A cozy living room with a white armchair, beige sofa, and a round marble coffee table on a cream rug. Decor includes pillows, a throw blanket, a vase with pampas grass, a woven basket, a tall floor lamp, and round wall mirrors, creating a warm, minimalist atmosphere.

Expert tips and tricks to help you acheive your financial goals

Sheryl’s Tips & FAQs

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Sheryl Verdugo Sheryl Verdugo

What Is Debt Restructuring?

Restructuring debt doesn’t mean running from responsibility, rather it means optimizing the means to pay it off sooner with peace of mind.

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FAQs

Have a question we didn’t answer here? Shoot us a message or book a call with Sheryl to get your personal questions answered!

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  • Choosing the right mortgage depends on your financial situation, long-term goals, and comfort level with monthly payments. We take the time to understand your story—then walk you through your options with clarity and care.

    • Pre-qualification is a quick estimate based on basic financial info.

    • Pre-approval is more in-depth and involves verifying your income, credit, and assets.

    Pre-approval gives you stronger buying power and shows sellers you’re serious. Think of it as your financial green light.

  • Typically, the process takes 30 to 45 days, but it can vary based on your loan type and how quickly documents are submitted. We keep things moving smoothly and communicate every step so you’re never left wondering what’s next and we work all hours needed to make sure your loan closes on time!

  • Yes, you can. We work with a variety of lenders and loan programs designed to support buyers with different credit profiles. Our goal is to help you move forward—not judge your past. Let’s explore your options and build a plan that works for you.