From Dream Homes to Refinanced Loans,
Mija Makes Mortgages Easy
Whether you’re buying a new home for your family or have questions about the lending process, Mija Mortgage is here to help.
Do I Qualify?
To determine if you qualify for a mortgage, we will review your total monthly debt (proposed housing payment + regular monthly debt) as a percentage of your total gross monthly income. The acceptable percentage (DTI) will vary depending upon the specific loan program for which you apply.
Why a VA Loan?
If you’re a military veteran or still in active service, you may qualify for a U.S. Department of Veterans Affairs (VA) loan. These often require no down payment and have lower closing costs, which can help keep your savings secure.
Why Refinance?
Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length or terms of your mortgage. You can also refinance to take cash out from your home’s equity for projects or enhancements to your home.
For skilled mortgage shopping services, call our team at
A Mortgage Broker You Can Count On
There’s no feeling quite like owning a home – it provides safety for your family, builds fiscal wealth, and provides mental security. But getting a mortgage can be a huge hassle, making the American dream difficult to obtain and afford. That’s where Mija Mortgage steps in to handle the heavy work.
In an industry known for constant change, Mija is the team you can count on for superior communication and competitive rates. Having worked with clients of all backgrounds, we know you’re dealing with a range of emotions right now. But with Mija by your side, your mortgage process is simplified. Our primary goal is to help you choose the right mortgage for your family and your budget, so you can rest easy knowing you made an informed decision.
We could say that our mission is to exceed your expectations, but we’d rather just show you. Clients choose Mija Mortgage because we:
In an industry known for constant change, Mija is the team you can count on for superior communication and competitive rates. Having worked with clients of all backgrounds, we know you’re dealing with a range of emotions right now. But with Mija by your side, your mortgage process is simplified. Our primary goal is to help you choose the right mortgage for your family and your budget, so you can rest easy knowing you made an informed decision.
We could say that our mission is to exceed your expectations, but we’d rather just show you. Clients choose Mija Mortgage because we:
- Have Access to the Best Rates
- Prioritize Client Communication
- Focus on Your Unique Situation
- Can Help You Spend Less Out-of-Pocket
- Have No Origination Fees
- Do NOT Work for the Bank
- Do NOT Charge Points
Introducing A Better Way
TO GET A HOME LOAN
The Difference Between Conventional & FHA Loans
While both loan types allow consumers to finance the purchase of a home, there are several key differences that separate the two. Conventional loans are generally used for those with low levels of debt and established credit. With conventional mortgages, these loans are offered by private mortgage lenders such as banks and credit unions. On the contrary, FHA loans are accessible for low-to-moderate-income borrowers with a poor credit history or limited savings. With these FHA loans, lower down payments of 3-5% are required and are granted through FHA-approved lenders.
What Do I Need to Get Pre-Approved for a Home Loan?
- 2 years of W2 forms
- 30 days of pay stubs
- 60 days of bank statements
- Driver’s license
A Loan Option for Our Service Members
Debbie Haberny is the broker owner of Mija Mortgage and is a proud Vetted VA Professional. Our goal is to make the Veterans mortgage process easier, providing tools and knowledge to guide you along the way. Basing our knowledge on the VA Handbook in addition to our expertise in this field. The Mija team will show you the options and opportunities that are available to you with your VA benefits, as well as connecting you with qualified lenders and resources to ensure your VA Loan process is a smooth one.
mortgage lender for Marina Lutter
★★★★★
It was such a pleasure work with Debbie! She was so detailed oriented, listened everything we have to say and applied to our needs. We highly recommend to use Debbie for your mortgage need, you will be not disappointed!!!
mortgage broker for Maribel Herrera
★★★★★
(Translated by Google) Excellent work. He helped me a lot in everything. Very professional in all the steps to follow. I was very happy with the help you gave me to get my beautiful house ???? (Original) Excelente trabajo. Me ayudo muchísimo en todo. Muy profesional en todos los pasos a seguir. Quedé muy contenta con la ayuda que me brindo para obtener mi hermosa casa ????
mortgage company for Shannon Bruton
★★★★★
Debbie was so great to work with!
mortgage lending service for Christine Pieck
★★★★★
Mija Mortgage provided us with timely and excellent customer centered service. We felt valued as their clients. Would highly recommend!
