Mortgage Loan Originator Jovan Cardoza at EMC, serving clients since September 2024, brings four years of mortgage industry expertise, specializing in first-time homebuyers. Fluent in Spanish, Jovan empowers a diverse clientele with clear, confident guidance. She prioritizes education and personalized solutions, ensuring your home is a blessing, not a burden. Jovan focuses on realistic budgeting and smart planning, never pushing unsuitable loans. Whether you're dreaming of homeownership or ready to apply, she offers integrity, care, and encouragement. A devoted wife and mother of four, including a child on the autism spectrum, Jovan brings patience, empathy, and dedication to every client relationship.