Phoenix Loan Advisors
Vanizia Wilson
Sr. Mortgage Loan Advisor
NMLS: 2563628
Your Home is Only
One Click Away
Complete our Digital Mortgage application to get pre-approved and explore your home affordability options today!
3 Simple Steps to Get Started
✅ Step 1: Fill Out a Quick Application
Start with a secure online application so Vanizia can begin reviewing your loan options.
✅ Step 2: Move Forward with a Credit Authorization
Help us better understand your buying power by submitting your credit information.
Submit Credit Report
✅ Step 3: Schedule a Call
Let’s talk through your goals and the best loan options for your situation.
Book a FREE Consultation
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Here to Help First-Time Buyers
Your Goals Matter
Focused on making the home loan process simple, clear, and stress-free. Making home loans more accessible for every family. -
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Backed by a Trusted Team
Powered by Coast2Coast Mortgage
Access to proven tools, resources, and underwriting expertise. -
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Bilingual Support Available
English & Spanish
Making home loans more accessible for every family.
About Vanizia Wilson
Professional Background
Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.
Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just three easy steps with the short form Application.
After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.
Licenses & Certifications
NMLS License — #2563628 Licensed States — Florida
In My Words
At Phoenix Loan Advisors, we pride ourselves on prompt, clear communication and a commitment to securing the best loan solutions for our clients. Whether you're looking for a home loan, a commercial loan, or financing for an investment property, we work with a wide network of trusted lenders to meet all your borrowing needs.
Our mission is simple: to make the loan process smooth, efficient, and tailored to your goals. From first-time homebuyers to seasoned investors, we’re here to help you take the next step with confidence.
New Beginnings Start Here. Give us a call today — we’re ready to help you make it happen.
Mortgage Expertise
Loan Origination • Underwriting • Credit Analysis • Financial Planning • Regulatory Compliance • Customer Service • Market Analysis
Additional Skills
Negotiation • Risk Assessment • Mortgage Products
Frequently asked questions
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A mortgage is a loan used to purchase or refinance a property. You borrow money from a lender and agree to repay it over time, typically 15-30 years, with interest. The property serves as collateral for the loan.
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A fixed-rate mortgage maintains the same interest rate throughout the loan term, providing predictable monthly payments. An adjustable-rate mortgage (ARM) starts with a fixed rate for a period, then adjusts periodically based on market conditions.
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Down payment requirements vary by loan type: Conventional loans typically require 3-20%, FHA loans require 3.5%, VA loans may require 0%, and USDA loans can be obtained with 0% down. A larger down payment usually results in better loan terms.
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PMI is insurance that protects the lender if you default on your loan. It's typically required for conventional loans when the down payment is less than 20% of the home's value. PMI can be removed once you reach 20% equity in your home.
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Mortgage interest is calculated as a percentage of the loan balance. In the early years of your mortgage, a larger portion of your payment goes toward interest. As you pay down the principal, more of your payment goes toward the loan balance.
Contact Vanizia Wilson
Email Me
Call or Text Me
(904) 763-5777
Come to my office by appointment only:
125 B King Street
St. Augustine, FL
32084