Ethos Lending

Mortgage lender for 20 years. We do home loan purchases and refinances. Specialize in first time buyers and have several down payment assistance programs. Whether you’re buying your very first place, upgrading to your dream home, or refinancing to reach new goals, We at Ethos Lending look forward to getting you home!

First-time homebuyers Move-up buyers Real estate investors Zero or low down payment options FHA, VA, USDA, and conventional loans Jumbo mortgages Renovation and manufactured home loans Refinance options (cash-out, lower payment, or pay off sooner) Specialty programs like Bank Statement loans, Buy Now/Sell Later, and One-Time Close

Mariana Vigil believes getting a mortgage should feel simple, supportive, and stress-free. Her clients are more than transactions—they’re neighbors, partners, and companions on the journey home. When you’re ready for clear answers, straightforward advice, and a mortgage that fits your life today and, in the future, Mariana is here to help. She’ll explain your options in plain language, guide you toward competitive rates and terms, and make sure you feel confident every step of the way.