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Carla Moreno Home Loans Page

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United States
Whittier, CA
Carla Moreno Home Loans Page

I have been in the mortgage industry since 2001. I will tailor your financing to your unique lifestyle and goals. I love referrals!!

You can expect an authentic experience defined by honesty, integrity and fun. Whether you are refinancing a mortgage or buying a home, you deserve a smooth, respectful and personable transaction. I specialize in many facets of the mortgage industry, including first time home buyers, investments, refinance, reverse mortgages and credit repair to mention a few. I am also comfortable with the "not so perfect" situation to Jumbo loans, so bring it on, I can handle it !!!. When not diligently working I am a wife and a mother of 3 who is used to multi tasking and will go the extra mile for you each and every time!! Contact me to take advantage of today’s financial opportunities. Call 562-254-6951or email [email protected]

P.S. Please share my information with your friends, family and associates. I will be very happy to help them too!

11/03/2026

IF I WERE THE BUYER | PART 1: High Street in WHITTIER CA

What if buying a home wasn’t just about negotiating the price, but knowing how to structure the financing?
Today I’m breaking down this $825,000 Whittier home and showing you how I’d approach buying it with:

🏡 Just 3.5% down — $28,875

💰 A potential 4.99% first-year payment rate

🔑 An estimated $5,861 monthly payment, including taxes and insurance!

The strategy? Negotiating seller credits and taking advantage of lender credits to potentially minimize your out-of-pocket closing costs.

Have a listing you’ve been eyeing? SEND IT MY WAY! I’d love to show you how I’d structure the financing.

Follow for more episodes of If I Were the Buyer!

📍 14115 High Street, Whittier, CA

Listing courtesy of Christina Baltazar | Kase Real Estate. This is not my listing.

Carla Moreno | NMLS #334477 | DRE #01325103

Hypothetical financing illustration as of 11/03/2026. Fixed note rate 6.99%; temporary first-year buydown rate 4.99%. Estimated APR to be confirmed. Payments include estimated property taxes, homeowners insurance and FHA mortgage insurance. Seller and lender credits are subject to availability and approval. Buyer must qualify at the full note rate. Rates and terms are subject to change. Not a commitment to lend.

FirstTimeHomeBuyer MortgageTips HomeBuyingTips

10/21/2026

🏡 You worked hard to buy your home. But have you made a plan to protect it for your family?

One thing many homeowners don’t realize is that when you pass away, your mortgage doesn’t simply disappear.

And depending on how your property is titled and what estate planning you’ve done, your loved ones could face probate, legal expenses, and unnecessary delays.

The good news? There are ways to prepare today to make things easier for your family tomorrow.

In California, a properly established living trust is one option that may help your loved ones avoid probate. Other options may also be available depending on your circumstances.

❤️ Your home is more than just real estate. It’s part of the legacy you’re building.

📩 Comment “HOME” or send me a DM if you have questions about what happens to your mortgage when you pass away. I’m happy to explain the mortgage side and point you toward the right estate planning resources.

Carla Moreno | Home Loans
NMLS 334477

🏡 ¡Te ha costado mucho esfuerzo comprar tu casa! Pero ¿has pensado qué pasará con ella cuando ya no estés?

¿Sabías que, sin una planificación adecuada, tu familia podría enfrentarse a un proceso legal llamado probate (sucesión judicial)?

💰 En California, una herencia de $700,000 que pasa por este proceso podría generar ¡$34,000 solamente en honorarios legales y del albacea establecidos por ley! 😳

❤️ ¿La buena noticia? Un fideicomiso en vida (Living Trust), correctamente establecido, puede ayudar a tu familia a evitar este proceso, ahorrar miles de dólares y facilitar la transferencia de tu propiedad.

Tu casa no es solamente una propiedad. Es parte del patrimonio que con tanto esfuerzo has construido para tu familia. ❤️

📌 ¡GUARDA esta publicación y COMPÁRTELA con alguien que tenga casa!

💬 ¿Tienes preguntas sobre tu hipoteca o qué pasa con ella cuando falleces? ¡Mándame un mensaje! Con gusto te ayudo.

No todas las herencias requieren sucesión judicial. Los costos y las circunstancias varían. Consulta con un abogado especializado en planificación patrimonial.

Carla Moreno | Préstamos Hipotecarios
NMLS #334477

#

10/21/2026

🏡 What happens to your home when you pass away?

Did you know your mortgage doesn’t disappear when you pass away? And without proper planning, your family could end up dealing with a costly legal process called probate.

⚖️ What is probate?
It’s the court process of settling someone’s estate and transferring assets to their heirs. It can take months or even years and cost thousands of dollars!

💰 How much can probate cost in California?
For example, on a $700,000 estate subject to formal probate, statutory attorney fees can be $17,000, PLUS another $17,000 in executor fees. That’s potentially $34,000 before additional court costs and expenses! 😳

❤️ What about a living trust?
An attorney-prepared living trust typically costs a few thousand dollars to establish, depending on your situation. When properly set up and funded, it can help your family avoid probate, save money, and transfer your home more quickly and privately.

🔑 You’ve worked hard to build your equity. Don’t let unnecessary legal expenses eat away at what you leave behind.

