Ricki WhittleVP/Branch Manager
How much home can you afford?
Find out by prequalifying right here, right now.
TX Lic. #: 232053
5402 SOUTH STAPLES #102
CORPUS CHRISTI , TX 78411
TX Lic. #: 292102
Welcome to my website!
Helping families realize the dream of homeownership is my passion. Over the years, I have been able to assist many families obtain financing, many of them for the first time, and it never gets old. To me, it's always been more than a job. The satisfaction and pride I feel each time one of my Borrowers becomes a Homeowner is indescribable. Each one is an emotional investment for me as every Borrower is more than just a loan, they are friends, neighbors & my community.
My extensive experience as a Loan Officer and knowledge of the industry allows me to tailor each loan to meet the specific needs of each individual. Everyone’s story is different, so no one loan will fit everyone’s needs. My job is to find that perfect fit. Buying a home is the single most important investment we make. Although it can seem intimidating, I am dedicated to making the process a positive and rewarding experience for you, and I welcome the opportunity to earn your business and your trust.
What We Offer
CONVENTIONAL, FIXED RATE MORTGAGE LOANSYou have good credit and a down payment saved.
These mortgage loans offer several repayment period terms. Different repayment terms offer different, mortgage rates. Their fixed interest rates are desired by many because the principal payment and interest rate does not increase over time.
FEDERAL HOUSING ADMINISTRATION (FHA) LOANYou are a first-time homebuyer, want a low down payment or have concerns about your credit score.
FHA Loans generally involve a lower down payment compared to conventional mortgages but the loan amount may have limitations.
RENOVATION LENDINGYou want to renovate your home or buy a “fixer upper” and renovate
Whether you’re remodeling a kitchen or doing a complete home overhaul, Certainty Home Loans has four lending options—one that’s sure to be right for your needs.
DEPARTMENT OF VETERAN AFFAIRS (VA) LOANYou are a U.S. military veteran or in active military service.
VA loans often deliver great benefits for eligible veterans and their families, such as the possibility of zero down payment and seller-paid closing costs.