Hi, I’m Carmen Cipolone—your dedicated Mortgage Loan Officer and Kind Ambassador, here to make the home financing process simple, smooth, and yes—even enjoyable.

I started in the mortgage industry back in 2006, and over the years, I’ve built a reputation for delivering clear communication, exceptional service, and fast, efficient closings.
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My specialties include:

• Investment property loans/Fix and Flips/new construction/rehab loans
• Self-employed borrowers
• No tax return/alternative documentation loans/bridge loans/delayed financing
• VA financing/FHA/USDA/Conventional/JUMBO
• I’m also a licensed real estate agent in California and an active investor, so I understand the business from all sides—whether you're buying, selling, or scaling a real estate portfolio.
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I approach every client relationship with attention to detail, a speed-oriented mindset, and a genuine desire to help you succeed. Whether you're ready to buy, sell, refinance, build, or just explore your options—I'm here to guide you with care, clarity, and experience.

Outside of work, I’m passionate about my faith, family, friends, and living life to the fullest. I love the beach, live music, sports, pets, and the great outdoors—and I bring that same energy and joy to the way I serve my clients.

Let’s make your homeownership journey a winning one—with less stress, more peace of mind and a simple loan.

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