With over two decades of experience in the real estate and mortgage industry, I am passionate about empowering individuals and families to achieve their dreams of homeownership. Since 2002, I have navigated the complexities of property transactions, always putting clients first.
My dual background allows me to seamlessly bridge the gap between buyers, sellers, and lenders. Whether it’s a first-time homebuyer or a seasoned investor, I tailor solutions to meet their unique needs.
I believe that well-informed borrowers make confident decisions. From pre-qualification to closing, I prioritize transparency, ensuring clients understand every step of the loan process. Real estate transactions can be intricate puzzles. I thrive on finding solutions, whether it’s overcoming credit challenges or streamlining paperwork. Clear communication bridges gaps. I explain loan options, interest rates, and terms in a way that empowers clients to make informed decisions.
If you’re seeking a Loan Officer who combines industry expertise with genuine care, I’d be honored to be part of your journey toward homeownership.
We’re excited to share that, as of March 31, 2025, Community Mortgage Funding has consolidated with Farmers Insurance Federal Credit Union. That means the same trusted team and same great service, now under one unified brand!
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RATE QUOTE & PRE-QUALIFICATION
Ready to receive a rate quote or get your
pre-qualification? Click below to get started.
MORTGAGE CALCULATORS
The following online calculators serve as helpful
tools during the mortgage process.
WHAT TO EXPECT
From the very beginning, we’ll collaborate with you to identify the loan that best fits your requirements and assist you throughout the lending process to ensure a seamless and hassle-free experience.
STEP 1
Gather Financials & Get Pre-Approved
Send us your financial details, we'll calculate a customized loan estimate for you, and provide a pre-approval.
STEP 2
Find a Real Estate Agent & Search for Homes
If you don't have a real estate agent, our FIGFCU Home Rewards* offers a 20% real estate commission rebate towards closing costs and outstanding service from a trusted, local real estate agent.
STEP 3
Choose a Home & Make an Offer
As soon as the seller accepts your offer, we'll collaborate with the settlement agent. Ask your real estate agent about ordering a home inspection.
STEP 4
Loan Review
We'll secure your mortgage interest rate, order the property appraisal, and send your information for review by our underwriters.
STEP 5
Conditional Loan Approval
Once our underwriters conditionally approve your loan, we'll get you ready for closing.
STEP 6
Close & Receive Your Funds
The Closing Disclosure will be sent for your review. Next, you'll sign loan closing documents. We will wire the funds to the settlement agent to enable you to finish your home purchase.
STEP 1
Loan Application
Complete a loan application online, we'll calculate a customized loan estimate for you, and provide a pre-qualification. Gather and send us the necessary financial details.
STEP 2
Appraisal
We'll request an appraisal of your property to determine its current value, secure your mortgage interest rate, and send your information for review by our underwriters.
STEP 3
Conditional Loan Approval
Once our underwriters conditionally approve your loan, we'll get you ready for closing.
STEP 4
Close & Receive Your Funds
The Closing Disclosure will be sent for your review. Next, you'll sign loan closing documents. We will wire the funds to the settlement agent to disburse any payoffs and remaining proceeds to you.
TESTIMONIALS
I was blessed enough to come in contact with Wendy Morales, she has been so eager to assist the moment we got on to the phone. She went out of her way to do research for ways to assist me with closing costs using grants within my county. Wendy is one of a kind, and not only has top tier customer service skills but also leads with her heart which is rare these kinds of industries. I highly recommend reaching out to her!
– Jenny I.
Wendy Morales and Team were amazing. She was very intelligent and knew the programs very well. She got our Jumbo loan funded in 2 weeks and we were able to close 10 days ahead of schedule. We will use again! great team with great results! thank you all.
- Zachary P.
Wendy Morales helped me with my home loan. From the beginning I explained to her that I needed it closed asap due to a job relocation and also a family trip planned a year ago. She would call me and text me every day to keep me informed on the progress of the loan, Wendy made it happened on time! Thank you very much Wendy Morales and Elaine Cassezus.
- Cesar C.