Welcome!
Welcome to The Yi Team Mortgage On A Mission! I’m Erin Finke, producing sales manager. Let’s get you home with confidence. Here’s everything you need to know.
Buying a home is a big deal, and we’re here to make it smooth, stress-free, and even a little fun.
We don’t just do mortgages—we structure them with your bigger financial and housing goals in mind.
With 25 years of experience and thousands of happy homeowners, we’ve built a process that’s fast, transparent, and proactive.
You’ll get regular updates, quick turn times to meet your deadlines, and a team that stays in full control from start to finish—no surprises, just smooth sailing to closing day.
Plus, we throw in some cool tools and unexpected gifts to make the journey even better.
And when your loan closes, you can feel good knowing it’s making a positive impact on the community. Let’s do this!
FAQ
How long does the mortgage process take?
We close fast. Like, really fast. Our Perfect Loan Process keeps everyone on the same page, so your loan moves smoothly from start to finish. You’ll get regular updates (so will your real estate agent), and we’ll make sure you close on time, without surprises.
What documents will I need?
We’ll guide you through exactly what’s needed, but typically, you’ll need pay stubs, tax returns, bank statements, and ID. The good news? Jen Hansel, our mortgage rockstar, will help handle all the details, so you don’t have to stress.
How much will I need for a down-payment?
It depends! Some loans allow as little as 3% down, and there are even zero-down options available. During our Discovery Call, I’ll review your financial picture with you and help structure the best mortgage strategy to build your wealth—because buying a home isn’t just about getting the keys, it’s about setting yourself up for long-term financial success.
What’s the difference between pre-qualified and pre-approved?
A pre-qualification is a quick estimate of what you might be able to borrow, but a pre-approval is the real deal—it means I’ve reviewed your income, credit, and assets so you can shop with confidence and stand out to sellers. And because communication is our thing, we’ll keep you updated throughout the process so you always know what’s next.
Will I be left in the dark during the loan process?
Absolutely not! My team and I believe great relationships and communication are the key to success. That means you’ll hear from us regularly, and so will your real estate agent. You’ll always know where things stand, what’s next, and when you can expect to close.
Why should I work with you instead of my bank?
We’re not just about loans—we’re about helping you build wealth and reach your financial goals. We take the time to structure a mortgage that works for you now and in the future. Plus, banks are known for being slow and impersonal. We’re the opposite. With faster closings, clear communication, and a team that actually picks up the phone, we make sure your experience is smooth from day one.
Home Loan Timeline
Say Hi To Erin Finke’s Team
Hey there! I’m Erin Finke, and I’m here to make your first-time home buyer experience (or your next home purchase) as smooth, stress-free, and maybe even a little fun as possible. As the team leader at The Yi Team Mortgage on a Mission, my goal is simple—deliver a 5-star experience for every borrower and the incredible referral partners I’m lucky to work with. I’ll guide you through the process, answer your questions, and make sure everything stays on track so when closing day comes, it’s nothing but high-fives and happy tears.
But I don’t do this alone! Meet the powerhouse team of mortgage pros who will be working alongside me—Jen Hansel and Alicia Newberry. After our discovery call, you’ll hear from Jen Hansel, my right-hand woman and an absolute rockstar when it comes to handling your application and documentation. Don’t be surprised when you hear from her—she’s got your back, and I promise you’ll be best friends by the time we’re done.
Whether you’re buying your first home, moving up, or refinancing to save money, I’m here every step of the way. Helping people become homeowners is what drives me—there’s nothing better than seeing someone get the keys to a place they can truly call their own.
Outside of work, you’ll find me spending time with my husband, our two amazing kids, and our two rescue pups. We love being outdoors—hiking, beach weekends, and making the most of every adventure.
At The Yi Team Mortgage on a Mission, we’re more than just a mortgage team—we’re your partners in homeownership, and we’re in this together. Scroll down to read my 5-star reviews, and let’s get you home with Erin Finke!
Guides & Resources
DO’s & DON’TS CHECKLIST
PACKING CHECKLIST
ERIN FINKE’S WELCOME PACK
HOME EQUITY REPORT
WASHINGTON FAMILY AWARD
Let’s Connect!
