Loans By Celia

Home
United States
Tracy, CA
Loans By Celia

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Loans By Celia, Mortgage brokers, Tracy, CA.

Celia Cardoza Hernandez - Mortgage Broker w/ The Mortgage Doctor
🏡 NMLS - 35119 | DRE - 02112027
📍Central Valley & Bay Area
💍 Wifey + Mom of 3 sons & 3 bonus daughters

02/19/2026

Ready for a new view? 👀🏡
-
New backyard.
New kitchen.
New “I can’t believe this is mine” moment. ✨
-
If you’ve been daydreaming about upgrading your space or finally buying that first home… you already know what to do.
-
📲 Call your girl. Let’s talk LOANS.
-
Because scrolling Zillow is cute…
But getting pre-approved? That’s even BETTER. 🔥
-
Your mortgage bestie is ready when you are 💛
-
-
𝗖𝗲𝗹𝗶𝗮 𝗛𝗲𝗿𝗻𝗮𝗻𝗱𝗲𝘇, 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝘽𝙧𝙤𝙠𝙚𝙧
Loans by Celia | The Mortgage Dr.
510-828-9819 | LoansByCelia.com
-

02/14/2026

Happy Valentine’s Day, friends 💕
-
Today I’m feeling extra grateful — for my family, my clients, my partners, and this amazing community I get to serve every single day. Helping people find not just a house, but a place to call HOME? That’s something I truly love. 🏡
-
Whether you’re celebrating with your Valentine, your kiddos, your friends, or just loving on yourself today — I hope your day is full of joy, chocolate, and maybe even a little dreaming about your future home. 💌✨
-
And if buying a home is something you’ve been falling in love with the idea of… you know who to call. 😉💛
-
-
𝗖𝗲𝗹𝗶𝗮 𝗛𝗲𝗿𝗻𝗮𝗻𝗱𝗲𝘇, 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝘽𝙧𝙤𝙠𝙚𝙧
Loans by Celia | The Mortgage Dr.
510-828-9819 | LoansByCelia.com
-

02/11/2026

Tax season is hereeee 🎉 (okay maybe not everyone’s favorite season 😅)
-
But if you’re thinking about buying a home, your tax return is a BIG deal — and these aren’t just tips for buying… they’re tips for actually getting approved for a home loan. 👀🏡
-
Here’s what you need to know:
-
✔ If you’re self-employed or a contract worker, lenders look at your net income — after deductions.
✔ That tax refund? It could help with your down payment, closing costs, or strengthen your file by showing reserves.
-
Before you file.
Before you spend that refund.
Before you make any big financial moves…
-
📲 Call your mortgage bestie first. Let’s strategize and make sure your tax season works for your approval, not against it. 💛
-
Comment TAX PLAN if you want to talk numbers!
-
-
𝗖𝗲𝗹𝗶𝗮 𝗛𝗲𝗿𝗻𝗮𝗻𝗱𝗲𝘇, 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝘽𝙧𝙤𝙠𝙚𝙧
Loans by Celia | The Mortgage Dr.
510-828-9819 | LoansByCelia.com
-

02/07/2026

Love where you work, love where you live… and love the community you serve. 💕
-
With Valentine’s Day around the corner, I’m feeling extra grateful to work right here in Downtown Tracy — supporting local families, partnering with amazing people, and helping turn house dreams into HOME realities. 🏡
-
Now I wanna hear from you 👀
What’s ONE thing you love about Tracy (or your hometown)?
A restaurant, a park, a coffee spot, the people — drop it in the comments! ⬇️
-
Because home is more than a place… it’s a feeling 💛
-
-
𝗖𝗲𝗹𝗶𝗮 𝗛𝗲𝗿𝗻𝗮𝗻𝗱𝗲𝘇, 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝘽𝙧𝙤𝙠𝙚𝙧
Loans by Celia | The Mortgage Dr.
510-828-9819 | LoansByCelia.com
-

02/04/2026

I get asked this ALL the time — “Celia, what do I actually need to apply for a home loan?” 👀🏡
-
I got you. Getting organized early makes the entire process so much smoother and WAY less stressful!
-
Here’s the basic starter pack I’ll need:
✔ Recent pay stubs (about 30 days)
✔ Bank statements so I can see where your down payment is coming from
✔ W-2s (yes, the ones your employer sends by the end of January 😉)
✔ A valid government ID — driver’s license or passport
-
And if you’re self-employed — don’t panic. I have options for you too. Always. 💛
-
The earlier we get organized, the easier the road to keys in hand.
👇 Comment CHECKLIST and I’ll send you a customized list for your situation!
-
-
𝗖𝗲𝗹𝗶𝗮 𝗛𝗲𝗿𝗻𝗮𝗻𝗱𝗲𝘇, 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝘽𝙧𝙤𝙠𝙚𝙧
Loans by Celia | The Mortgage Dr.
510-828-9819 | LoansByCelia.com
-

01/30/2026

Because if you think these videos happen in one take… absolutely not. 😅
-
Between the tongue-ties, the wrong words, the dramatic pauses, and me forgetting what I was saying mid-sentence — this is the REAL behind-the-scenes.
-
Mortgage math, I can do.
Saying the same sentence 12 times in a row? Apparently not 🤣
-
Hope this gives you a good laugh — and don’t worry, I promise I’m way more put together when it comes to getting you approved. 😉🏡
-
Enjoy the bloopers 💛
-
-
𝗖𝗲𝗹𝗶𝗮 𝗛𝗲𝗿𝗻𝗮𝗻𝗱𝗲𝘇, 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝘽𝙧𝙤𝙠𝙚𝙧
Loans by Celia | The Mortgage Dr.
510-828-9819 | LoansByCelia.com
-

