* Legal Disclaimer: The interest rates, annual percentage rates (APRs), and discount points shown are provided for informational purposes only and are subject to change without notice. Your actual rate, payment, and costs may vary based on your credit score, loan amount, loan-to-value ratio, and other factors. This is not a credit decision or a commitment to lend.

    Ada Ayala

    Ada Ayala

    Loan Officer

    NMLS#2052386
    Licensed InCA
    Languages
    English, Spanish

    Welcome To My Website

    Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

    Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

    After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

    Featured Loan Programs

    Conventional Loans

    Standard home loans with flexible terms and competitive rates.

    Refinancing Options

    Helping homeowners lower their rates or tap into their home equity.

    FHA Loans

    Government-backed loans perfect for first-time homebuyers.

    Schedule an Appointment

    Spot On Lending

    Mortgage Consultation

    15 min

    Get pre-approved in 24 hours! Whether you're buying your first home, refinancing, or investing in property, let's find the perfect loan for you. We'll discuss rates, programs (FHA, VA, Conventional, Jumbo), and get you started

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    Time zone
    GMT+00:00 UTC (UTC)
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    Get A Quick Quote

    Fill out the form below and I'll get back to you as soon as possible with personalized rates.

    By submitting this form, you agree to be contacted by Spot On Lending via phone, SMS, or email.

    Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. Advertised monthly payment is for illustrative purposes only and assumes above sales price and borrower qualification. Rates above reflect 30 day pricing. Rates, terms and availability of loan programs are subject to change without notice. Rate and APR will vary based on factors such as points, loan amount, loan-to-value, borrower's credit, property type and occupancy. Minimum credit score required. Not a commitment to lend. For informational purpose only; not intended as legal, tax or financial advice. Monthly payment includes estimated principal, interest, taxes, insurance and estimated mortgage insurance premium, when applicable, only. Loan programs are subject to underwriting guidelines which are subject to change without notice, which limit 3rd party contributions, and occupancy status in home. NMLS ID 2052386

    * For government programs, actual loan amount is higher due to upfront mortgage insurance added into loan amount.