Hi There!

Thanks for the opportunity to assist with your mortgage financing needs. With over 20 years in the industry in various production and operations roles, I have a solid working knowledge of a wide variety of loan programs, an understanding of the ebb and flow of underwriting guidelines, and if I don’t know the answer off hand I know how to find it.

I fell into the industry many years ago as a fluke and found that I had a natural flair for the work. The love of helping a family get into their first home, or an empty nester on fixed income be able to refinance to afford a better lifestyle, came later as I began to get more comfortable with navigating the complexity of each individual transaction. At the end of the day,
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WHAT ARE PEOPLE SAYING ABOUT KAREN WOOD

Karen was very helpful and answered my concerns. She gave good explanations. She was kind.
- Carlos A B.

Karen was extremely professional, knowledgeable, and patient. She explained each step of the loan process, making sure we understood. I am so glad my husband and I had her to guide us through this process.
- Lynda K R.

Honesty Friendly Prompt Communication Made the process a pleasant experience 🙏🏽
- Ralph D.

Karen was all the things you want in a Loan Officer – really knew her stuff, helpful, responsive, but beyond that she treated you as a friend and had your best interest at heart. Karen made the whole process easy and kept me informed the whole way. I can’t say enough good things - I would highly recommend Karen to anyone and everyone!
- Melissa K H.

I felt I was guided by her hand , felt comfortable to communicate my doubts/fears. Karen was the perfect choice for my needs. I am very grateful I was recommended to her
- Maritza A V.

This was our first home purchase and Karen was very understanding and helpful. She was always willing to explain things and go the extra mile to ensure the best for my wife and I.
- Tyler G C.

Karen was a pleasure to work with. Very timely response times to all questions. She did a great job explaining all the details in understandable terms. We would absolutely recommend to friends and family.
- Thomas R.

Karen was great she was attentive and answered all my questions
- Cecilia I V.

Karen exceeded my expectations of communication and explained everything thoroughly. She was awesome to work with!
- Sirena B V.

Great communication.
- Max P.

Karen was extremely knowledgeable regarding the loan process, and she was able to answer every question and concern we had along the way. When we encountered any issues, Karen was able to find solutions and keep us at ease during this process. She always kept us up to date on everything that was happening with our loan. We would highly recommend her!
- Keri F.

Karen was an excellent communicator and kept us abreast of everything we needed. I enjoyed her professionalism and her transparency throughout this whole process.
- Ernie R W.

Karen went above and beyond during the entire process. She answered all of my ridiculous questions and took time after hours to help explain things and the process to my wife and I. I am very thankful for everything she did for us during our home purchasing process and I WILL refer her to anyone I know looking for a lender.
- Scott E.

Karen did an amazing job! She was very quick in all responses and made herself available immediately for any questions I had.
- Sarah L S.

Karen made this experience as stress free as possible and she was very easy to talk to. She explained everything thoroughly, was always honest, and checked up on us frequently.
- William C R.

Karen was always available, always respond ans explained any questions we had and works hard to help us meet our needs. I'm really happy. We really don't trust anybody and with Karen we were finally able to refinance our House. Thanks Karen you rock! and Republic Mortgage has a great employee!
- Vanessa M G.

Very responsive, so knowledgeable and walked us through each step of the process
- Diana G K.

Karen was awesome and easy to reach with questions. She was very informative and great overall!
- Christopher W K.

We have had the privilege of working with Karen on multiple occasions. She did our first refinance when interest rates started to drop. That process was so smooth and she was able to explain everything that was going on with ease. About six months later Karen reached out to let us know rates had gone down even further and asked if we were interested in running numbers to see if it would make sense to do another refi. We moved forward with this process and in total Karen was able to save us $350 a month plus we were able...
- Rachel

Karen, was my manager when I started in the mortgage industry about 15 years ago. I still remember how she took me under her wings and taught me the ropes. I remember her saying two important things.. 1. Be honest to the client whatever the situation maybe. They will accept your honesty. 2. Make sure you've tried every avenue to make sure that a client's loan is approved. She has in-depth knowledge with regards to loan products which is a key to a loan officers success. She has excellent time management skills. Highly...
- Ajay B.

Hi There!

My dedication to helping clients understand the mortgage process and the reason we do the things the way we do is what helps folks feel confident at that closing table. All questions are valid and no concern is too minor. I understand that knowledge brings comfort and confident decision making. If a part of the process is confusing or unclear, we’ll talk through it. With this practice, I strive to retain long term client relationships- people whose names and kids I can remember as their homes grow with their families; people who can call me a year after closing to ask a question about their escrow analysis and I know exactly who they are.

A 35+ year transplant of Houston, I live in Tomball with my two kiddos, four dogs, and an elderly cat. I enjoy travel, music, art, good food, good company, and good conversation. If we are a good fit, I look forward to working with you!

Documents Needed:

A clear copy of your VALID, government-issued photo ID
Most recent 30 days’ worth of pay stubs
Most recent two years W2s/1099s/ K1s (as applicable)
Most recent two months bank statements for all of your asset accounts, ALL PAGES
If you are self-employed:
- Most recent two years personal Federal Tax Returns, all pages and schedules
- Most recent two years Corporate Federal Tax Returns, all pages and schedules (for any entity you own 25% or more of)
- YTD P&L
If you own any real estate:
- Most recent mortgage statement, or evidence the property is owned free and clear
- If non-escrowed:
  - Most recent hazard insurance declarations page (showing the yearly premium)
  - Most recent property tax bill from all taxing jurisdictions
- Most recent HOA bill, if applicable
If you are a non-resident:
- Front and back of permanent resident card, OR
- Valid VISA