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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

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.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.96 out of 5.0 stars
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5.0
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5.0
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4.9
Brian -.
Sept 5, 2025
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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 28, 2025
Livermore, CA
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Carolyn is great! She is always proactive, thorough & gets the loan done on time.
Anthony
July 22, 2025
Antioch, CA
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Carolyn was professional and supportive throughout the process and setbacks! She did a wonderful job advocating for us a...See more
Linda
July 11, 2025
West Sacramento, CA
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Carolyn was very helpful!
Margaret
June 30, 2025
Tracy, CA
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We enjoyed working with Carolyn in the past. We referred her to friends and family.
Sylvia
June 28, 2025
Tracy, CA
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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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Awards

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Causes & Memberships

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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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