Our Process
What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Client Testimonials
Why we should work together
Michael Y.
Shila was very attentive to our needs, was responsive, and very helpful. Being first time home buyers, we did not know what to expect. Shila was great, in that she walked us through the VA process and was very encouraging! She is great with answering her phone and responding to messages.
Christina and David M.
I was extremely reluctant to move forward but shila ran through the whole process with me and simplified it to a point where it made me really comfortable. I'd definitley recommend her to anyone.
Craig M.
About Shila
HI LIC# HI-8026 | AZ LIC# 0922984 | VA LIC# MLO-5121VA | CO LIC# 100023802 | OR | CA LIC# CA-DOC8026
Reviews
9 Reviews
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12/31/2020
user20578 from Irvine , CA via Zillow
“Shila Charati is a true professional. Thank you so very much for all of your help in securing our loan for our new home here in Great Park, Irvine. You were organized and thorough and professional, as well as the kind which made all of the difference in our interactions with you. We put our trust in you and you most definitely came through for us. Thank you for your patience as well as for treating us as people rather than just home loan customers. You stand above the rest, Shila Charati! Our hats off to you!!"
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03/24/2019
gina from Irvine , CA via Zillow
Shila was extremely helpful, went out of her way to assist us in understanding the process. She was very courteous and understanding. We also closed earlier than expected and she was very helpful in making everything go smoothly. She was always available and even accomdated our hours when we had questions that required lengthy discussions. She was very responsive throughout the entire process, quickly letting us know what was needed and when our documents had been processed. I would highly recommend her.
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07/29/2018
CraigMarinca from Corona , CA via Zillow
I was extremely reluctant to move forward but shila ran through the whole process with me and simplified it to a point where it made me really comfortable. I'd definitley recommend her to anyone.
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07/25/2018
zuser20140523083 from Rancho Santa Margarita , CA via Zillow
Shila was very attentive to our needs, was responsive, and very helpful. Being first time home buyers, we did not know what to expect. Shila was great, in that she walked us through the VA process and was very encouraging! She is great with answering her phone and responding to messages.
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07/24/2018
user9030237 from Riverside , CA via Zillow
She is knowledgeable and honest to work with. She is the person you want to talk with in home buying. She will tell you all your options about anything. And she makes great recommendations for you. I am very glad to have her to guide me in my home buying. Thanks you very much Shila for helping me with my first home.
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12/16/2017
nicoledalkascastrale from Palm Desert , CA via Zillow
Shila was excellent...far exceeded my expectations!!! Very professional, diligent and gets things done. Closed a jumbo loan in 23 days! I would HIGHLY recommend Shila!
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07/04/2017
Roanoke , VA via Zillow
Shila is a true professional. From the very beginning she was very thorough with the information about the process she was going to take to obtain the home loan. She was extremely responsive to any questions that I had. She made this experience enjoyable. I will contact her for all my loans in the future
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06/26/2017
Lake Forest , CA via Zillow
I cannot begin to count how many times I thought about refinancing my home loan but never even got started because it has always seemed to be more headache and trouble than it's worth. I was wrong! Upon my first conversation with Shila, I knew right away her primary objective was to make the process quick and easy. She was always kind and courteous and quick to answer any questions I had right away. My refinance went through smoothly and she helped save me a lot of money. I would recommend anyone to work with Shila! She has truly become my loan consultant for life.
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06/24/2017
Benbrook , TX via Zillow
Shila was extremely helpful, answered all of my questions and made this process simple and easy!! This is the second time I have purchased a home with her help and will use her every time going forward!
Calculators
Calculate your payment
Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.
Use this mortgage loan calculator to generate a mortgage estimate. Press the "Calculate" button to find out.
Use this mortgage loan calculator to generate a savings estimate. Press the "Calculate" button to find out.
Contact Shila
I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.
She is knowledgeable and honest to work with. She is the person you want to talk with in home buying. She will tell you all your options about anything. And she makes great recommendations for you. I am very glad to have her to guide me in my home buying. Thank you very much Shila for helping me with my first home