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Guiding You Home with Care and Expertise

Select from hundreds of loan products tailored to your needs

About me

With over 20 years of experience as a mortgage loan officer, Carmen Babb is dedicated to helping families in Salem, Oregon, achieve their homeownership dreams. Living in the country with her husband, Dave, their two children, Reagan and Nolan, and a lively household of four dogs and a cat, Carmen brings a personal touch to her professional expertise.

Carmen loves traveling, watching her kids play sports, and solving problems for her clients and community. She is a proud supporter of The Boys & Girls Club and Family Building Blocks, always seeking opportunities to help families thrive.

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Meet my team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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.

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.
Renovation

Renovation

Are you thinking of purchasing a fixer-upper? If so, you might consider taking advantage of a Renovation loan. This program can help simplify the process from start to finish. You don’t have to wait to save for a down payment and pay for your home improvements. You can purchase or refinance a home in almost any condition and include the estimated remodeling costs in the loan amount. Skip the headache of waiting to roll up your sleeves and start working on your dream home right away.
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.

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

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Testimonials

Testimonials
4.94 out of 5.0 stars
5.0
5.0
4.91
5.0
Robin
May 21, 2025
Verified

Carmen was a wealth of information and made the loan process easy. She responded quickly to all questions and helped us make informed decisions about financing our home. It was a pleasure working with her.
Juliemarie A
May 19, 2025
Verified

Carmen & her Team were very thoughtful, knowledgeable and so so patient with us😀 From start to finish, we were kept up to date every step of the way. Carmen was pre-emptive in answering any questions or concerns we may have had. Our entire process was seamless & professional. Highly Recommend 👍🏼‼️
Judell M
May 12, 2025
Stayton, OR
Verified

Carmen & her fabulous Team were thoughtful, knowledgeable, professional & so so very patient with us😀 From start to finish, we were kept up to date every step of the way! She was pre-emptive with any questions or concerns we may have had and kept us at ease the entire process. Highly recommend and will happily spread the word about Carmen Babb & Team ‼️
Brittani
May 12, 2025
Veneta, OR
Verified

Carmen and her team excel at frequent and clear communication.
Emily
May 05, 2025
Salem, OR
Verified

Personable, responsive, and easy!
Chantel
Mar 31, 2025
Salem, OR
Verified

Carmen and her team was amazing!! She supported us through the entire process and helped us feel confident and at ease. I would highly recommend her to anyone

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #419088
I am authorized to do business in the states of Oregon and Washington. OR ML-176;