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

mortgage broker

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:

  • 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


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.

What Client Say About Us