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MY SERVICES
Loan Programs and Products Offered
FHA HOME LOAN
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA HOME LOAN
The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.
USDA HOME LOAN
If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.
JUMBO LOAN
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.
REVERSE MORTGAGE
The federal government guarantees HECM reverse mortgages and offers them as an option for homeowners who are 62 years old or
older. With this type of loan, you can take out money from your home without having to pay any monthly mortgage payments-just
interest on what's left!
SHINING STAR HERO
The Shining Star Hero Program allows for homeownership for heroes in our community!
About Me
What I Do
I am a full-service mortgage loan officer based in Albuquerque, NM, specializing in Conventional, FHA, VA, First Time Homebuyer, and USDA loans. Whether you're buying a home or refinancing, I’m here to help you achieve your dream of homeownership or save money with a lower monthly payment.
Programs I Offer
I offer the following purchase loan programs: FHA, VA, USDA, HomePath, Jumbo, and Conventional.
Refinancing? I can help you with that, too!
I offer a wide range of refinance options to meet your needs. Whether you're looking for cash out or just a better rate and term, I can help. My refinancing programs include FHA Streamline, FHA Cash Out, FHA 203k, VA Streamline, USDA Streamline, Conventional, HELOC, and Jumbo. I also offer niche programs like Non-QM Loans, Bank Statement Loans, and Jumbo Loans.
CONTACT ME
Feel free to text or call...
HEAR FROM MY AWESOME CLIENTS...
Judith is the best ever!!!
Judith went above and beyond in guiding us through the entire process, providing comprehensive education from start to finish. Since then, every interaction in relation to the matter has been remarkably prompt and effortless. The outstanding level of patience displayed ensured that this experience remained stress-free for us. Judith tirelessly worked day-in and day-out, collaborating closely with our Agent to find the best financial solution for our unique circumstances. When goals were set in conjunction with Judith, rest assured that all efforts would be exerted to make them a reality. Choosing Judith as the lender of choice made us feel incredibly at ease. I wholeheartedly recommend Judith to all our loved ones. Words cannot adequately express the gratitude felt, as our dream home would not have been possible without the exceptional assistance received!
Donald M.
Google Review
Wholeheartedly recommend working with Judith!
Judith is absolutely phenomenal! We couldn't be happier with the outcome – securing the best deal for us and ensuring we got the most value for our investment. Throughout the entire process, Judith expertly led us, helping navigate the complexities with ease. Even after the purchase, Judith's dedication to assisting us remains evident, promptly addressing any questions that come up. The attentive and caring approach Judith takes truly makes individuals feel well taken care of. Working with Judithis wholeheartedly recommended for an exceptional experience!
Leticia R.
Google Review
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
I will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. I will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
I will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. I will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
Meet Judith
Judi Gavia is a veteran in Mortgage Lending, having assisted hundreds of borrowers in realizing their dream of home ownership. She has built a solid reputation in the industry as tirelessly representing the needs of her clients, always going the extra mile to reflect the importance of every loan transaction. Judi recognizes that you have many options in mortgage lending and works hard to earn the trust of the borrowers that she serves. Finding the right loan for your needs is paramount in all that she does and following through on her commitments is what makes her stand out from the "mortgage lending crowd". Judi believes in giving back to her community through volunteer work and currently sits on the board of directors for several local non-profits. Spending quality time with her family, living an active lifestyle and finding the humor in everything are all important aspects of her life. Contact Judi today for all of your real estate financing needs. At Peoples Mortgage, It's All About The People!
Judith Gavia
Senior Loan Specialist
Meet Judith
Judi Gavia is a veteran in Mortgage Lending, having assisted hundreds of borrowers in realizing their dream of home ownership. She has built a solid reputation in the industry as tirelessly representing the needs of her clients, always going the extra mile to reflect the importance of every loan transaction. Judi recognizes that you have many options in mortgage lending and works hard to earn the trust of the borrowers that she serves. Finding the right loan for your needs is paramount in all that she does and following through on her commitments is what makes her stand out from the "mortgage lending crowd". Judi believes in giving back to her community through volunteer work and currently sits on the board of directors for several local non-profits. Spending quality time with her family, living an active lifestyle and finding the humor in everything are all important aspects of her life. Contact Judi today for all of your real estate financing needs. At Peoples Mortgage, It's All About The People!
Judith Gavia
Senior Loan Specialist
Call 888-621-6499
Call 888-621-6499
Copyright © 2025 | Licensed In: AR, CA, NV, NM, OR & TN | Company NMLS: 6274 | NMLS # 284937
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
Your Consent & Privacy: By providing your phone or email, you grant consent for Judith Gavia to contact you, including via automated calls, texts, or pre-recorded messages. This applies even if your number is on a Do-Not-Call list. SMS/MMS may incur charges. You can revoke consent anytime.
Copyright ©2023 | Licensed In: AR, CA, NV, NM, OR & TN | Company NMLS: 6274 | NMLS # 284937