sortega@houseloan.com
505-795-1929
Sharla Ortega
Buying a home or exploring a refinance? Connect with Sharla to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Sharla
My goal is to get to know you and find the right loan for your needs. From our first conversation to closing day and beyond, you can expect a clearer, simpler, and more connected financing experience.
You deserve a mortgage professional who has your best interests at heart. That's exactly what you'll get here.
What clients say about Sharla
Although I wasn’t able to be with my husband because having prior commitments. All went smoothly and are very satisfied with Sharla Ortega.
Sharla was awesome, she got me a better rate than previously predicted. She made the house buying process easier and understandable for a first time home buyer.
I had a fantastic experience working with Sharla Ortega! She was professional, knowledgeable, responsive, and genuinely cared about making the entire process as smooth and stress-free as possible. Sharla took the time to answer all my questions, explain everything clearly, and kept me informed every step of the way. Her attention to detail, communication, and dedication really stood out. I always felt like I was in good hands and that she had my best interests in mind. I would absolutely recommend Sharla Ortega to anyone looking for a trustworthy and knowledgeable mortgage lender. Thank you, Sharla, for making such an important process a great experience!
Thank you Sharla and team for helping and guiding us through such an important milestone that is buying our first home! We are so grateful and definitely recommend Sharla and her team to anyone who is interested in starting their home buying process 😁
This is the second time I’ve worked with Sharla, and I couldn’t be happier with the experience. Both times she helped me purchase a home using my VA loan with no money down. She truly knows the VA loan process inside and out and made everything as smooth and stress free as possible. She was always available to answer my questions, kept me informed every step of the way, and fought to make sure everything stayed on track. If you’re a veteran looking to buy a home, I can’t recommend Sharla and her team enough. Thank you again for making homeownership possible!
Sharla was an absolute pleasure to work with. She helped us at every turn always making sure we were aware of and understood the entire home buying process. Her and her team are fast, responsive, and reliable assets to anyone buying a home!
Sharla was absolutely amazing throughout the entire mortgage process. She was professional, knowledgeable, and always available to answer any questions I had. She made everything smooth and stress-free, explaining each step clearly and keeping me updated the whole time. Her communication and dedication truly stood out, and I felt confident knowing she was handling everything. I highly recommend Sharla to anyone looking for a trustworthy and hardworking mortgage loan advisor!
Sharla went above and beyond in every way. They worked tirelessly to get me the best rate possible and made sure everything stayed on track for closing. Their attention to detail and dedication really stood out. I felt supported the entire time and truly appreciated their hard work. Highly recommend!
My clients and I appreciate working with Sharla! She is excellent with communication and finds the best programing available for each buyers unique situation. Highly recommend!
Sharla Ortega helped with the sale of my condo, and I truly had an excellent experience working with her. She was professional, knowledgeable, responsive, and incredibly helpful throughout the entire process. She was always quick to answer questions, explain things clearly, and make sure I felt informed and comfortable every step of the way. Not only is she very knowledgeable, but she is also kind, patient, and genuinely cares about her clients. She made what can sometimes be a stressful process feel much smoother and easier to navigate. I always felt supported and knew I was in good hands. I would highly recommend Sharla to anyone looking for a lender who is trustworthy, attentive, hardworking, and truly dedicated to helping her clients succeed.
Working with Sharla was truly such an amazing experience from start to finish. She made the entire home-buying process feel smooth, stress-free, and exciting. Thanks to her guidance, patience, and dedication, I was able to find and purchase my dream home. She was always available to answer my questions, kept me informed every step of the way, and genuinely cared about helping me reach this milestone. I’m beyond grateful for all of her hard work and highly recommend her to anyone looking for a trustworthy and knowledgeable mortgage loan officer!
I have been working with Sharla for over three years now, she explains the process with clear communication, patience and care. Sharla is extremely knowledgeable, and it’s always a pleasure working with her! 🏡
Let’s connect
Contact Sharla
Share a little about your plans and how to reach you.
Office locations
Suite 700
Houston, TX 77027
Suite 111
San Diego, CA 92128
Suite B
Albuquerque, NM 87109
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Sharla today.
