I'm Enjoli. Your Senior Mortgage Broker
Enjoli Black
Senior Mortgage Broker
Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.
What my clients say...
5/5
5 reviews
Lachysha H.
I wholeheartedly recommend Enjoli who helped my clients purchase their dream home. With her exceptional expertise and responsiveness, the mortgage process was a breeze. She navigated various loan options, securing the best terms and patiently addressed all my clients questions. Her professionalism and commitment to excellence made the home buying experience smooth and stress-free. I am grateful for her invaluable support and highly recommend her to anyone in need of a dedicated and knowledgeable loan officer. Thank you for making my clients' dreams a reality!
Recommendation
Jul 21, 2023
Orrlando M.
Enjoli is the consummate professional, and very good at her craft. Throughout the entire process she kept me appraised, and in the loop. She was a pleasure to work with, and is an expert in the real estate industry. I highly recommend Enjoli for all of your real estate needs. I will definitely use Enjoli again in the future. Enjoli easily gets 5 stars!
Recommendation
Apr 07, 2023
Stuart C.
Enjoli and her team always come through. If you are a real estate professional that needs a mortgage professional, look no further. With an array of products to support any potential clients needs, she will come through for you. I have partnered with Enjoli and her team for many years now and every transaction has been a success! Thank you Enjoli!
Recommendation
Mar 29, 2023
Victor A.
Enjoli was there with us 100% of the time. It was clear by her words and actions that she was there to help us. She was prompt, knowledgeable, timely, patient, and reassuring!
She provided us with customized loan options and showed us the good, the bad, and the ugly of all of them. Thanks to her we have no doubt that we made the best decision of your specific situation.
Recommendation
Feb 19, 2023
Danielle C.
Working with Enjoli was nothing short of a pleasure. Not only is she knowledgeable but very personable and she did not cease to comfort the clients throughout the entire transaction. As a realtor I rely so heavily on good communication with the mortgage brokers and she did not disappoint. Will refer as many clients as I can knowing the service she provides to them. Looking forward to much more business together!
Recommendation
Mar 25, 2022
The answers to all your mortgage questions...
Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
Ready To Start Your Homeownership Journey?
Starting your road to homeownership is literally a click away. Start today!
Enjoli Black
Senior Mortgage Broker
