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Powered by Experience

Helping with your financial goals in Northern California

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

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

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

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

Testimonials
4.95 out of 5.0 stars
5.0
5.0
Jerry
Mar 18, 2025
Verified

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!
Deirdre
Mar 13, 2025
Verified

I highly recommend working with Carolyn! She is incredibly quick and responsive, always available to answer questions and provide updates. What really sets her apart is her ability to navigate obstacles and find solutions, ensuring the loan gets done in the least amount of time possible. Carolyn's professionalism and dedication makes her a reliable partner in any lending process!
Brian -
Aug 27, 2022
Verified

Carolyn was professional, curteous and went above and beyond to ensure I was issued the right loan for the right house. She took the time to explain the process and go over every step (multiple times), so that I knew exactly what was happening and wasn't left out of any phase. Thank you so much Carolyn,
Christopher K
Mar 26, 2022
Verified

We have worked with Carolyn Thomas at Cherry Creek Mortgage through the years for all of our family real estate loan transactions for over a decade (2 purchases and 2 refinances). She has always been tremendously helpful, clear, and delivers a loan package that is excellent. On a few of these transactions we have done the extra work of getting an extra loan approval from a competitor for competition and the package from Cherry Creek and Carolyn had always been either as good or better than the competition. In this HOT real estate market it is difficult enough to win bids on homes, but Carolyn’s fast work and excellent responsiveness came through for us and we were able to get exactly the home we had been hoping for. She is up-front about all loan details, no surprises, and goes above and beyond to make the process a breeze.
Saba
Feb 13, 2021
San Diego, CA
Verified

Carolyn has helped us with many of our home financing including purchases and refinancing. She is very patient and guides the customer to help them understand the process. Carolyn clearly communicates and follows up on our questions. We trust her and defiantly recommend her to our family and friends. We are very satisfied with her service. She takes the stress out of the financial process and gave us the best deal. We will definitely come back to her for future transactions.
Anilyn L
Dec 17, 2020
Verified

Very professional, very knowledgeable, fantabulous! This is not my first time working with her, when it comes to buying a home or refinancing she’s the only one I can count on. Beats her own deadline. Will do it again in the future!

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Awards

Causes & Memberships

member of Guild Giving
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;