Your advantage in every move.
Personalized mortgage guidance for buyers, homeowners, and investors who value experience, access, and options designed around the bigger picture.
Where are you headed?
Four directions, one guide. Tell me your goal and I'll map the financing that gets you there.
Purchase
Prepare confidently, strengthen your offer and choose financing that fits both the property and your future plans.
Invest
Explore DSCR, bank-statement, short-term rental and portfolio options designed for real estate investors.
Refinance
Review your rate, payment, loan term, equity and overall financing to determine whether a refinance makes sense.
Build Wealth
Put real estate and home equity to work through thoughtful financing, equity solutions and investment opportunities.
Options for every situation
Buy a Home
Pre-approval, offer strategy and financing guidance for primary residences, second homes and new construction.
Self-Employed Borrowers
Bank-statement and profit-and-loss programs for business owners whose income doesn't fit a traditional W-2 box.
Real Estate Investors
DSCR, short-term rental and portfolio financing built around cash flow rather than personal tax returns.
Refinance
Rate-and-term or cash-out refinancing to lower your payment, change your term or access your equity.
Tap Into Your Equity
HELOCs and second-lien options to put your home's equity to work without restructuring your first mortgage.
Unique Loan Solutions
Private money, reverse mortgages, ITIN and other specialized programs for scenarios outside the conventional box.
From bank-statement and DSCR loans to HELOCs, private money, reverse mortgages, ITIN and other specialized programs, I help clients find options beyond the traditional lending box.
Not every loan fits inside a bank's box.
That's where I come in.
Self-employed income, expanding investment portfolios, unusual properties or a loan another lender could not complete—I know how to look beyond the obvious answer and find the path forward.
Why work with Ally?
Direct Access
You work directly with Ally—not a call center or a rotating team.
More Options
Access to multiple lenders and programs rather than one bank's limited menu.
Offer Support
Communication with you, your agent and the listing agent when your offer is on the line.
Experienced Problem-Solving
Guidance for conventional loans and complex scenarios that require more knowledge and creativity.
Ally Palacios
Senior Mortgage Broker & Advisor
More than a decade of mortgage lending, on your side.
With more than a decade in mortgage lending, Ally Palacios combines extensive industry knowledge with the personal access of an independent mortgage broker.
After years of helping buyers through Zillow Home Loans, Ally created The Mortgage Ally to give clients more options, clearer guidance and a more personal lending experience.
Known for her communication, persistence and ability to navigate difficult scenarios, Ally specializes in purchases, real estate investors and refinancing.
A simple, guided process
Let's Talk
Tell me what you're working toward, what matters most and where you may have experienced challenges.
Review Your Options
I compare available programs and lenders to identify the options that fit your situation.
Make Your Move
I stay involved with you and the other parties from preapproval through closing.
Hundreds of clients. One consistent experience.
Clear communication, creative solutions and someone genuinely invested in getting you to the finish line.
Whatever your next move, let's make it count.
Whether you're purchasing, investing, refinancing or looking for a better way to use your equity, it starts with understanding your options.