Home loans built around your real life.
Self-employed, rebuilding credit, buying your first home or your fifth: we look at your whole picture and find the loan that fits. Every application is personally reviewed by Carla, not a call center.
The right loan, not just the one a bank sells.
As a broker I can shop your loan across multiple lenders and programs, including options most banks don't offer.
ConventionalPurchase and refinance
Competitive rates and flexible down payments for buyers with solid credit and steady income.
FHALower down payment
A path to homeownership with a smaller down payment and more flexible credit requirements.
VAFor veterans and service members
Zero-down options for eligible veterans, active duty and surviving spouses.
CalHFA and down payment assistanceFirst-time buyers
California programs that can help cover your down payment and closing costs.
Non-QM and bank statementSelf-employed and investors
Qualify using bank statements, assets or rental income when tax returns don't tell the full story.
Refinance and cash-outCurrent homeowners
Lower your payment, shorten your term, or turn equity into cash for what's next.
Renovation before you sellWith Upgrade to Sale
Finance pre-sale upgrades; costs may be repaid at closing, subject to approval. See Upgrade to Sale
Private and bridge loansWith Flex Cash Funding
Fast, asset-based funding when timing or credit rules out a bank. See Flex Cash Funding
Have these ready.
- Last 2 years of tax returns
- Last 2 months of bank statements
- Pay stubs from the last 30 days
- Government-issued photo ID
- Social Security number
Missing something? Start anyway. You can upload documents after you submit.
Know your budget
Shop with confidence instead of falling for homes outside your range.
Win more offers
In a competitive market, sellers choose buyers whose financing is already lined up.
Close faster
With your file already reviewed, I've closed loans in as few as 10 days.
One expert, start to close
I'm licensed in real estate and mortgage, so your loan and your offer are built together.
"Carla is great at what she does. Her many years of experience come with empathy and compassion for the complex issues homebuyers face. I couldn't ask for a better partner in the home financing and buying process."
About the application.
Still deciding? Call or text me at 925-768-9145 and I'll walk you through it.
What is a 1003?
The 1003 is the Uniform Residential Loan Application, the standard form every U.S. mortgage lender uses. Completing it online lets me review your full picture and match you with the right program.
Is my information secure?
Yes. The application runs on an encrypted mortgage portal, and your information is only used to evaluate your loan.
Will applying commit me to a loan?
No. Applying lets me review your options and give you real numbers. You decide whether to move forward.
My credit isn't perfect. Should I still apply?
Yes. FHA, VA, CalHFA and Non-QM programs may still work, and if you're not ready yet I'll give you a clear plan to get there.
What happens after I submit?
I personally review every application and reach out with your numbers, usually within one business day.
Ready to see what you qualify for?
Start your application now, or book a quick call and we'll go through it together.