Erika Fonseca

9051 Strickland Rd Ste 200, Raleigh NC 27615

Get to know me

Erika Fonseca is a North Carolina Mortgage Loan Originator and the professional behind Your Home With Erika. She helps homebuyers, homeowners, investors, and Realtor partners make confident financing decisions through clear education, transparent communication, and practical mortgage strategy. Erika brings an MBA, a finance background, and personal real estate investing experience to every client conversation. NMLS #2679761. Sponsored by Oak City Lending LLC, NMLS #1969372.

My experience

Licensed in:

North Carolina

Loan Products:

Conforming Loans

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Non-Conforming Loans

USDA

Languages spoken:

English

Russian

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.

What should clients expect when working with you from start to finish?

Clear guidance from first conversation to closing. I review documents upfront, explain options plainly, keep everyone updated, and work to make the mortgage process organized and less confusing.

Who do you love helping most, and how do you make the home loan process easier for them?

I love helping buyers, homeowners, investors, and Realtor partners who value clear guidance. I simplify the process by explaining options, reviewing details early, and keeping communication consistent

How do you feel about clients starting the conversation before they’re ready to purchase?

I encourage it. Starting early gives us time to review your options, prepare documents, improve strategy, and avoid surprises. A strong mortgage plan is easier to build before you are under contract.

How do you work with clients buying out of state?

I regularly help clients buying in NC while living elsewhere. We can handle the process by phone, video, and secure online tools, with clear communication so clients feel prepared before they arrive.

How do you support clients looking to improve their credit before applying?

I help clients understand what may be affecting their mortgage readiness and what documentation or timing may matter. When needed, I can point them toward appropriate credit resources before applying.