Carmelita Black
Get to know me
As a Loan Officer with Loan Factory, I help veterans, active duty service members, surviving spouses, and military families better understand mortgage options with clarity and care. Powered by the Rocket Pro program, I share home loan education, clear next steps, and honest guidance to help clients move forward with confidence throughout the financing journey.
My experience
Licensed in:
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Brokerage info
What you can expect from me.
Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.
Document needs vary, but lenders commonly review income, assets, debts, identity, and property details.
Fees and closing costs vary by loan program and borrower scenario. I can help you review a Loan Estimate so you can better understand lender fees, third-party costs, and cash to close.
I typically connect with clients by phone, text, email, direct message, referrals, social media, and online inquiries. My goal is to keep communication clear, caring, and easy throughout the process.
You can start with a general estimate on my website. For a more precise quote, a credit review may be needed.
I especially love helping veterans, active duty service members, surviving spouses, and military families. I make the process easier through clear guidance, honest communication, and simple next steps