Iris Villa

Iris Villa is a Senior Mortgage Loan Officer with Point Mortgage Corporation and has been helping individuals and families achieve homeownership for more than 25 years. Based in Chula Vista and serving homebuyers throughout San Diego and Riverside Counties, Iris specializes in helping first-time homebuyers understand their financing options and navigate the mortgage process with confidence.

A significant part of Iris's practice focuses on first-time homebuyer and down payment assistance programs, including City of Chula Vista and San Diego-area homebuyer assistance programs, CalHFA, FHA, VA, conventional financing and other solutions designed to make homeownership more attainable.

Iris is especially passionate about working with buyers who may not know where to begin. Whether a client is ready to purchase today or needs a strategy to improve credit, save for a home, understand qualification requirements or prepare for a future purchase, her goal is to provide a clear and realistic path toward homeownership.

With decades of mortgage experience, Iris brings extensive knowledge of loan programs, underwriting guidelines and creative financing strategies to every transaction. She works closely with homebuyers and their real estate professionals from pre-approval through closing, with an emphasis on communication, education and thoroughly prepared loan files.

As part of The Villa Lending Team at Point Mortgage Corporation, Iris serves first-time buyers, move-up buyers, veterans, self-employed borrowers and real estate investors throughout Southern California.

For buyers searching for a first-time homebuyer lender in Chula Vista, down payment assistance in Chula Vista or mortgage guidance throughout San Diego County, Iris and The Villa Lending Team are available to help you understand your options and create a plan for your next home.