1Rate 6.750% with an APR of 6.890% as of 7/18/2025 2:42 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of $1,557. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
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Before you go
Missy Miranda
Sr. Loan Advisor NMLS ID: 1810163
Victorville, CA 92395
If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.
After moving to the high desert in 1992, I developed a passion for serving this community. Prior to entering the lending business, I built my career in sales, earning a robust client base by genuinely appreciating each client's unique situation and prioritizing their satisfaction in everything I do.
In 2018, I transitioned into the lending business, where I learned and mastered the multitude of loan programs available to ensure my clients receive the best fit and value when purchasing, refinancing, or obtaining a construction loan to build a new home.
Treating my over 1,400 clients like family is the cornerstone of my business, and repeat and referral business are the result. In every interaction, I strive to treat each client in the manner I would want to be treated. After all, navigating the real estate purchase process is complex and not an everyday occurrence for most people.
For prospective clients, you can expect that my responsiveness, care, and attention to your personal goals will be unparalleled. Moreover, I pride myself on being available to address my clients' questions, ideas, and planning needs, even when a home loan isn't in their immediate future. Sometimes it helps to just talk it out!
Whether you are a first-time homebuyer, a real estate agent seeking a consistent resource, a person looking for a cash-out refinance, or an experienced homebuyer looking to expand, I will take the care and attention to ensure consistency throughout the process.
I look forward to making each of your dreams of homeownership a reality. Call, text, email, or message me anytime for consistent communication throughout the home-buying process. It’s the best path to getting offers accepted and closing ahead of schedule.
Mortgage Specialization
- Construction Loans
- FHA Government Loans
- First-Time Home Buyer Programs
- Fixed-Rate Mortgages
- Investment Property Loans
- Jumbo Loans
- Low-to-Moderate Income Lending Program
- Pre-Qualifications
- Professional Loans
- Second Homes
- USDA Rural Housing
- VA Government Loans
- Home Equity Lines of Credit
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Today's Rate
| Mortgage | Rate | APR |
|---|---|---|
| 30-Year Fixed | 6.750% | 6.890% 1 |
| 15-Year Fixed | 5.750% | 5.972% 2 |
| FHA 30-Year Fixed | 5.875% | 6.755% 3 |
2Rate 5.750% with an APR of 5.972% as of 7/18/2025 2:42 PM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,993. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
3Rate 5.875% with an APR of 6.755% as of 7/18/2025 2:42 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, estimated points of 1% of the loan amount, and origination fee of $1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,445. Payment amount does not include taxes and insurance, which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums, and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, and lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
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Sr. Loan Advisor NMLS ID: 1810163
Victorville, CA 92395
Let's do the math (the easy way).
Use our home loan calculators to break down the costs of buying a new home. How does a higher or lower down payment affect your monthly payment? Should you get a fixed or adjustable rate mortgage? Play around with different scenarios so you can make informed decisions about your home loan.
So, how does getting a mortgage work?
Buying a home is a big deal, and there are many ways to finance it. Understanding the basics of a home loan will get things off to a great start. Learn about the steps in the process, the paperwork you'll need, and what makes up your monthly payment.
