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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Reviews from Web
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.
ZERO $$$ DOWN!!!KELLY CARRERA is absolutely the best of the best! She had been working with me for several months as I was fixing my credit and paying off high debt. She guided me the whole time and was always available anytime I needed helpor...
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Reply from Kelly Carrera
May 14th, 2026 09:41 PM
Loretta, It has been quite a journey my friend! I'm so pleased to hear about your positive experience and the successful purchase of your new home with zero down-We have to give a Big Shout out to Valerie Luna your realtor for negotiating all...
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Kelly was quick and straightforward throughout the whole process. She also gave my partner and I a comfortable experience and answed all our questions without fail, with care and thought insight . We, without a doubt, are looking forward to...
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Reply from Kelly Carrera
April 23rd, 2026 09:34 PM
Tristen, I'm grateful for your kind words. It's appreciated to hear that you and Daniela felt comfortable and well-informed throughout the process. I absolutely look forward to assisting you again in the future and I wish you both so many happy...
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Kelly was very responsive and always willing to help. She was extemaly pleasant
Reply from Kelly Carrera
March 12th, 2026 05:00 PM
Thank you Kim! It's great to hear that you found me responsive and willing to assist throughout the process. I strive to make every experience as pleasant as possible for my clients. Thank you for sharing your feedback!
Kelly took care of every detail with a wonderful get done attitudw. If I had a business I would hire her.
Reply from Kelly Carrera
March 12th, 2026 12:08 AM
David, I appreciate your kind words. I'm pleased to hear that you felt well taken care of throughout the process. It was a pleasure to work with you, and your feedback means a lot to me. If you ever need assistance in the future, feel free...
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Be able to get a great percentage rate
Reply from Kelly Carrera
March 5th, 2026 09:53 PM
Thank you for trusting me with your refinance Anthony. : ) Blessings to you and your family throughout the years ahead!
This is my very first home purchase. I met Kelly about 5 years ago, she told me exactly what I needed to work on in order to be where I wanted to be. Throughout those five years, Kelly has always been very knowledgeable and helpful. The rapport...
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Reply from Kelly Carrera
February 14th, 2026 04:34 AM
Katheryn, it has been personally rewarding to be part of your journey toward purchasing your first home. Meeting you five years ago and seeing the progress you've made has been incredible. I'm glad that my guidance over the years has been helpful....
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Everything went smooth 😀 thank you
Reply from Kelly Carrera
February 5th, 2026 05:44 PM
Thank you for taking the time to leave a review Arturo. Wishing you many happy memories ahead my friend. . If you have any more questions or need assistance in the future, feel free to reach out. I’m still here for you 😊
Kelly is a sweatheart
she was very helpful she explained things
to us when I had a questions no matter
what time she was always available 100%
she is the best at what she does !
Reply from Kelly Carrera
January 19th, 2026 04:50 PM
It was a pleasure working with you, Ibeth. I appreciate your kind words and am glad I could assist you whenever you had questions. Your satisfaction is important to me, and I'm pleased I could be there to help throughout the process. Thank...
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Kelly truly went above and beyond for us throughout the entire home-loan process. She was incredibly responsive, patient, and thorough, always taking the time to explain each step and make sure we felt confident in our decisions. Her dedication...
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Reply from Kelly Carrera
January 3rd, 2026 03:14 AM
I really appreciate your kind words, Jose. It was important to me that you felt comfortable and informed every step of the way. I'm glad I could help make the home-loan process smooth and manageable for you. Thank you for entrusting me with...
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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
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."