Buying a home
Understand the payment, cash-to-close, loan choices, and next steps before you begin making offers.
Plan my home purchase →North Carolina mortgage guidance
Clear guidance.
Confident decisions.
Buying, refinancing, building, or investing? I help you understand the numbers, evaluate your options, and know what to expect before you make a major financial decision.
Erika FonsecaMortgage Loan Originator · NMLS #2679761
Serving qualified borrowers throughout North Carolina
Meet Erika
A mortgage should make sense before you sign for it.
I'm Erika Fonseca—the mortgage professional behind Your Home With Erika. My approach combines an extensive finance background, an MBA from Penn State, and more than a decade of personal real estate investing experience.
I explain the options, review the details, communicate consistently, and solve problems quickly. You receive the information you need to make a confident decision—not a sales pitch designed to pressure you into one.
Start where you are
How can I help?
Investing in real estate
Evaluate the financing with someone who has personally owned, renovated, and managed investment property for more than a decade.
Discuss an investment scenario →Already preapproved
Get a second opinion on the structure, documentation, estimated costs, and possible weaknesses before they become transaction problems.
Request a second opinion →Realtor partner
Give your clients carefully reviewed preapprovals, direct communication, and dependable updates from application through closing.
Partner with Erika →Mortgage options
Built around the full picture.
The right mortgage depends on the borrower, the property, and the goal.
ConventionalFHAVAUSDAFirst-time buyersBank statementDSCRInvestment propertyConstructionRenovationRefinancing
Loan availability and eligibility depend on individual circumstances, lender guidelines, property eligibility, and applicable program requirements.
The process
Clear from the first conversation through closing.
Start with a real conversation
We discuss your plans, timing, questions, and financial picture by phone or Google Meet.
Review the full file
I review the relevant income, asset, credit, and property documentation—not just an automated result.
Build the strategy
We compare realistic options, cash-to-close, payment considerations, documentation, and tradeoffs.
Communicate through closing
Once you are under contract, I provide weekly updates and work urgent issues when they actually need attention.
For Realtor partners
A financing partner who helps protect the relationship.
When you refer a client, you should not have to chase the lender for answers. My goal is to help your buyer understand the financing, strengthen the offer with a thoroughly reviewed preapproval, and keep the appropriate parties informed.
- Carefully reviewed preapprovals
- Fast, direct responses
- Weekly transaction updates
- Practical problem-solving before closing
Client and partner feedback
Trusted when the details matter.
★★★★★“Professional, proactive, and an absolute pleasure to collaborate with.”
★★★★★“Her experience and knowledge truly show through in every step of the process.”
★★★★★“Her responsiveness and clarity build confidence, especially for first-time homebuyers.”
Straight answers
Questions people actually ask.
Do I need 20% down?+
No. Some qualified buyers may have options requiring considerably less, and certain programs may allow very low or no down payment. The right answer depends on your eligibility, the property, and the program requirements.
Why do I need a preapproval before shopping?+
A carefully reviewed preapproval helps you understand a realistic price range, estimated payment, cash-to-close, and documentation requirements. It can also help your Realtor write a stronger offer.
I already received an online preapproval. Why get a second opinion?+
An automated approval can be a useful starting point, but it may not reflect a detailed review of your documents or the full scenario. A second opinion can uncover questions before they affect an offer or closing.
When will mortgage rates go back to 2020 levels?+
The historically low rates of 2020 and 2021 should not be treated as a normal benchmark or a promised destination. We can evaluate whether today's payment, costs, and ownership plan make sense for you now.
Do you work throughout North Carolina?+
Yes. I am licensed as a Mortgage Loan Originator in North Carolina and work with qualified borrowers throughout the state. Initial meetings can be handled by phone or Google Meet.
Your next step
Let's make the numbers make sense.
Ready to move forward? Start with a secure application so I can review the real numbers.