Not every estate requires probate, and costs vary. Speak with an estate planning attorney to find out what’s best for your family.

📩 Have questions about your mortgage or what happens to it when you pass away? Send me a DM! I’m always happy to help.

Carla Moreno | Home Loans
NMLS 334477

10/16/2026

🏡 Loan programs people aren’t talking enough about… and one of them might be exactly what you’ve been looking for. 👀

Traditional income documentation doesn’t tell everyone’s full financial story. Here are three options worth knowing about:

🔑 1. DSCR LOANS
For investment properties, we use the property’s rental income to qualify instead of your personal income—an option for investors with complex tax returns.

✨ Purchase with as little as 20% down
✨ Cash-out options up to 80% loan-to-value
✨ Options for properties with up to 10 units
✨ No personal income documentation required

📊 2. P&L LOANS
Business owners, this one’s for you! If you write off a lot of business expenses, certain programs allow us to use a self-prepared profit and loss statement to help you qualify.

✨ Purchase options with as little as 10% down
✨ Cash-out options up to 80% loan-to-value
✨ Available for primary residences and investment properties

💰 3. HELOC: HOME EQUITY LINE OF CREDIT
Love your low fixed mortgage rate? You may be able to access your equity while keeping your existing first mortgage.

✨ Options without traditional income documentation
✨ Borrow what you need, when you need it, during the draw period
✨ Pay interest only on the amount you borrow
✨ Some programs offer fixed-rate lock options
✨ Funding may be available in as little as two weeks

Loans aren’t one-size-fits-all. It’s about finding what fits YOU, your goals, and your current financial situation. 🤍

📲 Call or message me to explore your options—and save this post or share it with someone who could use this information!

Carla Moreno | NMLS #334477

Program availability, documentation, down payment, loan limits, rate features, and closing times depend on eligibility and lender guidelines. Cash-out proceeds depend on property value, existing liens, and closing costs.

10/15/2026

I spend a lot of time talking about home loans here, so I thought I’d share a little more of the person behind the business. Outside the office, I’m happiest spending time with my family, finding a new restaurant or coffee shop, cooking something good or planning our next trip.
And yes, I love a good shopping day and a beautifully made cocktail, too!

I hope this gives you a little peek at the Carla outside the office. I’m a real person with a full life, and I love connecting with people over the things we have in common. If you’re looking for a loan officer who’s knowledgeable, down to earth, and easy to talk to, I’d love to help you with your home goals. 💛

10/15/2026

I spend a lot of time talking about home loans here, so I thought I’d share a little more of the person behind the business. Outside the office, I’m happiest spending time with my family, finding a new restaurant or coffee shop, cooking something good or planning our next trip. And yes, I love a good shopping day and a beautifully made cocktail, too!

I hope this gives you a little peek at the Carla outside the office. I’m a real person with a full life, and I love connecting with people over the things we have in common. If you’re looking for a loan officer who’s knowledgeable, down to earth, and easy to talk to, I’d love to help you with your home goals. 💛

10/15/2026

I spend a lot of time talking about home loans here, so I thought I’d share a little more of the person behind the business. Outside the office, I’m happiest spending time with my family, finding a new restaurant or coffee shop, cooking something good, planning our next trip. And yes, I love a good shopping day and a beautifully made cocktail, too!

I hope this gives you a little peek at the Carla outside the office. I’m a real person with a full life, and I love connecting with people over the things we have in common. If you’re looking for a loan officer who’s knowledgeable, down to earth, and easy to talk to, I’d love to help you with your home goals. 💛

10/14/2026

4 costs you may pay outside of escrow when buying or refinancing:

1. Credit report — Usually pulled during prequalification and paid by the borrower.
2. Appraisal — If required, it’s typically paid near the beginning of the loan process. For a purchase, it helps confirm the home’s value; for a refinance, it helps determine the property value, loan-to-value ratio, and other loan details.
3. Appraisal reinspection — If repairs are required and need to be checked, the fee is usually paid separately. It can range from about $100–$200.
4. Home inspection — For purchases only. It’s optional, not a mandatory expense, but it’s recommended to help you understand the home’s condition. It’s separate from your loan.

These costs can vary by loan and situation. Follow me for more useful home buying tips!

10/13/2026

Is now a good time to buy a home? It depends on your life, your finances, and what feels right for you. 🏡

If you’re thinking about renewing your lease, need more space, or feel ready to explore your options, let’s talk.

DM me “BUY” and I’ll help you see what may work for your situation.

10/13/2026

Mortgage rates don’t just change the monthly payment. The cost to get a certain rate can change too.

This graph shows my rate sheet from February 27 to October 13. For a $500,000 loan, a 5.875% rate went from a $13,125 credit toward closing costs to a $3,125 cost in July. By September, that rate was no longer on the rate sheet.

That’s why it helps to have a lender who watches both the rate and the cost, explains what the numbers mean, and keeps you informed as the market moves. I’ve spent 25 years helping buyers understand their options and I check pricing every day.

Rates may not feel ideal, but a slower market could give you room to negotiate or ask the seller to help with closing costs.

Thinking about buying? Message me. I’ll help you run the numbers and decide whether the timing makes sense for you.

Address

14408 Whittier Boulevard
Whittier, CA
90605

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.ietcapital.com/

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