Tania Murray • Emi HomeLoans • El Paso & Las Cruces

If there’s a way to get you home, we’ll find it.

25+ years, top 1% nationally, and a program menu built for real life — military families, first-time buyers, the self-employed, investors, and everyone the big banks put in the “too hard” pile. Meet Team Tania, and let’s get you moving.

Start my application Payment calculator
Instagram @taniagotmurrayed Facebook
Tania MurrayVP / Partnership Lead • NMLS #434562
4 officesEl Paso & Las Cruces
VA + DPAProgram Specialists
Non-QMSelf-Employed & Investor
BilingualSe Habla Español
emi Home Loans | All Western Mortgage, Inc
Who We Are

Hometown brand. National engine.

Emi HomeLoans was born in El Paso and built for the borderland — local loan officers who answer their phones, backed by the resources of a national lender. That’s how we deliver the full program menu below with hometown service, and how more families hear “approved.”

Quick heads-up: your application paperwork will say All Western Mortgage. Same team, same loan officer, same file — you’re in the right place.

Emi is a trade name for All Western Mortgage Inc. • NMLS #14210 • State Licenses • Privacy Notice

Lender of Choice For
Carefree Homes Palo Verde Homes

Lender-of-choice status does not require you to use Emi HomeLoans / All Western Mortgage, Inc.; you are free to choose your own lender.

Meet Team Tania

Three people. One file. Zero guessing where your loan stands.

You’re never handed off to a stranger. Here’s exactly how your loan flows and who’s on it at every step.

Team Tania
1

Apply & strategize with Tania

Your application lands with Tania. She structures the loan, picks the right program, and gives you honest numbers up front.

2

Prequalify & pick your program with Denice

Denice prequalifies you, walks through your options, gathers your paperwork, and locks in the best possible program for your situation.

3

Close with Sandra

Sandra coordinates title and closing documents, works with the processor and underwriter, and drives your clear-to-close. You show up, sign, and smile — you’re home.

Tania Murray

Tania Murray

VP, Emi HomeLoans • Loan Strategist

25+ years of loan strategy. She structures your file, picks the path, and gets it done. NMLS #434562

Denice Herrera

Denice Herrera

Senior Loan Officer • Team Tania

Prequalifies you, walks you through your options, gathers your paperwork, and finds the best possible program for your situation. NMLS #217445

Sandra Martinez

Sandra Martinez

Senior Loan Officer • Team Tania

Takes you to the finish line — coordinates title and closing documents, your clear-to-close, and works hand-in-hand with the processor and underwriter. NMLS #1391141

Loan Programs

A menu built for real life — not just perfect paperwork.

The favorites are here: VA, FHA, conventional, and Texas down-payment assistance. But where Team Tania really shines is everything below — programs for buyers other lenders turn away.

VA Loans

Military families & veterans — our specialty, Fort Bliss to everywhere.
$0 down for qualified buyers • offers listing agents respect

Down-Payment Assistance

First-time & qualifying buyers using TDHCA, TSAHC & Mi Casa programs.
Can cover down payment + closing costs for eligible buyers

FHA & Conventional

The classics, structured right on day one for smooth closings.
Competitive rates • fast, clean approvals

Bank Statement Loans

Self-employed & business owners whose tax returns hide their real cash flow.
Qualify on 12–24 mo. of deposits • up to 90% purchase • FICO from 600

Profit & Loss Loans

Business owners with messy bank statements — qualify on a CPA-prepared P&L.
Up to 85% purchase • FICO from 620 • no bank statements needed

1099 Loans

Contract workers whose write-offs shrink their qualifying income.
Qualify on gross 1099 income • up to 90% purchase • FICO from 600

Asset Qualification

Retirees & high-net-worth buyers living off assets, not paychecks.
Assets become qualifying income • up to 80% • FICO from 600

DSCR Investor Loans

Real estate investors — the property’s rent qualifies, not your paystubs.
No personal income docs • up to 85% purchase • up to 9 units

Medical Professional

Doctors, dentists, vets, CRNAs — including residents with a signed offer.
Up to 100% financing, no MI • qualify on future income

WVOE Loans

W-2 earners with variable pay that paystubs don’t fully show.
Employer-verified earnings • up to 90% purchase • FICO from 640

ITIN & Foreign National

Buyers without a Social Security number or U.S. credit history.
ITIN up to 85% • Foreign National up to 75%, foreign credit accepted

Land, Farms & Barndos

Rural homes, hobby farms, and barndominiums traditional lenders decline.
No acreage limit • 10/15/30-yr fixed options

HELOCs & Second Liens

Tap your equity without touching your first mortgage’s rate.
$50K–$1M • up to 90% combined LTV

Program details are illustrative summaries, vary by scenario, and are subject to change and to credit and property approval. Ask Team Tania which programs fit your situation.

