970.241.6100 info@majormtg.com

Gina Balderas

Loan Officer

NMLS #2074074


Gabe Rodriguez | Major Mortgage | Mortgage Junior Loan Officer | Grand Junction, Colorado

About Gina Balderas

The Mortgage Road Map

Mortgage Calculator

Documents You Need To Start

Contact Gina


About Gina Balderas

I am definitely a stereotypical Colorado Native. I participate in all of the typical Colorado outdoor activities while driving around in a Jeep sporting a Big Foot Sticker. I am all about maintaining a work-life balance and making fun memories. Spending time with my adult children means I always have something scheduled on my calendar. I like to stay in motion by attending sporting events, going to the gym, supporting live music, and sponsoring local benefits.

Gina’s Qualifications

My career as a Financial Service Professional has been filled with Home Loan Financing, Insurance Sales, and providing accounting services to the Investment, Manufacturing, and Oil and Gas industries. Working with numbers and assessing financial risk is how I serve the community best. Managing sales and accounting teams throughout the United States has proven to be a great motivator with no challenge too large.

Gina’s Areas Of Expertise

I enjoy working with First Time Home Buyers and existing homeowners interested in starting their Real Estate Investment portfolios. Being able to play a part in helping someone secure the dream of owning a home of their own is such a rewarding feeling. My motto is “make your money make money”! The best way to bring that to life for me is to help existing homeowners build a source of retirement income by providing financing on their investment properties. Every day my goal is to help someone save money, make money, or start the journey to building memories. As your Loan Consultant, I will work diligently towards reaching these goals with your best interest at hand.

Roadmap To Your New Home Loan

Step One: Pre-Qualification

We will have you fill out an application on our website. This will allow us to pull credit. We will also collect income and asset documentation to make sure you have a solid pre-qualification. Once you are pre-qualified, we can give you an idea of the price range of house you can afford, so that you can start house shopping!

Step Two: House Shopping

Once you have been pre-qualified, you can contact your agent or realtor and start shopping for houses you like in the range you can afford. Once you find a house you want, you will make an offer and we will begin the process of setting up your loan.

Step Three: Setup and Processing

Once your loan moves to processing we will be updating and verifying all of the information you provided to us at pre-qualification. We will also order and appraisal, title work and insurance for your property. Keep an eye out for communications from us so that you can help us make the process faster. Processing will analyze your situation and prepare your loan for Underwriting.

Step Four: Underwriting

Once your loan has made it through processing it will move to our Underwriting Department. Underwriting will review your loan and all documentation to verify that it meets all guidelines and make sure everything is in the clear for closing.

Step Five: Closing

You will receive closing instructions with the day, time, and location of your closing. You will also receive a Closing Disclosure 3 days before you loan closing date that you will need to sign so keep a look out for it.

Step Six: You’re A Homeowner!

Congratulations! You’re A New Homeowner!

Mortgage Calculator

Documents You’ll Need To Get Started

30 Days Most Recent Pay Stubs

We use this to make sure we have an accurate income calculation upfront and to speed up your approval process.

Driver’s License and Social Security Card

Required for all loans as part of the patriot act.

Copy Of Mortgage Statement For All Properties Owned

We need these for all properties you own so that we know which loans go with which properties.

Previous 2 Years W-2s or 1099s

We use this to make sure we have an accurate income calculation upfront and to speed up your approval process.

Homeowner’s Insurance Agent Name and Phone Number

Please provide us with the name and phone number for your agent.  We can give referrals if needed.

Copy Of Most Recent Two Years Tax Returns

If you’re self-employed, have rental property, or certain types of dividend, or retirement income we may have to ask you for a copy of your tax returns.  This would also include business tax returns for self-employed borrowers.

Gina’s Articles

Refinancing With A Fixed Income

Many seniors live on a fixed income such as retirement, disability, and social security. At some point the income received becomes an amount that barely meets their needs while cost of living continues to increase and is not keeping up with income trends.Home owners...

Understanding Conventional Loans

The amount of funds you have available for your down payment will make a difference on the programs you will be eligible for. As a buyer the sooner you can be proactive in saving up a sizable down payment will increase the opportunity of you qualifying for a Conventional loan.

Colorado Down Payment Assistance Programs

Home buyers who have not owned a home in their name in 3 years are considered first time home buyers when looking to secure a home loan. Purchasing a Home Purchasing a home is a big step towards one of the biggest investments and purchases you can make. Home buyers...

How Your Home’s Equity Can Pay Off Financial Debt

Home refinances are very common and most homeowners will refinance within the first two years of purchasing their home.

COVID And Refinancing

COVID was an event no one could foresee and made many of us feel unprepared. The average American household was already living paycheck to paycheck. Experiencing a financial challenge like the one faced with COVID and its lifespan has sent many homeowners into limbo and a state of hopelessness.

What Is The Difference Between A Buyers Market And A Sellers Market?

How did they get so much money for their home sale? How did they get such a low price on their home purchase? The right time is always now. The Housing market is a strong indicator of the strength of the economy.

Refinancing A VA Loan

United States Department of Veterans Affairs Home Loan programA VA loan is a mortgage option issued by private lenders and partially backed by the Department of Veterans Affairs. Eligible borrowers can use a VA loan to purchase a property for a primary residence or...


Office: 720.446.8993
Mobile: 720.285.0475
Email: gbalderas@majormtg.com

2474 Patterson Rd #200
Grand Junction, CO 81505

Contact Gina Balderas

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