Ella-Al-Maliki.jpg

Ella Al Maliki

Originating Branch Manager

NMLS: 2270611

Ella Al Maliki

Originating Branch Manager

NMLS: 2270611

Ella-Al-Maliki.jpg

City First Mortgage

(312) 566-6864ella.almaliki@city1st.com

What’s It Like
Working With Me?

I offer personalized, transparent service and tailored solutions for a smooth, stress-free home financing experience.

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About Ella Al Maliki

Bilingual | English/Arabic

I am dedicated to providing you the highest level of service and care. With hundreds of loan programs available, I will help you find the one that fits your goals and budget.

Specializing in: Construction Loans, Home Improvement Loans, New Home Purchases, and Cash-Out/Debt Consolidation Refinances.

Let me take the hassle out of your next mortgage.

Address:

6680 Richmond Dr, Frisco, TX 75035

Licensed:

California, Colorado, Illinois, Michigan, and Texas

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4 Easy Steps.

Ready to Get Started?

Applying online takes just a few minutes through a secure digital process. Click the button below to get started, and your loan officer will follow up to walk you through the next steps.

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  • Application

  • Approval

  • Verification

  • Closing

How to Get Approved

01

Pre-approval

Get a head start by securing your pre-approval. This step helps you understand how much you can borrow, giving you a clear picture of your budget and boosting your confidence when house hunting.

02

Find Your Home

Now that you know your budget, it’s time to find the perfect home! Your real estate agent and our team will work together to ensure your dream home is within reach.

03

Submit Your Loan Application

Once you’ve found the home, the next step is submitting your official loan application. We’ll guide you through providing all the necessary documentation to make this process as smooth as possible.

04

Underwriting

During underwriting, we carefully review your financial information and the property details. This ensures everything meets the required guidelines. Our team will keep you updated throughout the process.

Estimated total monthly payment$0
  • Principal & interest$0
  • Property taxes$0
  • Homeowners insurance$0
  • Mortgage insurance$0
  • HOA dues$0
  • Amount financed$0

Enter your figures above and select Calculate payment.

Important disclosures These calculators are provided for general educational purposes only. All figures are estimates based solely on the information you enter and do not constitute an application, a quote, a rate lock, an offer to lend, or a commitment to lend. Actual payment amounts, qualifying ratios, and loan terms will vary based on the loan program selected, credit history, property type, occupancy, loan-to-value ratio, reserves, and other underwriting factors, and are subject to credit approval and program guidelines. Estimated payments include principal and interest plus any taxes, insurance, mortgage insurance, and association dues you enter. They do not include flood insurance, special assessments, vacancy, management, maintenance, or other costs that may apply. Debt service coverage ratio methodology, minimum ratio requirements, and qualifying rent documentation vary by investor and program; the target ratio used here is the value you enter and does not represent a City First Mortgage or Gold Star Mortgage guideline. Property taxes and insurance premiums may change over time, and your actual payment may vary. Interest rates are not provided by these tools and must be entered by you. Investment property financing is not available in all states. For a personalized review, please contact a licensed City First Mortgage loan officer.

More About Us

01

Our Vision

To be the first call in every community we serve, trusted for straight answers and a lending process that respects your time.

02

Our Culture

We work as one team. Loan officers, processors, and underwriters stay connected so your file keeps moving and you always know where it stands.

03

Our Values

Honesty in every conversation, accuracy in every document, and respect for the people trusting us with the largest purchase of their lives.

Loan Programs to Fit
all Homeownership Dreams

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Follows standard guidelines, designed for qualified borrowers with flexible terms.

Conventional Loans

Popular option. Flexible terms.

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Government-backed with lower down payments, helping more buyers qualify for a home.

FHA Loan

Low down payment. Easier approval.

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Exclusive to veterans and military members, offering reduced upfront costs and flexible qualification.

VA Loan

Veteran benefit. Flexible terms.

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Affordable financing designed for eligible buyers in rural and suburban areas.

USDA Loan

Rural homes. Affordable paths.

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Covers higher-priced homes that exceed conventional loan limits with flexible options.

Jumbo Loans

Large loans. Higher limits.

Family unpacking moving boxes in the living room of their first home

First-time buyers have access to programs combining low down payments, reduced mortgage insurance, and state and local down payment assistance.

First-Time Homebuyer Programs

Down payment assistance and low-down-payment options for new buyers

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A stable interest rate with predictable payments over the life of the mortgage.

Fixed Rate Mortgage

Consistent rate. Predictable payments.

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Starts with a lower rate that adjusts over time with market conditions.

Adjustable Rate Mortgage

Flexible rates. Potential savings.

Family relaxing together in the family room of their home

Refinancing replaces your existing mortgage with a new loan to lower your rate, shorten your term, switch loan type, or extract cash from your equity.

Refinance

Lower your rate, change your term, or tap equity

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Access home equity through a revolving line of credit with flexible use.

Home Equity Line of Credit (HELOC)

Access equity. Revolving credit.

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Finances home improvements, allowing repairs and upgrades within your mortgage.

Renovation Loan

Finance upgrades. Simple process.

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Provides funding to build a new home, covering costs from start to finish.

Construction Loans

Build new. Full funding.

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Financing for a vacation home or getaway, with flexible options available.

Second Home Loan

Vacation home. Flexible options.

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Turns home equity into cash, designed for seniors with no monthly payments.

Reverse Mortgage

Convert equity. No payments.

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Designed for rental homes, making it easier to purchase or refinance investments.

Investment Property Loan

Rental purchase. Refinance options.

Exterior of a small modern four-unit residential rental building in afternoon light

Debt service coverage ratio loans qualify the property, not your paycheck. If the rent supports the payment, the deal can work, with no personal income documentation required. Available through our wholesale lending network.

DSCR Loans

Investment property financing based on rental income

Sunlit small business interior with a laptop and bank statements on a wooden counter

A Non-QM option for self-employed borrowers and business owners whose tax returns understate their true cash flow. Income is calculated from 12 or 24 months of bank statements. Available through our wholesale lending network.

Bank Statement Loans

Qualify with your bank deposits instead of tax returns

Tidy home office desk beside a bright window with a laptop and notebook

Qualify using 1099 forms and contractor income history instead of full tax returns. A streamlined Non-QM path for gig workers, commissioned professionals, and independent contractors. Available through our wholesale lending network.

1099 Income Loans

Home financing built for independent contractors

Calm home study with built-in shelving and a reading armchair in soft daylight

Asset depletion and asset qualifier programs convert savings, investments, and retirement funds into qualifying income. A strong fit for retirees and high-net-worth borrowers with substantial balance sheets and modest paper income. Available through our wholesale lending network.

Asset-Based Loans

Turn your portfolio into qualifying income

Welcoming front porch of a suburban home with an open front door in morning light

Borrowers with an Individual Taxpayer Identification Number can finance a home using alternative credit and documentation standards. Available through our wholesale lending network.

ITIN Loans

Homeownership without a Social Security number

Contemporary coastal second home exterior with a wide balcony under bright sky

Financing for non-U.S. citizens purchasing or refinancing property in the United States, with no U.S. credit history required. Available through our wholesale lending network.

Foreign National Loans

U.S. property financing for non-resident buyers

Mid-rise mixed-use brick and glass building with ground floor retail at golden hour

Beyond residential, City First arranges financing for commercial real estate including multifamily, mixed-use, retail, office, and industrial properties through our wholesale and correspondent lending network.

Commercial Lending

Financing for commercial and multifamily real estate