Communication. Care.
Confidence.
Gaby Perez of The Clausen Team finds you the home. Jorge and the 92 Mortgage Team make the financing work in your favor. Together, you get one strategy, two specialists, and zero surprises from first call to closing day.
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One Agent. One Lender.
One Conversation.
Most homebuyers find a Realtor and a lender separately, then spend the entire process translating between them. Different timelines. Different terminology. Different ideas of what comes next.
That's where mistakes happen. Offers fall apart. Closings get delayed. Buyers lose homes they should have gotten.
When Gaby and Jorge work together for you, every step is coordinated. You get one game plan, one calendar, and two specialists who already know how the other one operates.
Three Steps to the Keys
A clear, coordinated path from your first conversation to the day you move in.
Get Pre-Approved
Before you tour a single home, know exactly what you can afford and which loan programs you qualify for.
- Review credit, income, and down payment
- Identify assistance programs you qualify for
- Issue a strong pre-approval letter
- 24-72 hour turnaround
Find Your Home
Tour homes that match your budget, your timeline, and your must-haves. No wasted weekends on properties out of reach.
- Curated property search
- Private and on-market tours
- Local market intelligence
- Strategic offer positioning
Close On Time
From accepted offer to closing day, your agent and lender are in sync at every milestone. Zero surprises.
- Coordinated escrow timeline
- Inspection and appraisal management
- Clean closing disclosure review
- Keys in hand in 30-45 days
Two Specialists. One Outcome.
Gaby Perez
Gaby Perez brings warmth, sharp market knowledge, and a genuine commitment to her clients at The Clausen Team. From first-time buyers to move-up families across the Phoenix Valley, she guides every step with clear communication and a personal touch — explaining the details, advocating hard in negotiations, and staying in your corner long after closing.
Jorge Espinoza
Jorge built 92 Mortgage Team on one conviction: every family deserves someone who explains the mortgage process without pressure and without jargon. Conventional, FHA, VA, USDA, and Arizona down payment assistance programs — all on the table. Pre-approval letters issued in 24-72 hours.
What You Actually Need to Buy a Home
Forget the myths. Here's what really matters when it comes time to qualify.
Credit Score
Many programs allow scores as low as 580. We'll show you where you stand and how to strengthen fast.
Down Payment
Forget 20%. Conventional starts at 3%. VA and USDA can be 0%. Plus AZ assistance programs.
Income & Debt
Lenders look at debt-to-income ratio. We'll calculate yours and tell you exactly what to optimize.
The Right Home
Gaby knows the Valley block by block. We focus your search on properties that actually fit.
What Clients Are Saying
Gaby went above and beyond from the first showing to handing us the keys. She explained every detail and never made us feel rushed. We finally have the home we'd been dreaming about.
Jorge made the mortgage side genuinely simple. The pre-approval came back in 48 hours and when we found our home with Gaby, everyone was already on the same page. Closed without a hiccup.
We were nervous about a custom build, but having an aligned team made all the difference. Gaby managed the property side and Jorge kept the financing locked in. Felt like a luxury concierge service.
Pick a Time That Works for You.
Fifteen minutes. No pressure, no commitment, no sales pitch. Just a clear conversation about where you stand and what's possible.
This call gives you access to both Jorge for financing strategy and an intro to Gaby with The Clausen Team for your home search — together, in one coordinated conversation.
- Review your mortgage scenario and pre-approval options
- Identify Arizona down payment assistance you qualify for
- Discuss your home search criteria and target neighborhoods
- Walk through your 30-90 day game plan
Answered Honestly.
The questions every first-time and move-up buyer asks, answered together.
No. This is the biggest myth in homebuying. FHA loans require 3.5%, conventional loans can go as low as 3%, and VA and USDA loans can require 0%. Down payment assistance programs are also accessible in Arizona — Jorge will walk you through every option you qualify for.
A mortgage pre-qualification uses a soft pull that doesn't impact your score. A full pre-approval involves a hard pull that temporarily lowers your score slightly. Multiple mortgage inquiries within 45 days count as one inquiry, so shopping around is safe.
Pre-approval can be issued within 24-72 hours if your documentation is prepared. Gathering documents or addressing credit or debt-to-income concerns may extend the timeline to 1-3 weeks. Jorge provides realistic timelines during your initial consultation.
Permanent residents, DACA recipients, and non-citizens with valid work authorization can qualify for most loan programs, including FHA. ITIN loan programs also exist for buyers without Social Security numbers.
You're not alone, and you're not disqualified. Most buyers have at least one area that needs work. Credit typically improves within 60-120 days with proper planning and strategy — Jorge will build the plan with you during your free consultation.
Let's Talk About Your Home.
Two specialists. One coordinated plan. Zero pressure. Book your free 15-minute strategy call and let's figure out the next move together.