What Clients Say

Real families. Real keys.

4.69★ from 939 verified client reviews. Read them all on Experience.com, Zillow, or Google.

★★★★★

“We closed without any issues … funded as scheduled.”

Leticia V. • Verified review, Experience.com
★★★★★

“Communication was excellent and clear.”

Robert J. • Verified review, Experience.com
★★★★★

“Teamwork is what made this file close!”

Marianne A. • Verified review, Experience.com
Good Questions

Answers before you even ask.

Will applying hurt my credit?

Applying involves a credit check, and the effect on your score is typically small. Credit scoring models also treat multiple mortgage inquiries within a short shopping window as one event — so getting prequalified with us won’t wreck your credit, and Denice will walk you through your report line by line.

How much do I really need for a down payment?

Sometimes nothing. Qualified VA buyers can purchase with $0 down, and Texas down-payment assistance programs (TDHCA, TSAHC, Mi Casa) can cover down payment and closing costs for eligible buyers. Most conventional programs start at 3–5% down. Run your scenario on our payment calculator or just ask.

How long does it take to close?

A well-structured file typically closes in about 21–30 days. Our 3-step team flow exists so your file is structured right on day one — that’s where speed comes from.

I’m self-employed and my tax returns look terrible. Can you help?

This is our specialty. Bank statement, P&L, and 1099 programs qualify you on real cash flow instead of after-write-off taxable income. Bring 12–24 months of statements and let Denice find your program.

Do you lend in New Mexico?

Yes — we serve borrowers across Texas and New Mexico, with offices in El Paso and Las Cruces.

What if another lender already said no?

Send us the scenario. Between our program menu and our layering approach (combining income types, asset utilization, using the primary earner’s credit score), “no” is often just “not structured right yet.”

Get Ready

Your loan paperwork checklist.

Gathering these before you apply makes your approval faster. Don’t have everything? Apply anyway — Denice will tell you exactly what your file needs and nothing more.

Everyone needs

  • Government-issued photo ID (driver’s license or passport)
  • Most recent 30 days of pay stubs
  • W-2s for the last 2 years
  • Federal tax returns for the last 2 years (all pages)
  • Most recent 2 months of bank statements (all pages)
  • Current mortgage statement, or landlord name & contact if renting

Self-employed & 1099

  • 12–24 months of business or personal bank statements, or
  • CPA/tax-preparer Profit & Loss statement, or 1099 forms
  • Business license or proof of 2+ years self-employment
  • Business tax returns if filed (all pages)

VA & military families

  • Certificate of Eligibility — don’t have it? We can pull it for you
  • DD-214 (if separated or retired)
  • Most recent LES (if active duty)
  • Statement of service letter (if applicable)

If it applies to you

  • Retirement, Social Security, or pension award letters
  • Divorce decree or child support order
  • Bankruptcy discharge papers
  • Gift letter, if a family member is helping with funds
  • ITIN documentation (no Social Security number needed)
Never email your documents. Once you apply, you’ll get a secure upload link — that’s the only place your paperwork should go. If anything looks off, call us at (915) 540-5664 before sending a thing.
The name is the mission

Every Military family — Included

VA expertise that makes your offer the strong one.

Every Mom — Invested in

Down-payment help that turns renters into owners.

Every Man — In the door

Honest math, no judgment, a real path to yes.

Smile, You’re Home.The Emi HomeLoans promise

Fun fact: emi (笑み) means “smile” in Japanese. Smile, You’re Home isn’t just a tagline — it’s in our name.

Ready? Your application takes about 15 minutes.

Not ready? Run your numbers first, or DM us — real humans answer.

Apply now Payment calculator