refinancing for kevin walker-porcher
★★★★★
Awesome to work with!!!
refinances for Kyle Alms
★★★★★
She is awesome! The easiest and most painless process I’ve had when buying a home, especially when coming from out of state. She was always prompt and very helpful. She was on top of everything and always there whenever I had a question. I highly recommend her. I will certainly be using her again when I purchase my next home.
cash out refinance for Dawn Gerise
★★★★★
Great experience and attention to detail ???? smooth process
rate and term refinance for Mike Panettieri
★★★★★
Debbie has been a pleasure to work with throughout the whole home buying process. I am a first time homebuyer from out of state and I couldn’t have done it so smoothly without Debbie. She was able to answer any question I had along the way at anytime. I recommend having Debbie assist you on your next home purchase!
mortgage underwriter for Ana Lima (Mary Kay Portugal)
★★★★★
We are so happy in our new place. Debbie is an excellent professional. I highly recommend her. She made our dream become true. Even though the process off pushing a house could be stressful, everything went smoothly we her help. Thank you Debbie ???? ????
mortgage banker for Robert Salyer
★★★★★
Debbie was great! Had a friend who needed a mortgage in North Carolina for a new home purchase and Debbie was able to provide him with several options to save money! Would highly recommend!
conventional mortgage for RK Patr
★★★★★
Debbie helped me out so much and has been a great resource!
FHA mortgages for Dennis Farrar
★★★★★
Debbie is an absolutely amazing loan officer. Her attention to detail is impeccable and she has so many resources at her disposal. I can’t tell you how much I appreciate her and the work she does.
Va mortgages for Sheila Monahan
★★★★★
I am a real estate agent and have sent many buyers to Debbie, she does a great job, closing on time or earlier, no added fee which saves my buyers money. Great lender!!!
USDA mortgages for Ray Searan
★★★★★
Debbie and her team are absolutely amazing! First class! Top notch! The best of the best!
HomeReady mortgages for Melissa Koester
★★★★★
Debbie was amazing to work with. The communication was on point and I love that she was able to help my Spanish speaking clients. If you need a mortgage loan, then you need her! I look forward to continue working with her and her team.
home ready mortgages for brent taylor
★★★★★
I felt so comfortable with Debbie during this process. I felt like she always had my back, and had my best interest at heart. She always answered every question, and put my worries at ease. These past few years have been hard for everyone, but Debbie is one of those rare individuals that make the world a better place. She certainly did for me, and my family. We can't thank her enough!
freddie mac mortgages for Jessika Motta
★★★★★
Debbie has been such a great help throughout the whole process of a refinance. Every step of the way she was available for questions and went above and beyond to help in any way possible. I would definitely recommend her for any home lending services. Thank you so much!
fannie mac mortgages for Joan Williams
★★★★★
Thanks to you Debbie I now own a home, you were the light at the end of the tunnel in my darkest hours., you turn my doubts & fears into a dream come true, Because of you i got my keys., You are truely the BEST.
invest mortgages for diana coellog
★★★★★
(Translated by Google) Miss Debbie's attention throughout my process was excellent, she was always available, clarifying all my doubts and helping me find the best options in my case. Always with kindness, patience and concern that I get the best solution. My whole process was better thanks to your work and dedication. (Original) La atención de la señorita Debbie en todo mi proceso fue excelente, siempre estuvo disponible, aclarando todas mis dudas y ayudándome a buscar las mejores opciones en mi caso. Siempre con amabilidad, paciencia y preocupación de que yo obtuviera la mejor solución. Todo mi proceso fue mejor Gracias a su trabajo y dedicación.
home loans for Patrick Duncan
★★★★★
She was on top of everything and kept me in the know of what's going on
va loans for Kimberly Bonilla
★★★★★
Recommend 100%, Debbie gave her all to make all the process easier and make it happen. She was always very honest, attentive and helped us understand the whole process. Thanks to her today I hold the keys of my new house! Thank you Debbie
va home loans for Toi Bowie
★★★★★
I had a wonderful experience working with Debbie. She was recommended by a friend who told me she was the best and she did not disappoint. After getting her my finically records, she was able to give me a pre approval number within a day or two. Did I mention this was during the Christmas holiday? I appreciated her for her quick responses and additional help in recommending others, since I am new to the area. Add me to the list of folks that highly recommends her for your mortgage lending needs.