We sit down with Adri to unpack homebuying in a tough market, the real work behind mortgage lending, and the joy and cost of new motherhood. Practical steps, clear definitions, and candid stories show how to prepare, negotiate, and buy with confidence.

• Dominican Republic trip with a one-year-old and why travel hits different as parents
• Birth story, unexpected C-section, and the reality of recovery
• What a branch manager and loan officer actually does day to day
• Serving immigrant buyers through education on credit, savings, and loans
• Affordability squeeze and why days on market create buyer leverage
• How to negotiate seller credits and buy in a slower market
• Property taxes, escrows, and why fixed payments still rise
• Credit score shocks from medical collections and how soft pulls help
• Understanding DTI: front-end vs back-end and safer ranges
• A 12-month prep plan to get mortgage-ready with accountability
• Licenses, family roots in real estate, and career growth
• Faith, seasons of service, and finding purpose in motherhood

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