first.
HOW MUCH DO YOU QUALIFY FOR ?
Trusted. Experienced. Secure
How We Can Help Buy Your Dream House
Get Pre-Qualified
We can get you prequalified online so you can make an offer with confidence that it will get accepted.
Benefits
- Get Your Offer Accepted
- Know Your Buying Range
Shop For Best Rate
We will use our network of lenders to shop for the best rates and loan program to fit your needs.
Benefits
- Shop Multiple Lenders
- Lower rates, Lower Payments
Fast Funding
Our team will use our expertise to make sure your loan gets funded fast! We make funding a breeze.
Benefits
- Hassle Free Funding
- Get Your Dream House
The Savvy Mortgage Inc.
At Savvy Mortgage Services, we are committed to guiding you through the home financing process with ease and confidence. With years of experience and a passion for making homeownership achievable, we provide customized mortgage solutions tailored to your unique needs.
Purchase
Helping first-time homebuyers navigate the process with personalized mortgage solutions.
Refinance
Reduce your monthly payments or get better loan terms with our refinancing solutions.
Contact Us
Secure funding for your property investment projects with our fix-and-flip loan programs.
Loan Programs
At Savvy Mortgage Services, we can assist you in purchasing a home, lowering your monthly payments, accessing cash, or consolidating debt.
Mortgage rates fluctuate frequently—reach out to a professional today!
Testimonials
Expert Mortgage
Hello, I’m Ximena Méndez.
With over 25 years of experience in the finance industry and the last 12 years dedicated specifically to mortgage brokering. I’ve had the privilege of helping hundreds of individuals and families achieve their dream of homeownership.
Throughout my career, I’ve developed the expertise to structure loans strategically, which often leads to smoother and faster approvals. I pride myself on being solution-driven and maintaining open, honest communication every step of the way.
Outside of work, I’m an animal and nature lover who enjoys spending time outdoors, whether it’s hiking, gardening, picnicking, or boating. I believe that balance, authenticity, and connection are just as important in life as they are in business.
Whether you’re buying your first home, investing in property, or exploring refinancing options, I’m here to guide you with clarity, care, and commitment. Let’s find the right path forward — together.
Ximena Mendez
Mortgage Specialist
NMLS # 1245299
Scan this code to call Ximena Mendez
The Savvy Mortgage Services Advantage
Local Knowledge
We know the area and the market and we're part of your community, not a bot on the net 🙂
Fast Processing
We work to close your loan as quickly as possible. We can even hit curveballs!
Best Service
We offer a hybrid approach of new technology to speed closing and old fashioned customer service and communication.
Utilizing Technology
We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!
Latest Blog Posts
What Is A Balloon Mortgage?
17Feb 2025 A balloon mortgage is a unique type of non-qualified (non-QM) home loan that offers lower monthly payments upfront but requires a large lump sum—known as a balloon payment—at the end of the loan term. Typically structured for five, seven, or ten years, balloon mortgages are appealing to those
Rate Watch – Rates Dip
27Feb 2025 Mortgage rates edged lower recently, with the average 30-year fixed rate now hovering around 6.84 percent—down from around 7.0 percent just a short time ago. This slight drop marks one of the lowest levels seen in recent months, creating an opportune moment for buyers and those looking to
Power Up Your Down Payment Plan
04Mar 2025 Saving for a down payment can sometimes feel like a constant uphill climb. Between rising home prices, elevated interest rates, and every day financial demands, it’s easy to see why many would-be buyers feel stuck. Even with careful budgeting, unexpected costs and competing priorities can easily derail the
