Powered by Experience
Helping with your financial goals in Northern California
Carolyn Thomas
Loan Officer
NMLS# 256827
About me
"Fits you and your life" means finding the perfect match for your situation, seamlessly aligning with your lifestyle and needs. Having grown up as an "Airforce brat", I understand the challenges of moving and adapting to new environments. This experience has taught me to ask the right questions and truly understand the people I now help.
Whether you're a first-time homebuyer or considering a Flex Plan mortgage as you approach retirement, I am here to find what fits your life. A mortgage tailored to your unique needs can open the door to a whole new chapter. From first-time homebuyer programs to Flex Plan (reverse mortgages) and everything in between, I can guide you in choosing the best option for your stage in life
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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.
home equity insights
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Testimonials
Carolyn is a very reliable and knowledgeable loan officer in our industry. Her many years of experience have made her a perfect choice for any consumer or Realtor. I've known and worked with Carolyn for several years and have come to discover her love for the clients and doing right by them. She handles their transaction with precision and grace by doing what's best for them and not herself. In this business "caring for people" truly speaks volumes. She is also very kind; you'll gain a friend in the process. :)
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Carolyn Thomas is a top notch lender! She returns calls promptly and gives "easy to understand" advice
Caroyln Thomas is one of the BEST in her professional. She will go above and beyond for her clients to get the best deal for them and guide them through the process of their transaction.
Carolyn has always been extremely helpful throughout the loan process. She is knowledgeable, kind, efficient and communicative. Working with her eliminates stress and helps you enjoy the overall process.
Carolyn has always been there for me with solid advice and expertise whenever I needed help, whether it be to secure a home loan, advice on how to proceed with loan assumptions, and any other questions I had. Very high caliber in her field!
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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; 
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