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Karisa Sarracino

Karisa Sarracino

Loan Officer

16360 Monterey St., Suite 260, Morgan Hill, CA 95037
Own what matters
Own what matters

About Me

What started as a summer job turned into my career. Born and raised in Morgan Hill, I graduated from Live Oak High School and planned on going to Gavilan College to get my AA degree in business and then transfer to a four year school. I intended to work while in college and so took a summer job with my Mother/mentor in the mortgage business, which continued while I earned my AA degree. I loved it so much that I chose to continue my career in the mortgage business. That was 15 years ago, and I still find that I truly enjoy putting all the pieces together to help people obtain their dream of home ownership. That, along with the lasting relationships I have built with my clients and partners make my career choice incredibly rewarding and fulfilling. I specialize in all aspects of lending such as first time home buyers, jumbo financing, FHA, VA, USDA, CalHFA down payment assistance, MCC and conventional financing.

In my free time, I enjoy working out, but what is most important to me is spending time with my husband and our two beautiful little girls. We love sports, camping, and off roading/ATV riding, especially in sand dunes. We usually do these activities with family and/or friends, taking our RV’s and campers on many wonderful adventures.

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Meet my team

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
Ryan
Mar 18, 2024
Verified

Karisa and her team were great to work with, we were able to close on the property early. Karisa and her team were always quick to respond to my questions and help with a smooth home buying process.
Chris
Mar 11, 2024
Verified

Karisa and her team are knowledgable, professional, and efficient. There were a few speed bumps along the way and she stepped in and solved the issues easily. I highly recommend Karisa and her team the next time you need a mortgage lender.
Charlene
Mar 11, 2024
Verified

Karisa went above and beyond with her communication to give me weekly updates.
Laura
Mar 11, 2024
Verified

Karisa is very responsive and alway has a positive attitude. She is wonderful to work with!
Susan
Sep 25, 2023
Verified

Karisa was on it!! Her performance and response time was great! Would be happy to refer clients to her!
Milen
Sep 25, 2023
Verified

Karisa is very knowledgeable and quick to respond. She always operates at 110% with me. I know when I forward a client to her, that client will be well taken care of. We have had multiple transactions together and they have all been smooth and followed the plan and timeline set at the very beginning. No surprises, —just excellent work and excellent service

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NMLS ID #1385148
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;