01/28/2026

✨ Pre-Approval vs. Pre-Qualified ✨
-
Let’s clear this up, because these two get mixed up ALL the time. 👀
-
✔ Pre-qualified = an estimate
It’s based on information you provide, but nothing is verified. It’s helpful for browsing… but that’s about it.
-
✔ Pre-approved = verified
Your income, credit, and assets are reviewed. This is the real deal — and sellers take it seriously when you submit an offer.
-
When it comes to buying a home, one is cute for window shopping…
The other actually gets you keys. 🔑
-
If you’re serious about homeownership, let’s get you properly pre-approved so you can shop with confidence and be ready when the right home pops up.
-
📲 Call, text, or DM me — your mortgage bestie is ready to help. 💛
-
-
𝗖𝗲𝗹𝗶𝗮 𝗛𝗲𝗿𝗻𝗮𝗻𝗱𝗲𝘇, 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝘽𝙧𝙤𝙠𝙚𝙧
Loans by Celia | The Mortgage Dr.
510-828-9819 | LoansByCelia.com
-

01/22/2026

Hey girl, if you’re self-employed, a gig worker, or run your own business, this one’s for YOU. 💻🏡
-
Just because you don’t have traditional W-2s doesn’t mean homeownership is off the table. There are options. Period.
-
We can look at alternative documentation like:
✔ Bank statements
✔ Profit & Loss statements
✔ CPA letters
✔ Verification of employment
-
The truth is, the “traditional” way doesn’t work for everyone — and that’s okay. My job is to find a loan that fits your real life, not force you into a box that doesn’t.
-
You built your business… now let’s build your home too. 💛
📲 Call, text, or DM me and let’s talk options.
-
-
𝗖𝗲𝗹𝗶𝗮 𝗛𝗲𝗿𝗻𝗮𝗻𝗱𝗲𝘇, 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝘽𝙧𝙤𝙠𝙚𝙧
Loans by Celia | The Mortgage Dr.
510-828-9819 | LoansByCelia.com
-
#1099 HomeownershipGoals

01/21/2026

Alright, I need your help, friends 👀🍽️
-
I’m always running around Tracy + the surrounding areas, and I’m officially ready to try some new dinner spots.
So tell me — where’s your go-to place to eat around here?
-
Casual, date night, family-friendly, hole-in-the-wall… I want ALL the recommendations. 👏
Bonus points if it’s a local favorite!
-
Drop your fave spot below ⬇️ and let’s support our local businesses together 💛
-
-
𝗖𝗲𝗹𝗶𝗮 𝗛𝗲𝗿𝗻𝗮𝗻𝗱𝗲𝘇, 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝘽𝙧𝙤𝙠𝙚𝙧
Loans by Celia | The Mortgage Dr.
510-828-9819 | LoansByCelia.com
-

01/18/2026

Let’s bust this mortgage myth real quick, girl. 👀🏡
-
Who told you that you have to wait until spring to buy a house?!
-
January is actually a GREAT time for buyers. Sellers tend to be more motivated, competition is lighter, and yes — we’re seeing a buyer’s market right now.
-
And here’s the move most people don’t know about: getting pre-approved NOW.
-
Your pre-approval is typically valid for about 4 months, which gives you time to shop confidently and be ready when the right home pops up.
-
Don’t wait for “perfect timing” — get prepared.
📲 Call me today and let’s get you pre-approved so you’re ready when opportunity knocks.
-
Your mortgage bestie’s got you. 💛
-
-
𝗖𝗲𝗹𝗶𝗮 𝗛𝗲𝗿𝗻𝗮𝗻𝗱𝗲𝘇, 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝘽𝙧𝙤𝙠𝙚𝙧
Loans by Celia | The Mortgage Dr.
510-828-9819 | LoansByCelia.com
-

01/16/2026

KEY DAY moments like this never get old 🥹🗝️
-
So grateful to celebrate these amazing clients as they step into their forever home at Arcadia Circle in Discovery Bay. They made the move from the Bay Area to be closer to what matters most — their grandchildren — and my heart is so full for them. 💛
-
Huge shoutout to Dylan Williams with Keller Williams for being such a great partner on this one. Teamwork makes moments like this possible.
-
This is why I do what I do — helping families create the next chapter of their lives, closer to love, memories, and home. 🏡✨
-
Congratulations again — welcome home!
-
-
𝗖𝗲𝗹𝗶𝗮 𝗛𝗲𝗿𝗻𝗮𝗻𝗱𝗲𝘇, 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝘽𝙧𝙤𝙠𝙚𝙧
Loans by Celia | The Mortgage Dr.
510-828-9819 | LoansByCelia.com
-

Address

Tracy, CA

Telephone

+12094074288

Website

https://loansbycelia.my1003app.com/?time=1737581932345

Alerts

Be the first to know and let us send you an email when Loans By Celia posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Loans By Celia:

Shortcuts

Want your business to be the top-listed Finance Company in Tracy?