Helping with your financial goals in Northern California

Carolyn Thomas

Loan Officer

NMLS# 256827

829 Sonoma Drive, Suite 4,
Santa Rosa, CA 95404

(925) 337-0560

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Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

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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

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%.

Reverse Mortgage loan

If you're retired or at least 62 years old and looking to purchase or refinance to make the most of your home investment, this may be a good option for you. A reverse mortgage allows you to use the equity in your home to supplement your retirement income.

VA

If you're an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you'll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

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

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Testimonials

The rating and reviews below represent my top reviews.

4.96 out of 5.0 stars

5.0

4.9

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Brian -.

Sept 6, 2025

Carolyn was professional, curteous and went above and beyond to ensure I was issued the right loan for the right house. ...See more

Deirdre

Aug 5, 2025

Carolyn is great! She is always proactive, thorough & gets the loan done on time.

Anthony

July 3, 2025

Carolyn was professional and supportive throughout the process and setbacks! She did a wonderful job advocating for us a...See more

Linda

July 6, 2025

Carolyn was very helpful!

Margaret

June 2, 2025

We enjoyed working with Carolyn in the past. We referred her to friends and family.

Sylvia

June 7, 2025

We worked with Carolyn Thomas before and have recommended her to family members so she was the first and o...See more

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NMLS ID #256827

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;