Erica Carreiro

Assistant & Underwriter

Keeping every deal measured, organized, and on track.

Tailoring Your Mortgage

Amortization – The Length of Your Stitch

Think of amortization as the full timeline of your mortgage — how long it takes to pay it off completely.
Whether you choose a 25-year or 30-year plan, the right “fit” depends on your cash flow and long-term goals.

Term – The Season for Adjustments

Your mortgage term is like a fitting season — typically 1 to 5 years — where your rate and conditions stay set.
When the term ends, it’s time to reassess the fit and make any needed adjustments before the next one begins.

Mortgage Products – The Fabrics We Choose

Each product offers a different texture and feel:

Fixed Rate – Steady and predictable, like a classic wool suit.
Variable Rate – Flexible and dynamic, adjusting as the market moves.
Hybrid / Split Rate – A mix of both — structure on one side, freedom on the other.
HELOC (Home Equity Line of Credit) – Your versatile layer. Access funds when you need them, pay interest only on what you use.

Income Types – Measuring Your Pattern

No two clients have the same financial pattern.
Whether you’re salaried, self-employed, earning commission, or building rental income, we’ll find the right cut to showcase your financial strength — not limit it.

About

Erica is the detail expert behind every smooth mortgage experience.

As Yeni’s licensed assistant and in-house underwriter, she bridges the gap between clients and lenders — collecting documents, reviewing financials, and preparing each file with precision and care.

With a background in banking and underwriting, she knows exactly what lenders look for and ensures every application is positioned for success.

Calm, organized, and client-focused, Erica helps turn complex paperwork into a seamless process — so clients can focus on the excitement of their next chapter.