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Desiree Vavak
Business Name:
North American Mortgage
Business Description:
I help families, landlords, & investors Qualify, Plan & Obtain Mortgage financing for their 1-4 unit residential real estate mortgage investment properties. I also teach homeowners how to financially maintain their real estate wellness, & plan for any real estate transitions in their future. Let's talk about Credit. I can show you how to get your Fico Score mortgage ready. I enjoy giving back to my clients by helping with income/rental properties, hardships with home ownership and helping with reverse mortgage tax free income, loan modifications, government/lender opportunity programs, & Forbearance/Foreclosure work out options. Available Loan Types at Wholesale Mortgage Interest Rates: -FHA (Federal Housing Administration-They do not make loans but only guarantees them in case of borrower default) -Conventional (Fannie Mae & Freddie Mac) -VA (U.S. Department of Veterans Affairs-They do not make loans but only guarantees each loan in case of borrower default) -Jumbo (Loan Amount Depends on County Limits) -HomeReady & HomePossible -Reverse (Equity & 62 years old) LESA-Life Expectancy Set Aside Calculation, Required Buyer Counseling -USDA (United States Department of Agriculture-They do not make loans but only guarantee each loan) -CalHFA- Income Limits & Purchase Price Limits apply, Required Buyer Counseling -When Active CalSTRS/CalPERS -Rehab Loan Knowledge -Private & Hard Money Loan Knowledge -HELOC, Credit Line Loan Knowledge
How Business Creates Value:
Finding a trustworthy, ethical, & well educated Mortgage Loan Originator is crucial to your long term property goals success. Understanding a mortgage loan is more than meets the eye. There are many important things to think about such as short and long term goals, real estate market timing, taxes & insurance, and potential appreciation. Working with an experienced Mortgage broker early on in your real estate planning can make a world of difference with your interest rate and loan costs in the future. Do Not just go to who your Realtor's pick...this lender may be quick and efficient, but are they looking out for your best interest or do they want to satisfy the Realtor for repeat business? Think about who is looking out for you and your growing home investments. Never sell a property without consulting a Mortgage Loan Originator as well...you can discover how you can leverage and provide income for many years to come before you cash out on any investment.
How Member Creates Value:
I am a multi-credentialled Agent of Mortgage Finance so I can see the full rounded picture of the housing market. Many economic factors play a role in the housing markets ups and downs & Buyer's Vs. Seller's market. With a strong background in Marketing & Finance I give my clients a well-rounded view of the mortgage market and options for their best strategies and approach to their real estate endeavors. When family hardships put your Mortgage payment at risk of default I can navigate you through work out options from Forbearance, to Loan Modification, & Short sale to avoid Foreclosure!

What I Do.

I am the guide to help assist you in qualifying for your future dream home, rental property, or learn how to become an investor. I protect my client's best interests by eliminating risk and liability in their real estate transactions. I teach how to leverage one property to add another and equity build.

Why I Do It.

I began my career in 2008 after the market crash. I too was a victim of a Foreclosure nightmare. My empathy for clients in hardship is what drove me to start my business. I loved being their hero and literally saving their lives and home investments. Now 15 years later I still protect my clients and guide them to make the the right decisions and ultimately grow their investment portfolios. I was able to utilize my 2008 loss mitigation (mortgage hardship option programs) skills during the pandemic and still in the aftermath I am as compassionate as ever when it comes to these family challenges. My client(s) satisfaction means everything to me! Best of all I get to be a stay at home Mom and the sky is the limit in my industry. I love what I do and I feel so rewarded with the joy of each family I help buy their first home or first investment property!

Contact Information



  • Real Estate Selling, Buying, Single Family Homes or 1-4 Units, Rental Property, Helping Clients to become Landlords


  • Realtor DRE#01847388
  • Mortgage Loan Originator NMLS#318675
  • National Association of Realtors (NAR) Member
  • California Association of Realtors (CAR) Member
  • B.A. Degree in Business Marketing


  • Working with Investors and Rehabbing property
  • Continuing Real Estate & Mortgage Education
  • Staying Active with Swimming, Hiking, Sailing, & Skiing/Snowboarding
  • Learning everyday how to be a Great Mother!


  • Mortgage Loan Officer from 2007-2011
  • Mortgage Loan Originator (MLO) from 2011-Present NMLS#318675
  • California Realtor since 2008-BRE License #01847388
  • Foreclosure Expert-Loan Modifications, Short Sale Negotiations, Reverse Mortgages, Government Opportunity Programs
  • Residential Home Rehabber-Fortune Builders Mastery


  • English
  • Some Spanish