Emi Funding | Home Loans by LoanPeople
Mobile: 915.248.6551
NMLS: 1497244
Email: Liz.Urbina@EmiFunding.com
State Licenses: TX & NM
Liz is available to assist you:
- Five-star service,
- Great rates and fast closings,
- Solutions for home purchase, refinance, and renovation!
Thank you for the opportunity to earn your business.
About
Liz Urbina is a dedicated and experienced Sr. Loan Officer with Emi Funding, based in El Paso, Texas. She brings a wealth of expertise in assisting clients loan programs including but not limited to conventional, FHA, VA, USDA, down payment assistance, non-qualified mortgage (non-QM) loans, ITIN (Individual Taxpayer Identification Number) financing, and DSCR (Debt Service Coverage Ratio) loans for investment properties. Liz ensures each client finds a great fit for their unique financial situation, guiding them seamlessly through the process.
Mortgage Lender Reviews
5 Stars
Jul. 03, 2025 by Moises S.
El Paso, TX
Liz provided the best customer service. She was very attentive to all our needs. We are first time home buyers and she made this process so easy for us. I definitely recommend her services to everyone one. Thank you so much for everything Liz🙂🙏
5 Stars
Nov. 04, 2021 by Sergio F.
El Paso, Texas
Going through the processes of a mortgage approval is really stressful. Luckily for me and my wife they walked us through the whole process in a trustworthy manner. The professionalism that Liz , our agent, showed was above and beyond of what we were...
Home Loan Programs
Purchase
LoanPeople offers fast closings for purchase loans with constant communication to all parties throughout the loan process. We are grateful to serve you.
Refinance
Reasons to refinance: reduce rate and/or loan term, remove mtg. insurance (PMI), receive cash back for debt consolidation and home renovation.
FHA & USDA
LoanPeople offers incredible rates for government loan options including: FHA, USDA, and VA. Fast closings for purchase and refinance home loans.
Conventional
Conventional loans are the most common loan type in the U.S., offering low rates and fast closings for purchase and refinance home loans.
Condos
In-house condo underwriting streamlines the loan process for condos new, old, and everything in-between.
Non-Warrantable
Loan options for non-warrantable condominiums with a smooth process for customers, agents, and developers.
VA
VA loans offer 100% financing for veterans, servicemembers, and surviving spouses, with sufficient entitlement.
Investor
LoanPeople offers investment property loans for borrowers with more than 20 financed loans. Purchase and refinance.
Jumbo
LoanPeople offers a wide array of jumbo products for purchase and refinance loans with higher home loan amounts.
Jumbo Investment
LoanPeople offers jumbo products, including for investment properties. Great rates, on-time closings.
Asset Qualifier
Loan products for customers using assets toward qualifying income calculation. Purchase and refinance loans.
Close in LLC
LoanPeople offers financing options for closing in an LLC. More products, more solutions, close on time. Purchase and refinance.
Non-QM
Non-QM loan products available for out-of-the-box financial situations. Purchase and refinance loans.
DSCR
Debt-Service Coverage Ratio (DSCR) products use rental income for loan qualification. Purchase and refinance.
HELOAN
Home Equity Loan (HELOAN) taps equity in property to offer customers a fixed, upfront lump sum of money.
2nd Liens
Wide range of options for transactions in need of a second loan balance.
Bank Statement
Loan products for transactions using bank statements to fulfill documentation requirements.
ITIN & Foreign National
Loan products for borrower(s) with ITIN and foreign national residencies.
Renovation
Home loan products for Conventional, FHA, VA and more reno solutions.