Karina Contreras - Loan Officer

Contact Me TODAY!



License CA-DBO1618701

NMLS# 1618701

Let me help you navigate your way to Homeownership!

For the last 24 years I have helped thousands of families and individuals purchase or refinance their existing home.  

I’ve worked in the operations side of the Mortgage Industry (Compliance, Processing, and Underwriting Department) and recently became a Mortgage Loan Officer. This has given me a unique perspective, which in turn, has provided me with the knowledge and experience to help you through the loan process, find the terms that are right for your budget, and make sure all the legalities are competently handled so that the closing goes smoothly, and you can take possession of your new property.


Whether you’re a first-time home buyer, looking to trade up, deciding to downsize, or simply wishing for a change, I can help you before you ever make an offer on a property. I can sit down with you and look over your budget, income and savings, helping you get a clear picture of what type and amount of loan is realistic. There are many factors to consider when getting a home loan; interest rates are only one element of the complete package. I will help you consider all your options, so you can concentrate on making the best decision for your needs. 

I welcome the opportunity to speak with you about your plans and budget to purchase a home or refinance an existing home loan in the High Desert and Southern California. I am also a native Spanish speaker and work closely with the Hispanic community.

The financial aspects of home buying can be stressful and overwhelming—but they don’t have to be, not with a trained and caring professional like myself in your corner. I understand that it is not just a house……it’s your home. 
Contact me today at (951) 454.0130 and let’s get started making your home-ownership dream come true.


Mortgage Products We Offer:

•    Conventional with as little as 3% down payment

•    Refinance Options up to 125% of appraised value

•    True 100% No Money down with VA and USDA

•    First-Time Home-Buyers Programs

•    Down-Payment Assistance Programs

•    Energy Efficient Mortgages

•    DACA Program

•    FHA Loans with 580 Fico

•    Jumbo Loans up to $3 Million

•    203K Renovation Loan

•    Reverse Mortgage

•    Foreign National/ITIN


Areas I Service:
•    Hesperia                          •    Eastvale
•    Victorville                         •    Riverside
•    Apple Valley                    •    Temecula
•    Rancho Cucamonga       •    Inland Empire
•    Ontario                             •    Riverside County
•    Corona                             •    Los Angeles County
•    Norco                               •    Orange County