Ava Sinclair
Senior Mortgage Advisor · Meridian Home Lending
Lending, done with care.
Get Pre-ApprovedLoan Options
Conventional
Competitive fixed and adjustable options for primary, second, and investment homes.
- As little as 3% down
- Fixed or adjustable rates
- Drop PMI at 20% equity
- Primary, second, or investment homes
FHA & VA
Low-down-payment and earned veteran benefits, handled start to finish.
- From 3.5% down (FHA)
- $0 down for eligible veterans
- Flexible credit guidelines
- No monthly PMI on VA loans
Jumbo
Financing above conforming limits with white-glove underwriting.
- Loan amounts above conforming limits
- Competitive jumbo rates
- Flexible down-payment options
- Dedicated underwriting
Refinance
Lower your rate, shorten your term, or tap equity with confidence.
- Lower your rate or payment
- Shorten your term
- Cash-out for renovations or debt
- Streamline options available
“Ava made the whole thing feel effortless. She was always a step ahead.”
“I’ve bought three homes and never had service like this. Calm and precise.”
“She treated my loan like it was the only one that mattered.”
Simple, from hello to keys
A quick, no-pressure conversation about your goals, your timeline, and any questions on your mind.
We review your numbers and hand you a clear budget — plus a pre-approval that makes your offer stronger.
We match you to the right loan and handle the details, keeping you informed at every step.
We guide you through to the keys in your hand — on time, and with no surprises.
Access to competitive options across a full network of lenders.
For Real Estate Agents
Great agents deserve a lending partner who makes them look good. I close on time, communicate constantly, and treat your clients like my own — so more of your deals reach the finish line.
Let’s partner up- ✓On-time closings your clients can count on
- ✓Proactive updates — you’re never left guessing
- ✓Co-branded marketing and open-house support
- ✓A true partner, not just another vendor
Areas I serve
Don’t see your area? Reach out — chances are we can still help.
Current Mortgage Rates
Week of July 30, 2026 · National averages, updated weekly. Source: Freddie Mac PMMS via FRED. Not a rate quote — your rate depends on your profile.
Latest insights
The First-Time Buyer’s Checklist (Before You Even Look at Homes)
The five things worth doing before you tour a single house — so you shop with confidence and move fast when the right one shows up.
Read →You Don’t Actually Need 20% Down — Here’s the Truth
The biggest myth in home buying, unpacked: how much you really need, and the low-down-payment paths most buyers never hear about.
Read →Financing Your First Rental Property: What Investors Should Know
How financing an investment property differs from a primary home — and the fundamentals that help your first deal pencil out.
Read →Get the free Home Buyer’s Guide
A plain-English walkthrough of the whole process — budgeting, pre-approval, and what to expect from offer to closing. No jargon, no pressure.
Frequently asked
How much do I need for a down payment?
Often less than people expect. Many buyers put down far less than 20%, and some programs allow very little down. The right answer depends on your goals — let’s map it to your situation.
What credit score do I need?
There’s more flexibility than you might think, with programs for a range of credit profiles. If you’re unsure where you stand, a quick, no-obligation review will tell you.
Should I get pre-approved before I start looking?
Yes. A pre-approval shows you a realistic budget and tells sellers you’re serious — often the difference between an accepted offer and a missed home.
How long does the whole process take?
Most purchases move from application to closing in a matter of weeks. Being prepared — documents ready, questions answered early — is what keeps it smooth.
Can you help if I’m self-employed?
Absolutely. There are loan options built for self-employed borrowers and non-traditional income. Let’s talk through what fits you.
What does it cost to work with you?
An initial consultation is always free, and I’ll be upfront about everything involved before you commit to anything.