I'm Enjoli. Your Senior Mortgage Broker

Enjoli Black
Senior Mortgage Broker
NMLS: 242838

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

There are a lot of loan options – let’s find the right one for you.

Whether you're looking to buy, refinance, or grow your real estate portfolio, we've got you covered with the right loan products to fit your needs.

Conventional Loans
FHA Loans
Jumbo Loans
USDA Home Loans
VA Loans (Veterans Affairs)
Additional Loan Programs

Where Can We Help You Thrive?

Are you looking to buy your first home? Need help managing your mortgage payment? Trying to figure out how to afford that renovation? Whatever your situation, we've got the answers.

What my clients say...

5/5
5 reviews
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CARLOS S.
First, I just wanna say this one delivers!! Working with Enjoli What a great smooth experience. She’s very knowledgeable and delivers on her loans. She was always ahead of the game and communicated the whole time. Definitely look forward to working with her again.
Recommendation
Apr 26, 2024
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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! ***Round 2…I teamed up with Enjoli again to refinance my home. Throughout the entire process, Enjoli and her team were amazing. She made the entire process seamless and easy for me to process. I trust her with all of my Real estate needs. Simply put, Enjoli is the “Gold Standard” in the real estate community. She has my highest recommendation.
Recommendation
Mar 23, 2024
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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
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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
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Spencer
Enjoli went way above and beyond to deliver exemplary service for us during our home buying process. Being our first time getting a home, we knew very little about getting a mortgage. Enjoli took the time to explain to us everything, and answered every question we had, and proactively shared each next step throughout the process. Her communication was on point, getting the loan approved was very smooth. Furthermore, she is able to get the loan approved quickly, which made our offers more competitive. Hiring her is the best choice you can make when buying a home.
Recommendation
Mar 17, 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
NMLS: 242838