Get quick and accurate financial advice when you're buying, selling, refinancing, or building your dream home. Our goal is to assist you make the right choice for you and your family, and we are committed to providing you customer service that exceeds your expectation.
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With fluency in Tagalog, Charito proudly serves clients in the Daly City, CA area. Charito has 30 years of experience as a Senior Home Lending Advisor and specializes in pre-qualification, lending to self-employed clients, low-to-moderate income lending programs, lending to borrowers with limited credit history, FHA mortgages, and fixed-rate mortgages. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Charito is here to help you find the right mortgage to fit your needs. Starting with a review of your finances, Charito can help you get a clear picture of what might work best for you. Charito will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Charito wants to ensure that you have a positive home lending experience.
**Voted "Best Mortgage Lender in the San Francisco Bay Area" – SFGate 2025** Buying a home isn't just about getting approved for a loan, it's about making one of the biggest financial decisions of your life. My goal is to help you make that decision with confidence. For more than 20 years, I've helped thousands of families purchase homes, refinance, access their home equity, invest in real estate, and navigate complex financing scenarios. With $1 billion+ in funded loans and more than 600 five-star client reviews, I've built my business around one simple philosophy: The best mortgage isn't always the one with the lowest interest rate, it's the financing strategy that best supports your long-term goals. As a direct residential lender with in-house underwriting, processing, and funding, my team provides faster decisions, proactive communication, and a smoother experience from application through closing. Specialties include: - Comprehensive Home Financing Solutions - First-Time Homebuyer Programs - Conventional, FHA, VA & Jumbo Loans - Home Equity Loans & HELOCs - Refinancing - Investment Property Financing - Multi-Unit Properties - Non-QM Loans - Bank Statement & Self-Employed Borrower Programs - DSCR Loans - Reverse Mortgages - Down Payment Assistance Programs - Bridge Loans - Renovation Financing Contact me anytime to better understand your options and develop the financing strategy that's right for you!
Purchase Loans, Mortgages, Refinance
