Visit the Lender's Website
Realtor Referral Link
Your Path to Homeownership
Starts Here
Welcome to your personalized homebuying journey with
Dr. Yamilsa Roebuck and Damoris Williams
Your dedicated team for turning the dream of homeownership into reality. Next choose your homeownership path.
Your Dream Home Is Closer Than You Think
No matter where you're starting from — whether you're building credit, saving for a down payment, or ready to sign — Damoris Williams and her team are ready to walk this journey with you.
Step 1
Buyer's Consultation with your Realtor®
Step 2
Realtor® Referral to connect you to the lender - Damoris with NEXA Lending
Step 3
Choose your Homeownership Path
Step 4
Schedule your consultation with the lender.
Choose Your Homeownership Path
Every homebuying journey begins at a different starting point. Select the path below that best reflects where you are today — and let's take the next step together.
1
Schedule Your Purchase Consultation
If you feel confident about your credit and are ready to talk next steps toward purchasing your home, jump straight into a purchase consultation. After booking your session, please go ahead and complete the mortgage application in Step 2; this helps Damoris build a working file so we can hit the ground running when we meet!
2
Apply for Your Mortgage
While you're scheduling your consultation, go ahead and complete your mortgage application — it won't trigger a hard credit pull. Submitting your application now allows Damoris to build a working file so we're ready to move quickly once we've reviewed your timeline, scores, and goals together. Credit is not pulled until we've had that conversation and decided on the right path forward.
3
Check Your Credit First
If you've never pulled your credit or simply want to see where you stand, start here. Get a clear picture of your credit health before anything else. Make sure to select the Premier Plan $39
4
Get Credit Guidance
If you know credit may be holding you back — or you'd like expert guidance on improving your score — schedule a one-on-one credit consultation with Damoris.
Book A Follow-Up Appointment
If Damoris has asked you to schedule a follow-up appointment, please use this link to book your next session.
Meet Your Homebuying Dream Team
Yamilsa Roebuck - Your Realtor Partner
As your dedicated real estate professional, Yamilsa brings exceptional service and expertise to every transaction. With a passion for helping clients find their perfect home, she provides personalized guidance throughout your homebuying journey.
Yamilsa's commitment to excellence and attention to detail ensures your real estate experience is smooth and successful, whether you're a first-time buyer or seasoned investor.
Damoris Williams - Your Mortgage Expert
With expertise in mortgage lending, Damoris is committed to finding the perfect financing solution for your unique situation. As a dedicated mortgage professional, he guides you through the entire loan process with clarity and confidence.
Damoris works diligently to secure competitive rates and favorable terms, making your homebuying experience as seamless as possible while ensuring you understand every step of the mortgage process.
Loan Programs
Whether you're buying your first home, investing in real estate, or exploring options others said weren't possible — Damoris has a program for you. Browse our most popular loan products below. Don't see what you're looking for? Just ask. Damoris will search our full product database to find the right fit.
Conventional Loans
Flexible financing for qualified buyers with solid credit and stable income.
FHA Loans
Government-backed loans with lower down payment requirements — ideal for first-time buyers.
VA Loans
Zero down payment options for veterans, active-duty service members, and eligible spouses.
USDA Loans
100% financing for eligible rural and suburban homebuyers with moderate income.
Down Payment Assistance
Programs designed to help buyers bridge the gap when saving for a down payment is the biggest hurdle.
Bank Statement Loans
Alternative income verification using personal or business bank statements — ideal for self-employed borrowers.
DSCR Loans
Debt Service Coverage Ratio loans for real estate investors — qualify based on property income, not personal income.
Fix & Flip Loans
Short-term financing for investors looking to purchase, renovate, and resell properties for profit.
Construction Loans
Financing for building a new home from the ground up — covering costs from land to final build.
Reverse Mortgages
Allow eligible homeowners 62+ to convert home equity into tax-free funds without monthly mortgage payments.
