One broker for the home, the loan and everything after.
Carla Morena Burris is a licensed mortgage broker who owns a real estate company. Buying, selling, financing, property management, foreclosure help, pre-sale upgrades and investing are all handled by one team that sees the whole picture.
2licenses: real estate broker and mortgage loan originator
10days, the fastest loan we've closed
Freeconsultations with a broker, not a call center
Mortgage lending · Morena Mortgage
A mortgage broker, not a bank.
A bank can only offer its own loans. As a broker, Carla shops your loan across many wholesale lenders and programs to find the one that fits your income, credit and goals. That includes options most banks don't offer.
Conventional
Purchase and refinance with competitive rates and flexible down payments.
FHA
Lower down payment and more flexible credit requirements.
VA
Zero-down options for eligible veterans, service members and surviving spouses.
CalHFA & down payment help
California programs that can help first-time buyers with down payment and closing costs.
Jumbo
Financing above conforming loan limits for higher-priced Bay Area homes.
Bank statement & Non-QM
For the self-employed: qualify with bank statements or assets when tax returns don't tell the full story.
DSCR investor loans
Qualify for rental property based on the rent it brings in, not your personal income.
Refinance & cash-out
Lower your payment, shorten your term, or turn equity into cash.
Renovation financing
Fund upgrades before you sell, with costs repaid at closing, subject to approval.
Private & bridge loans
Fast, asset-based funding through Flex Cash Funding when timing or credit rules out a bank.
Why a broker who also sells real estate?
Your loan and your offer are built together, so sellers see a buyer who can close.
One person answers your questions about both the home and the financing.
Pre-approval before you shop, and closings in as few as 10 days.
Morena Mortgage NMLS #1537095. Carla Morena Burris NMLS #2240830. Not a commitment to lend. All loans are subject to credit approval, underwriting and property eligibility. Programs and terms may change without notice.
Buying a home · Burris Realty
The best house possible, at the best price possible.
From your pre-approval to the keys, here is what we do for every buyer.
01
Get your finances ready first
A pre-approval through Morena Mortgage makes you a stronger buyer, so you can move the moment the right home appears.
02
Hear about new listings first
We watch new listings hour by hour. When one looks like the one, we call, text and email you, and can set up a showing the same day.
03
Find off-market homes
We contact past sellers and homeowners in your target area, and advertise your buyer profile on social media. Your personal information stays private.
04
Learn what the seller wants
Listing agents often share details that shape a winning offer. Our reputation for straight dealing helps get offers recommended.
05
Avoid costly mistakes
Contingencies that protect your deposit, trusted inspectors and appraisers, clear title, and negotiation on price and repairs.
06
Every detail handled
Showings, inspections, appraisal, HOA and title follow-up, closing figures, the final walk-through and the keys in your hand.
No out-of-pocket fee, in most cases.
We work to have our fee paid by the seller or the listing agent, or included in the price of the home. If that isn't possible, we lower our fee. After closing, we're still here with trusted vendors and help if an issue comes up.
These are the things that would matter to us if we were listing our own home.
High-impact marketing
Great photography in the best light is the most important part of selling a home, so every listing starts there.
Professional photography and HD aerial video
A property website with its own web address
Marketing on 100+ sites, from Zillow to Facebook
Flyers, MLS, open houses and broker tours
Great communication
Feedback from every showing, contracts and disclosures explained in plain language, and in-person review of inspections.
Accessibility
You, buyers and their agents can reach us mornings, evenings and weekends.
Team support
A broker, marketing team and showing agent, plus in-house financing for your buyers.
A fair price
More service than most, without costing more. Our commission is flexible, for example if you find the buyer yourself.
A flexible contract
If we don't keep these promises, you can cancel the listing. We have to earn your business every day.
What is your home worth?
Buyers choose the home with the best balance of features and price, and a well-priced home draws competing offers. Get a free market analysis showing what the market says about your home's value.
Carla and her husband, Anthony Ward, a licensed California real estate broker with Wards Realty, have managed properties for more than 20 years. They take their duty to both landlords and tenants seriously: well-kept homes, and rent paid on time.
Anthony WardProperty Manager · Wards Realty
Tenant placementMarketing, showings and applicant screening
LeasesLease preparation, renewals and move-in and move-out
Rent collectionOn-time collection and owner statements
MaintenanceRepairs coordinated with trusted vendors
Property careRoutine inspections to protect your investment
Investor supportBuying, financing and managing in one place
Don't lose your home without knowing your options.
Missed payments, a Notice of Default or a sale date can feel final. Often it isn't. Talk with a licensed real estate broker and mortgage broker for free, and get a clear picture of what's possible before time runs out.
Short-term bridge funding through Flex Cash Funding
Working with your lender on a solution
Selling on your own terms to protect your equity
A short sale, if you owe more than the home is worth
A referral to a HUD-approved housing counselor
The first consultation is free and there are no upfront fees. We're not a law firm or a government agency, and we can refer you to an attorney for legal advice. Outcomes depend on your lender, your timeline and your situation.
Upgrade to Sale
Is upgrading your property worth it?
Sometimes the right upgrades add far more to the sale price than they cost. Sometimes they don't. A broker who prices homes every day can tell you which, before you spend a dollar.
Which upgrades pay off?
We target what buyers in your neighborhood pay for, such as paint, flooring, kitchens, baths and curb appeal, and skip what they don't.
Who does the work?
Licensed contractors from our network. We coordinate the project so you don't have to manage it.
Do I pay up front?
Not always. Renovation costs may be repaid from your sale proceeds at closing, subject to approval.
How do I find out?
Book a free renovation-to-value assessment. You get an as-is price, an after-upgrade price and the cost to get there.
"Carla is an exceptional real estate broker. Her professional knowledge and experience really shine through as she ensures the needs of the client are met."
Shauna
★★★★★
"Carla made it possible for my wife and me to purchase our second property. She set us up with the right financial institution and walked with us through the whole process."
Simon
★★★★★
"A warm, experienced, high-performing and kind-hearted real estate and mortgage professional who's truly gifted in making you feel at home in the process."
Zeme
Contact
Start with one conversation.
Book a consultation, or send a note and it will be routed to the right company.
Thank you. Your message has been routed to the right team, and you'll hear back, usually within one business day. If it's urgent, call or text 925-768-9145.
Real estate brokerBurris Realty · DRE #01854301
Mortgage brokerMorena Mortgage · NMLS #1537095