Erin Finke
Producing Sales Manager, NMLS #536279
240-888-0161
erin@theyiteam.com
Hours of Operation
Monday – Friday
8:30 am – 5:30 pm
Find Erin Finke On Instagram and Facebook @mortgagemama.dmv
I absolutely love the history of Montgomery County. I have lived here for over 30 years yet there is always more to learn and appreciate. I had the pleasure to touring some of Montgomery County’s most historic homes today, and it was a fantastic!!! The homeowners shared all of the history, their personal stories, and of course THEIR HOMES! If was my first year attending but I will be sure to share the registration with all of you for further tours. It was awesome. Amazing work @historicagreserve
#saveoldhouses #agreserve #agriculturalreservemd #poolesville #boyds #bealsville #homehistory #homes #realestate
He doesn’t act 56!!
#lovewhatyoudo
#mortgagelender
#funnystuff
#fyp
#boss
PSA for those considering a a first-time purchase in Maryland!
Not all first time buyers will qualify but if you don’t ask you won’t know! Other qualifications are considered such as credit score, first time buyer status, debt to income ratio and income limits.
AMI (Area Median Income) is determined by location. DM me for more details
#firsttimehomebuyer
#mortgagelender
#homebuying101
#marylandmortgageprogram
#realestate
#realtor
#mortgagetips
When in doubt, bring @taylorswift in to the mix!
#mortgage #loveyourjob #mortgagelender #firsttimehomebuyer #realestate #office
#1 Open up a high-yield savings account. Set up a direct deposit from your paycheck to your high-yield savings account each pay payroll. Not only does this accelerate your savings for down payment, but it also helps you get used to a payment higher than your current rent each month.
#2 Discipline yourself!!! Speak to a lender now to understand a realistic payment for the home you’d like so you can begin adjusting your operating budget. AKA pay attention to the money you’re spending each month to highlight where you can save!
#3 Like any goal, you’ll find success sooner if you break the goal down in to small, actionable steps. For example, setting up the direct deposit ✅ contacting HR to set aside $X.XX per pay period ✅ reviewing your expenses ✅ cancelling subscriptions ✅ speaking a helpful lender who can guide you on realistic payment ✅
Identify the steps that will help you achieve the goal of buying a home and tape them to your bathroom mirror! You’ll be amazed at how motivated and successful you will be when it’s top of mind.
You are capable of ANYTHING if you decide you WANT to make it happen. && guess what? We can help!! 🩷🏆🏡
#realestate #homebuyingtips #homebuying #mortgagehelp #goalsetting #firsttimehomebuyer #mortgagelender #mortgage101 #mortgagetips #realtor #mortgageloans
There are some days in this line of work that are just so hard.
Like, “why do I let people treat me poorly” hard. It happens, way more often than you’d think! Being spoken down to, spoken over, and generally just lack of kindness.
But then, there are days like today, when a sweet client surprises me AND @jenhansel EACH with a treat to say thank you for all that we’ve done to help them. They DID not have to take money out of their pocket to send us chocolate covered strawberries. But they did. And it means the WORLD TO US 🥹🥰
You know who you are!! 🫶🏻🫶🏻🫶🏻🫶🏻
#clientlove #clients #clientappreciation #mortgage #realestate #goodnews
PSA for all home owners who purchased a home in 2020, 2021 and even some of 2022! Could you possibly remove your mortgage insurance?
#mortgagetips #mortgagetipandtricks #mortgageadvice #savingmoney #realestate #realtor #mortgagelender
We all need a little comic relief 😮💨 #husbandprank #pranks #mortgage
Volatility creates confusion and worry - which makes people more susceptible to being taken advantage. I hate that there is so much predatory behavior that still exists! Please read the fine print. OR send to me, and I’ll read it for you 😇
Say it with me! “We don’t buy homes because of interest rates!” If you see/hear that it’s your time to buy because rates are now, I caution you to question the true messaging and source of this information.
A mortgage is likely the largest indebtedness you’ll ever have, and while having a low rate is incredible, let’s remember that there are a multitude to things that need to be present before you buy - “lower rates” is not the reason to buy a home. Do you know how amazing a mortgage is!? How much leverage it provides??
Buying a home can check many more boxes:
- investment/building wealth
- stepping stone for your dream home/portfolio
- interest rate tax benefits
- property tax benefits
- real estate is a time game, not a speed game. The longer you have it, the more equity you have
- PRIDE
- security
- asset leverage
The list goes on. When home buying makes sense for you for the above reasons (not because you heard rates were low and someone told you it was time to buy).
#mortgage #firsttimehomebuyer #mortgagelender #realestate #mortgage101 #mortgagetips #realtor #homebuying #themoreyouknow #mortgagemama
Choose your pretty! You can be anything you want to be ❤️
#girlpower
#girlboss
#momlife
#postivity
#mortgage
#lender
#realtor
#firsttimehomebuyer