Commercial Loans
Financing solutions for business properties, mixed-use buildings, and income-producing real estate.
Doctor Loans
Specialized mortgage programs for physicians and medical professionals — often with no PMI and flexible income qualification.
Assess Your Homebuyer Readiness
Knowing where you stand is the first step toward securing your dream home. Our personalized Homebuyer Compass assessment helps you understand your readiness, identify key areas for improvement, and chart a clear path forward.
"My mission is to transform the often intimidating mortgage process into an educational journey that empowers my clients. When you work with me, you're not just getting a loan — you're gaining a financial partner committed to your long-term success."
— Damoris Williams, Mortgage Loan Originator
One of Our Preferred Certified Financial Consultants
ABOUT FRANCESCA COLBERT
COLBERTSON CONSULTATIONS, LLC
I’m a Certified Wealth Educator I’ve been in business 8+ years We specialize in:
  • Credit Restoration
  • Debt Payoff
  • Credit Monitoring
  • Savings
  • Identity Monitoring
  • Budgeting
  • And much more.

What to Expect: Your Journey to Closing
Damoris walks alongside you at every stage — from your very first conversation to the moment you receive your keys. Here's a simplified look at how the process unfolds.
Most clients move from consultation to pre-approval within just a few days. Damoris makes sure you're never left wondering what comes next.
Protect Your Privacy
Taking these two important steps can help reduce unwanted solicitations and protect your personal information from prescreened offers and telemarketing calls. ⚠️ Important: Once your credit is pulled for a mortgage, your information may be sold to competing lenders who will contact you with unsolicited offers — this is known as a "trigger lead." While legal, it can be confusing and overwhelming. The steps below can help reduce this significantly.
Opt Out of Prescreened Offers
Remove your name from lists used for unsolicited credit and insurance offers. This helps prevent identity theft and reduces junk mail.
Or call 1-888-5-OPT-OUT
Register for the Do Not Call Registry
Register your phone numbers to significantly reduce the number of telemarketing calls you receive.
Understanding Your Credit Check
When you're ready for the crucial hard credit pull, an upfront fee of $99+ (depending on single or joint report) covers a comprehensive credit report and detailed documentation review. This transparency is key, providing unique advantages for your financial journey.
Comprehensive Review
The upfront fee covers a detailed credit report and thorough documentation review, giving us a complete financial picture from the start.
Shop Multiple Lenders
As a broker, Damoris can re-issue your existing report to multiple lenders without additional inquiries, securing the best possible terms for you.
Protect Your Credit Score
Avoid multiple hard inquiries that can negatively impact your credit. This approach safeguards your score while optimizing your loan options.
Maximum Flexibility
Unlike limited free lender reports, Damoris's paid report offers broader use, empowering you with more choice and better negotiating power.
The Pre-Approval Process
Application Review
We analyze your credit report, income documentation, and financial history to determine your eligibility.
Financial Assessment
We calculate your debt-to-income ratio, available funds, and maximum purchase price range.
Pre-Approval Letter
Receive your official pre-approval letter detailing your qualified loan amount and terms.
Fee Worksheet & Next Steps
Get a detailed breakdown of all costs and a personalized video explaining your path forward.
Our thorough pre-approval process gives you confidence when making offers and helps streamline your eventual closing process. Your pre-approval is backed by actual underwriting guidelines, not just a quick estimate.
What Not To Do During Your Home Purchase
Avoid New Credit Applications
Don't apply for new credit cards, auto loans, or other financing. Each application can lower your credit score and change your debt-to-income ratio.
Don't Make Large Deposits
Unexplained large deposits will require documentation of their source. Avoid cash deposits that can't be traced.
Don't Change Employment
Switching jobs during your mortgage process can delay or derail your approval. Lenders want to see stability in your income.
Avoid Large Purchases
Hold off on buying furniture or appliances on credit until after closing. These purchases affect your debt-to-income ratio.
Don't Move Money Around
Keep your funds in one place. Moving money between accounts creates a paper trail nightmare that can delay your approval.
