✨ Meet Ebonie Beaco, NMLS #2389954 ✨

🏡 Mortgage Loan Originator • 💼 Real Estate Investor • 🏘️ Former Realtor • 📊 Business Consultant
📈 25+ Years of Experience Helping Homebuyers and Investors Build Wealth

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I’m Ebonie Beaco, a Mortgage Loan Originator, Real Estate Investor, and Business Consultant with more than 25 years of experience helping homebuyers, investors, and entrepreneurs build long-term wealth through smart, strategic financing. I entered the mortgage industry at just 16 years old as a loan processor—an early start that gave me a foundation many professionals don’t gain until much later in their careers.

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I later served as a contract underwriter for Wells Fargo and Bank of America, gaining firsthand insight into how lending decisions are made, how to structure strong loan files, and what truly drives mortgage approvals. This experience allows me to guide clients with clarity, precision, and realistic expectations.

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Alongside my lending career, I built an extensive real estate background as a Realtor for over 10 years, working with first-time homebuyers, families, and real estate investors across multiple markets. I taught clients the home-buying process step by step, helped new buyers become confident homeowners, and guided many into becoming successful real estate investors.

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I have also completed my own fix-and-flip projects and built a personal investment portfolio, giving me hands-on experience with rehab budgets, after-repair value strategies, construction oversight, cash-flow analysis, and long-term planning. Because I understand both real estate and lending, I help clients see the full picture—not just the loan.

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My mission is to break down the mortgage process clearly, remove uncertainty, and empower every client to make confident, strategic, wealth-building decisions aligned with both their short-term goals and long-term financial success.

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👥 Borrowers I Work With

🏠 First-time homebuyers

💼 Self-employed borrowers

📄 W-2 borrowers

🆔 ITIN borrowers

📊 New and experienced real estate investors

🏘️ Entrepreneurs building Airbnb and short-term rental portfolios

🔁 Homeowners seeking refinance options

💰 Clients looking to access equity or restructure finances

🏗️ Property Types I Finance

🏡 Single-family homes

🏢 Condos and townhomes

🏘️ Two-to-four unit properties

🏬 Multi-unit apartment buildings

🏛️ Courtyard buildings

🏪 Mixed-use properties

🌴 Airbnb and short-term rentals

📈 Long-term rental portfolios

🏬 Commercial properties including retail centers and strip malls

🚧 Construction, rehab, and ground-up development projects

💼 Programs and Services I Offer

💸 Down payment assistance programs

📑 Non-QM loans

🏦 Bank statement loans

📊 DSCR investor loans

🔨 Fix and flip financing

🌉 Bridge loans

🏗️ Construction and renovation loans

🏢 Ground-up development financing

🏘️ Rental property loans

📂 Portfolio lending solutions

💵 Cash-out refinancing

🔁 Rate-term refinancing

✔️ Full-credit mortgage programs

📈 Credit guidance and score optimization

📝 Pre-approval planning and qualification strategy

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⭐ Why Clients Choose to Work With Me

Clients choose me because I do more than offer loan options—I strategically position borrowers for success. My background in underwriting, lending, real estate sales, investing, and portfolio development gives me a comprehensive understanding of the full process that most loan officers simply don’t have.

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Whether you’re buying your first home, expanding or restructuring an investment portfolio, completing a fix-and-flip or Airbnb project, tapping into equity, or building long-term financial security, I’m here to make the process clear, simple, and aligned with your goals every step of the way.