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Bianca Velasco

Bianca Velasco

Senior Loan Officer

2050 Peabody Road, Suite 100, Vacaville, CA 95687
Own what matters
Own what matters

About Me

As a professional in the Real Estate and Banking industries since 2004, I am passionate about helping everyone realize their homeownership dreams. It is my goal to guide all of my clients and their families with the utmost care and communication throughout the largest purchases and investment decisions one can make within a lifetime. I want to be your lifelong trusted advisor for all of your home financing needs.
I pride myself on making sure my clients do not have any unanswered questions. Taking time to discuss all options and goals that each individual has up-front and throughout the entire process, is imperative to ensuring their home loan process is efficient and successful. I especially enjoy guiding first-time homebuyers achieve their homeownership goals by educating them on all options available. 
I'm just a phone call away and never too busy to help!! Se hablo Español.

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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.



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.


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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4.95 out of 5.0 stars
Isaac H
Apr 26, 2024

Bianca did a fantastic job with the first time homebuyer. She explained the process, and available products that were in the best interest of the client. Through the deal she provided timely updates and advised on what the the best options with some of the lending nuances that an experience loan officer like her knows. Very happy with the service provide and would absolutely recommend Bianca and her team especially for first time homebuyers.
Jessica P
Apr 16, 2024

Bianca was so great to work with, she answered all our questions and reassured us of things we were unsure of. She would always be available to hop on a call or email us right away. I would recommend her to anyone who is looking for a mortgage!
Apr 01, 2024

Bianca was fantastic. She was extremely knowledgeable, responsive, acommodating, and patient. I can't recommend her enough and couldn't be more thankful to have been connected with her for this service, 10/10!
Mar 18, 2024

On the ball throughout.
Mar 18, 2024

Bianca did a great job pre-approving our homebuyer client quickly and efficiently. Our buyer was thrilled to become a homeowner with the help of Bianca.
Apr 22, 2024

That it closed.

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Causes I'm
passionate about

NMLS ID #921674
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;