Originates purchase, refinance, and home equity loans across the studio's licensed states. Direct line, considered files, no hand-offs after the first call.
A loan file is a financial portrait - assets, income, intent. Shari treats each one as a problem to solve, not a transaction to push.
Shari Mims is a dedicated and knowledgeable Mortgage Loan Originator with 13 years of experience in the financial industry. Committed to helping clients navigate the complexities of mortgage financing, she specializes in providing personalized solutions tailored to each client's unique financial situation and homeownership goals.
With a deep understanding of the lending landscape, Shari is adept at guiding first-time homebuyers, seasoned investors, and clients seeking refinancing options. Her expertise spans a wide range of loan products - from conventional, FHA, VA, and USDA financing to Non-QM (Non-Qualifying Mortgage) and DSCR (debt service coverage ratio) loans - ensuring clients have access to the most suitable options available.
Known for her exceptional customer service and attention to detail, Shari prioritizes building long-term relationships with clients and industry partners alike. She takes pride in educating clients on the mortgage process, empowering them to make informed decisions while providing ongoing support from pre-approval to close.
A firm believer in staying ahead of industry trends and regulations, Shari continually expands her knowledge through professional development and networking. She is passionate about helping clients achieve their dreams of homeownership and is dedicated to delivering results with transparency and integrity. Whether you are buying your first home, looking to invest, or considering refinancing, Shari will guide you through every step of the mortgage process.
These are the loan types Shari runs day to day. The studio supports every program below - what's listed here is the daily mix.
Conventional, FHA, VA, USDA, and Jumbo. First-time buyers through move-up families. Pre-qual that actually pencils with real DU/LP runs.
Rate & term math when the breakeven pencils. Cash-out only when the use of funds justifies the cost of capital.
Balances above the conforming limit. Two-appraisal scenarios, asset-depletion files, complex income structures.
Two years of tax returns, P&L analysis, bank statement programs when the standard underwriting box doesn't fit.
DSCR loans, rental income qualification, portfolio building strategy for first and tenth doors alike.
HELOCs and equity loans for clients who want flexibility without disturbing a low first-lien rate.
The way Shari runs a file - same as the studio, with Shari's fingerprints on it.
No warm hand-off to a processor at week two. Shari is the loan officer on day one and the loan officer at closing. Same number, same email, every step.
Income runs through real DU/LP. Assets get sourced. If a file isn't ready, you hear it on the first call - not at week six when the rate lock is burning.
If the deal doesn't make sense, Shari says so. The job isn't to close every file - it's to close the ones that actually pencil for the borrower.
Each state is its own license, its own continuing education, its own regulatory environment. Shari is currently licensed and originating in the following:
For purchase, refinance, or any file that needs a direct line to a loan officer - call, email, or apply online. First response within one business day.
