Licensed in Arizona · Florida · Tennessee · Texas
Personalized guidance from a multilingual loan specialist who speaks your language — literally. English, Spanish & Portuguese.
Who is Valeria?
Valeria Garrow is a Mortgage Loan Originator with The Garrow Team, a team of E Mortgage Capital, Inc., with dual American-Brazilian citizenship and a passion for making homeownership possible — for everyone.
With expertise across Conventional, FHA, VA, Jumbo, DSCR, ITIN, and Non-QM loan products, Valeria specializes in helping clients that other lenders turn away. Whether you're a first-time buyer, a real estate investor, or a non-permanent resident — Valeria has a solution tailored to you.
How It Works
From first conversation to closing day, Valeria guides you every step of the way.
We start with a no-obligation call to understand your goals, timeline, and financial situation — zero pressure, full transparency.
A mortgage pre-approval may include a review of your income, assets, credit profile, and Automated Underwriting System (AUS) findings, subject to applicable lender requirements and documentation — giving you buying power and confidence in the market.
Once you find your home, we handle underwriting, appraisals, and documentation — keeping you informed at every milestone.
Keys in hand. We guide you through closing day so you know exactly what to sign, what to expect, and how to move in with confidence.
What We Offer
Access to 50+ loan products through E Mortgage Capital — from first-time buyers to seasoned investors.
Flexible low down payment options. Perfect for buyers with strong credit and stable income.
Government-backed loans ideal for first-time buyers or those rebuilding credit.
No down payment options for veterans and active military. One of the benefits you've earned.
Qualify based on rental income, not personal income. Built for real estate investors scaling their portfolio.
For clients with non-traditional income or immigration status. Valeria specializes in these programs.
Financing above conforming limits for luxury properties and high-cost markets.
Client Stories
Real feedback from real clients — sourced from Zillow & Google.
"Valeria made the entire process seamless. She answered every question, even on weekends, and got us a rate we didn't think was possible. Highly recommend!"
"As a non-resident, I thought buying a home in the US was impossible. Valeria knew exactly what program to use and made it happen in 30 days. Extraordinary!"
"I've worked with several loan officers over the years. Valeria is in a different league — professional, knowledgeable, and genuinely cares about her clients."
"My investment portfolio grew from 1 to 4 properties thanks to Valeria's DSCR expertise. She structures deals other lenders won't touch."
"The VA loan process can be intimidating, but Valeria handled everything perfectly. Zero down, below-market rate, and closed on time. She's the best."
FAQ
Typically 21–45 days from application to closing, depending on the loan type and how quickly documentation is provided. Valeria works diligently to close as fast as possible without sacrificing accuracy.
It depends on the loan program. FHA loans can go as low as 580, while conventional loans typically require 620+. For Non-QM and DSCR products, there's more flexibility. Schedule a free consultation to find out exactly where you stand.
Yes! Valeria specializes in ITIN loans for buyers who have an Individual Taxpayer Identification Number. Non-permanent residents on visas are also eligible for many loan programs. You have more options than you think.
It depends on your loan type. VA loans offer no down payment options for eligible veterans and active military; conventional and FHA loans offer low down payment options for qualified buyers. The exact amount depends on your loan type, credit profile, and property. Down payment assistance programs may also be available in your area.
Absolutely. Refinancing can lower your monthly payment, shorten your loan term, or pull cash out for home improvements or debt consolidation. Valeria will analyze your current loan and show you whether refinancing makes financial sense.
Pre-qualification is a quick estimate based on self-reported information. Pre-approval involves full verification of income, assets, and credit — and carries real weight with sellers. In competitive markets, a pre-approval letter is essential before making offers.
Valeria is currently licensed in Arizona, Florida, Tennessee, and Texas. If you're purchasing or refinancing in one of these states, she's ready to help. Reach out and she'll confirm coverage for your specific situation.
Valeria specializes in DSCR (Debt Service Coverage Ratio) loans for investors — qualifying based on rental income, not personal tax returns. She also offers hard money, LLC financing, and multi-unit purchase programs. Perfect for scaling a rental portfolio.
Get in Touch
Schedule a free 30-minute consultation and discover which loan program fits your goals. No pressure, no commitment — just expert guidance in your language.
No pressure, no commitment — just expert mortgage guidance in English, Spanish, or Portuguese.
Loan documents are provided in English only.
