Kelly Carrera
Loan Officer | NMLS # 290199
As a Senior Loan Officer at Signature Home Lending for over 19 years, I specialize in helping clients achieve homeownership through First-Time Home Buyer programs, VA (Veterans) Loans, 203k Rehabilitation Loans, Down Payment Assistance Loan... Show More
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Staff was helpful answering questions I had as a first time buyer. They took time to check up on me if I needed anything.
Reply from Kelly Carrera
September 4th, 2026 02:06 AM
Thank you Beatriz for taking the time to share and noticing the staffs effort. I'm glad to know that the team was helpful and attentive during your first home buying experience. If you have any more questions or need additional support, please...
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Her availability and willingness to support us through a tough closing
Reply from Kelly Carrera
August 28th, 2026 05:02 PM
Lindsey, I appreciate your kind words. I'm glad I could be there to support you through the challenging closing process. Thank you for trusting me with your home purchase journey. Enjoy your New Home! 🩷
Kelly is AMAZING!!! She is very kind she has a good heart and she doesn't pressure you to do anything that your uncomfortable with. She also explains everything that is being done and gives great advice. Shes the very best. Give her a raise!❤️🤙...
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Reply from Kelly Carrera
July 13th, 2026 11:50 PM
Marcella That is the sweetest message, Thank you so much. , It was definitely a pretty long journey for us and I am happy to see it ending on a positive note, I also am so happy to hear this is how your felt about your experience working with...
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Kelly was very understanding and kind. She explained the whole process and was very attentive during this process.
Reply from Kelly Carrera
July 10th, 2026 04:01 AM
Miguel and family. Thank you for your kind review and your help in making this a smooth refinance, I'm pleased to hear that my support and explanations were helpful to you. If you have any more questions or need further assistance in the future,...
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Kelly was incredibly patient, professional, and genuinely cared about supporting us in our home buying process. She was always available to answer our many questions, which made us very confident in our purchase. We are lucky to have had her...
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Reply from Kelly Carrera
July 8th, 2026 03:37 AM
I'm so grateful for your kind words, Alejandra. You and Oscar were also very helpful in making this a smooth transaction! It makes me so happy that you felt supported and confident throughout your home buying journey-that is always what I strive...
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Kelly and her team are great. I would use her services again and highly recommend her.
Reply from Kelly Carrera
July 6th, 2026 03:29 PM
Thank you, Ramiro for choosing me and my team to help you. I'm pleased to hear that you had a positive experience with us.
Your recommendation means a lot, and I look forward to the opportunity to assist you again in the future. 😊
Her experience and communication over the last few years were second to none
Reply from Kelly Carrera
June 30th, 2026 02:51 PM
I'm grateful for your kind words, Matthew. It's been a pleasure working with you over the years, and I'm pleased to hear that you value the experience and communication we've shared. Thank you for your trust in me and my team : ) Wishing you...
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she is very helpful and will get everything done. She helped me and my wife throughout the whole process it was all worth it. 100% recommend Kelly to anybody else.
Reply from Kelly Carrera
June 29th, 2026 05:00 PM
I'm grateful for your recommendation, Leonel. I'm happy to have been able to help you and your wife throughout the process. It's wonderful to know it was a positive experience for you both! And I couldn't have done it without your teamwork!...
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Kelly worked with me for over 2 years that's dedication she was awesome the whole time very happy with my experience .
Reply from Kelly Carrera
June 24th, 2026 03:41 PM
YAY Ramiro! WE did it! It was a pleasure working with you over the past two years, and I'm so pleased to hear that you had a positive experience. I couldn't have done it without your dedication to making this happen for your family. : ) Thank...
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Kelly always wen out of her way to help us on this refinancing process thank you so much Kelly you are amazing
Reply from Kelly Carrera
June 12th, 2026 04:18 AM
Alberto and Maria, I appreciate the opportunity to help you! Thank you for your kind words, and I'm pleased I could assist you. I wish you the best and hope you keep in touch.
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About
As a Senior Loan Officer at Signature Home Lending for over 19 years, I specialize in helping clients achieve homeownership through First-Time Home Buyer programs, VA (Veterans) Loans, 203k Rehabilitation Loans, Down Payment Assistance Loans, and Refinances. I take pride in building lasting relationships with my clients and their families, guiding them through every step of the loan process. This year, I look forward to forging new, productive, and prosperous business relationships.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Specialities
CalHFA (First Time Buyers) FHA, Conventional, VA. DSCR, Grants, Bank Statement Loans
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Positions
- Signature Home Lending - Senior Loan OfficerJan 1st, 2005 - Current
Memberships
- NOR-North of the River Chamber
- Serving Hope-Vice President
- Arms Ministry
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2006
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 290199
Achievements
- Top Producer 2008, 2009, 2010, 2011, 2012, 2016, 2017, 2019, 2020, 2024
- Presidents Circle Honors
- 10 Year Service Award
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Disclaimer
"Golden Empire Mortgage, Inc. (""GEM"") [NMLS ID No. 2427] is a California corporation whose principal business office is located at 1200 Discovery Drive, Ste. 300, Bakersfield, California 93309. GEM is a residential mortgage lender and servicer licensed by the Department of Business Oversight pursuant to the California Residential Mortgage Lending Act under license no. 413-0360. GEM conducts residential mortgage lending activities in the following additional states as follows:
Arizona: GEM conducts business in the state of Arizona as Golden Empire Mortgage, Inc. under Mortgage Bankers license no. 0906440 issued by the Arizona Department of Financial Institutions.
Colorado: GEM conducts business in the state of Colorado pursuant to a Mortgage Company Registration issued by the Colorado Division of Real Estate.
Oregon: GEM conducts business in the state of Oregon under Mortgage Lending License no. ML-2891 issued by the Division of Finance and Corporate Securities, Department of Consumer and Business Services.
Texas: GEM conducts business in the state of Texas as GEM Mortgage, Inc. pursuant to a Mortgage Bankers Registration issued by the Texas Department of Savings and Mortgage Lending. Notice to Texas Loan Applicants
Washington: GEM conducts business in the state of Washington under Consumer Loan Company License no. CL-2427 issued by the Washington Division of Consumer Services, Department of Financial Institutions."