Don't Co-Sign Loans
Co-signing makes you legally responsible for someone else's debt, which counts against your debt-to-income ratio.
Frequently Asked Questions
How long does the pre-approval process take?
Typically, our pre-approval process takes 1-2 business days once we have All your documentation. For clients with more complex financial situations, it may take up to 5 business days.
What documents will I need for pre-approval?
You'll need: recent pay stubs, W-2s for the past two years, tax returns for the past two years, bank statements for the past two months, photo ID, and documentation for any other income sources or significant assets.
What credit score do I need to qualify?
Minimum credit score requirements vary by loan type: FHA loans typically require 580+, conventional loans 620+, and VA loans 620+. However, higher scores qualify you for better interest rates and terms. We also have programs under 580, that may require a larger down payment. Each scenario is different and we dig in to find one that works for you and your family.
Are there programs for first-time homebuyers?
Yes, there are numerous programs offering down payment assistance, reduced interest rates, or tax benefits for first-time homebuyers. We'll explore all options during your consultation to find programs you qualify for.
Mortgage Glossary: Key Terms Explained
Pre-Qualification vs. Pre-Approval
Pre-Qualification: An informal estimate of how much you might be able to borrow based on self-reported information.
Pre-Approval: A formal commitment from a lender based on verified documentation, credit check, and underwriting review.
Debt-to-Income Ratio (DTI)
The percentage of your gross monthly income that goes toward paying debts. Lenders typically prefer a DTI of 43% or less, including your new mortgage payment.
Loan-to-Value Ratio (LTV)
The relationship between the loan amount and the home's value, expressed as a percentage. Lower LTV ratios typically qualify for better loan terms.
Closing Costs
Fees and expenses paid at closing, typically 2-5% of the loan amount. These include lender fees, title insurance, appraisal, and prepaid expenses like property taxes and homeowners insurance.
Escrow Account
An account managed by your lender to pay property taxes and insurance premiums. A portion of your monthly mortgage payment goes into this account.
Private Mortgage Insurance (PMI)
Insurance required for conventional loans when the down payment is less than 20%. It protects the lender if you default on your loan and typically costs between 0.5% and 1% of the loan amount annually.
Interest Rate
The cost of borrowing money, expressed as a percentage of the loan amount. This determines how much extra you'll pay on top of the principal.
Principal
The original amount of money borrowed, or the remaining balance of the loan, on which interest is calculated. Each payment reduces this amount over time.
Amortization
The process of paying off a debt over time in regular installments, where each payment includes both principal and interest. Early payments lean more towards interest, later ones toward principal.
Fixed-Rate Mortgage
A mortgage with an interest rate that remains the same throughout the life of the loan. This provides predictable monthly payments, making budgeting easier.
Adjustable-Rate Mortgage (ARM)
A mortgage with an interest rate that may change periodically, typically in relation to an index. This can cause your monthly payments to fluctuate.
Underwriting
The detailed process a lender uses to determine if a borrower is eligible for a loan. It involves assessing your creditworthiness, income, assets, and the property itself.
The Damoris Williams Loan Team
Damoris Williams
Mortgage Loan Originator, NMLS# 149521
NEXA Lending, LLC
Lic. AZBK #2006218 | NMLS#1660690
📧 damoriswilliams@nexalending.com
🌐 getapprovedwithdamoris.com
📞 470-526-4988
Ann Buna
Loan Officer Assistant - Damoris Williams Loan Team
📧 abuna@nexalending.com
📞 470-470-5060
5559 S. Sossaman Rd. Bldg. 1 #101
Mesa, AZ 85212

All approvals are subject to underwriting guidelines. This is not a commitment to make a loan. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice.

©2025 NEXA Lending LLC. Lic. AZBK #2006218 / NMLS#1660690
5559 S. Sossaman Rd. Bldg. 1 #101, Mesa, AZ 85212
NMLS Consumer Access Link click here