Sara WaggonerLoan Officer | NMLS #973193
Professionally speaking, whether environmental, my own personal makeup or a little of both I have always been drawn to industries of customer service. With my father having been in the mortgage business for 27 years, I have an intuitive understanding of the business and I know that it’s not just about the sale, it’s the relationship. I love my job because it provides me with the opportunity to make a difference. It is my goal with every transaction to make the process as worry-free as possible. I strive to provide security. I want to make people feel safe. I actually do lie awake at night thinking about work and my clients. I care. That which drives me to serve people is trust and the more they trust me, the more I want to serve. I am an Experienced Residential lender on all mainstream products: Conventional, FHA, VA and USDA + tailored program options and niche product portfolio lending. State Licenses: Arizona, California, Idaho, Washington and Texas
I Specialize In:
Now may be the perfect time for you to consider a refinance! Take advantage of this low rate market while it is still available. You may be able to lower your monthly payments or reduce the time it takes to pay off your loan. Turning your home’s equity into cash may also be an option for you…learn more
Locating the appropriate mortgage for your needs is just as important as finding the perfect dwelling. Whether you are a first-time homebuyer, shopping for extra square footage or bedrooms, or downsizing due to changes in your lifestyle, Starboard Financial has a wide range of products to fit any situation…learn more
A Reverse Mortgage, also known as a Home Equity Conversion Mortgage (HECM), is a unique lifestyle product that offers seniors access to the established equity in their home without having to leave their residence. As long as the borrower maintains the home and pays their property taxes and insurance, the borrower will make zero payments for the rest of their life…learn more
What is the Section 184 Loan Guarantee Program?
The Section 184 Indian Home Loan Guarantee Program is a home mortgage specifically designed for American Indian and Alaska Native families, Alaska Villages, Tribes, or Tribally Designated Housing Entities. Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance.
Because of the unique status of Indian lands being held in Trust, Native American homeownership has historically been an underserved market. Working with an expanding network of private sector and tribal partners, the Section 184 Program endeavors to increase access to capital for Native Americans and provide private funding opportunities for tribal housing agencies with the Section 184 Program.
To help increase Native access to financing, the Office of Loan Guarantee within HUD’s Office of Native American Programs, guarantees the Section 184 home mortgage loans made to Native Borrowers.
Section 184 is synonymous with home ownership in Indian Country. As of 2014, the Section 184 program has guaranteed over 24,000 loans (almost $4 billion dollars in guaranteed funds) to individuals, Tribes, and TDHEs.
“Section 184 Indian Home Loan Guarantee Program – HUD.” Section 184 Indian Home Loan Guarantee Program – HUD. Web. 1 Sept. 2015. <http://portal.hud.gov/hudportal/HUD?src=/program_offices/public_indian_housing/ih/homeownership/184>.
What Clients Are Saying About Sara
Thank you so much for making our mortgage go so smoothly and quickly. I can’t believe that from the day we found the house and applied for the mortgage to the day we moved in was three weeks. We’ve bought and sold quite a few houses and it’s never been that easy and fast. We’ll be in touch soon to talk about refinancing and if anyone asks for a referral for a mortgage, we’ll send them right to you.
Appreciate your help. You did a great job.
I would like to thank you guys for making the refinance a smooth and fairly easy process. I appreciate the time you put in and the quickness of your responses when issues where raised. Thanks again!
From Our Blog
The best time to begin asking questions of your mortgage lender--such as how much mortgage can I afford?--is before you have your heart set on a home. This allows you to get an idea of your house-hunting budget and can help you understand the things that ultimately...read more