LIZ ESTRADA

Loan Officer NMLS#: 1514454

At Elite Integrity Solutions, we don't just offer loans — we help build futures.

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Discover First Capital Group

Real solutions. Honest guidance. Your future, empowered.

Liz and Her Team
Liz Estrada
Erika Garcia
Meet Liz Estrada
My name is Elizabet Estrada—most people just know me as Liz. With over 20 years of experience in the mortgage industry, I’ve become the person and professional I am today. My journey has been deeply shaped by my passion for helping families build stronger financial futures.
A Personal Approach
As a wife and mother of five, I understand how the daily challenges of life can sometimes make financial goals feel out of reach. These experiences have taught me empathy, resilience, and the importance of meeting people where they are. I know every client has a unique story, and I’m committed to helping them navigate their path with compassion and clarity.
Why Choose Elite Integrity Solutions?
I founded Elite Integrity Solutions—a company built on three core values: elite service, genuine integrity, and personalized financial solutions. I’ve brought together a dedicated team that shares my commitment to helping others succeed. Together, we’re here to empower individuals and families with the tools, support, and knowledge they need to achieve lasting financial stability.
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ALL IN ONE solution

Our Loan Process...

Pre-Aproval

Get pre-approved and make your homebuying journey smoother from the start.

Shop Homes

Begin collaborating with a real estate agent and start touring potential homes.

Loan Application

A few documents are required to move your loan file through the underwriting process.

Loan Processing

Gather all required documents and relevant information for underwriting review.

Underwriting

The underwriter thoroughly examines every document in the loan package for accuracy and compliance.

Closing

Final loan documents are prepared and forwarded to the title company for closing.

Don’t Just Take Our Word For It

Hear what some of our amazing clients have to say.
Leave a Review!

The Best Team Ever!

Very thankful with Liz and her team. They worked hard to make our dream come true. It was a long and a hard process but they never gave up and walked thru with us. God puts angels in our way but they overcame everything. They always answered all my questions, and that was exactly what we were looking for, a team that were by our side in every step of the process. I highly recommend Liz Estrada and her team. And very greatful we got to meet her and her team!

zuser201511092221370
From Tulare, CA

Making a tough situation easier!

Liz and her team went above and beyond to make sure we got through every obstacle that was thrown our way. Our loan was a tough one. They worked through it with us with ease. Keeping me updated and all questions answered quickly. Couldn't ask for a better team! Very thankful we were put in contact with all of them!

Gamez
From Tulare, CA

Great to work with

Liz walked us through everything and assured everything would work out in the end. It ended up working out better than anticipated!! Definitely recommend

Steven Alvarez
From Tulare, CA

Liz Estrada and team

Liz Estrada and her team was exceptional. They went above and beyond in helping me and my family in buying our dream home. They were very professional, very helpful, very knowledgeable, and their costumer service is way at the top of any scale. I would recommend Liz Estrada and her team and all of the staff with Pacific Lending LLC to everyone I know in a heartbeat. Thank you for everything.

llcoloma71
From Riverdale, CA
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Frequently Asked Questions

Got Questions? We've Got Straight Answers!
What types of loans do you offer?
We offer conventional, FHA, VA, jumbo, and non-QM loans, including customized solutions for self-employed borrowers, entrepreneurs, and investors.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate based on self-reported information, while pre-approval is a more formal process with verified financial documentation.
How long does the loan approval process take?
Typically 21 to 30 days, depending on the complexity of your file and how quickly you respond.
Can I qualify for a mortgage if I’m self-employed?
Yes! We work with bank statement loans, profit and loss (P&L) programs, and other alternative documentation options.
What documents do I need?
You may need personal/business tax returns, profit and loss statements, bank statements, and either a business license or a letter from a CPA.
What’s the first step?
The first step is a consultation or application to review your goals, income, and credit so we can guide you toward the loan that best fits your needs.
What happens after I’m approved?
You’ll receive final approval to close and then schedule your signing appointment. Funds are generally disbursed the same day or the next business day.
What credit score do I need to qualify?
Minimums vary by program, but 620 is typically the benchmark. Some programs allow lower scores with compensating factors.
How much income do I need to qualify?
It depends on your debts, loan size, and loan type. We evaluate your debt-to-income (DTI) ratio to determine eligibility.
How much do I need for a down payment?
As low as 3% for some programs, but 10–20% may be required for others, especially for jumbo or investment properties.
What are closing costs?
Closing costs include fees for appraisal, underwriting, title, and more—typically 2% to 5% of the loan amount.
Can I apply online?
Yes, you can easily apply online through our streamlined application process, which includes secure document upload and convenient access from any device.
Can I pay off my loan early?
Most loans have no prepayment penalty, but we’ll clarify that in the specific terms of your loan.
get connected

Ready to Find Your Way Home?

liz@firstcg.com
(559) 737-0273
525 N Hall St Suite A, Visalia, CA 93291
Contact Information
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About Us
We structure our practice to emphasize client relationships over transactions. Our dedication to client satisfaction is a hallmark of our practice.
Company NMLS#: 1514454
Equal Housing Opportunity
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Get In Contact
Email: liz@firstcg.com
Phone: (559) 737-0273
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The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
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