With 13 years of experience in the industry, I take a hands-on approach to guiding my clients through the home financing process from start to finish. I believe in not just securing a loan but educating my clients on the “why” and “what” behind each step, ensuring they feel confident in their decisions.
My background in processing, closing, and underwriting has given me a well-rounded understanding of the mortgage process, allowing me to support homebuyers—especially first-time buyers—as they achieve their dream of homeownership.
As a resident of Falmouth, I’m committed to giving back to my community. I actively participate in organizations such as WE CAN, where I assist with workshops on Divorce and Mortgage, and HAC, where I help educate first-time homebuyers.
Buying a home is one of the biggest financial decisions you’ll make, and I’m here to make the process as smooth and informed as possible. Let’s work together to find the right path to homeownership for you!
Contact me today for a personalized rate quote!
Our Most Popular Mortgage Programs Include:
- Purchase or refinance of primary residence, second home, or investment property
- Jumbo, portfolio and conventional financing options
- Specialty First Time Home Buyer loans
- Rate & Term and Cash-out mortgage refinancing
- Fixed and Adjustable-Rate Mortgages (ARM’s)
- Home Equity loans (HELOAN)
- Construction and Renovation loans
- Land Loans
The Coop team and I are here to guide you through the mortgage process and will be here long after closing to answer your questions. Feel free to utilize our site to learn about our loan programs and mortgage and loan payment FAQs. We also have helpful home financing calculators to help you calculate payments and compare costs. Feel free to call me, I’d be happy to speak with you or schedule a time to meet in person.
I look forward to working with you,
Johanna SL. Zarra
