Shimene Willard

Branch Manager

NMLS# 220045

432.528.6597
[email protected]
1901 E 37th St, Ste 201, Odessa, TX 79762

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It has been my privilege to help families achieve the dream of homeownership in West Texas for many years! I deeply appreciate every referral, and the greatest compliment I can receive is knowing that, years later, I’m still a trusted Mortgage Advisor. Homeownership holds different meanings for everyone. It’s more than just a place to live—it’s where memories are made and dreams come to life. Whether you’re a first-time homebuyer just getting started or ready to make real estate work for you, I’d be honored to be part of your journey. Owning a home is still a dream for many, and your new memories and opportunities are just a phone call away!

Serving: TX

Resource & Guides

Get Pre-Approved

Wondering how much home you can afford? Getting pre-approved for your next home loan gives you a clear picture of your buying power before you start shopping. It helps you set realistic expectations, target the right price range, and make stronger offers when you find the home you love. Pre-approval also gives you an advantage in competitive markets, showing sellers that you’re a serious and prepared buyer.

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Refinance Your Home

Refinancing your home can be a smart way to reach new financial goals, whether you’re looking to lower your monthly payment, shorten your loan term, or access your home’s equity for cash. Life changes, and your mortgage should be able to change with it. By reviewing your current rate and exploring today’s programs, you could save money, build equity faster, or create extra flexibility in your budget. Let’s explore your refinancing options and find the best fit for your needs and long-term plans.

Simplify My Finances

Down Payment Assistance

Buying a home can feel overwhelming, especially when it comes to the upfront costs. The good news is that there may be down payment assistance programs designed to help, and many people do not even realize they qualify. Taking a moment to explore your options could make a big difference in how soon you are able to buy. See what help is available and take a simple step toward homeownership.

Find Assistance

Start Smart

Share a quick snapshot of your budget and goals, and your loan advisor will set clear process expectations.

Get Pre-Approved

Apply online, upload documents, and after review and verification, receive a pre-approval letter to strengthen offers.

Finish Strong

Once your offer is accepted, we streamline underwriting to closing, then you sign and get your keys.

Meet My Team

We make it happen by combining our expertise, dedication, and personalized approach to ensure your dream home becomes a reality.

Deanna Cagle

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