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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Shes on top of everything, always keep Me updated. Shes very easy to talk to and gives amazing advice, you can tell she loves what she does and is amazing at ir as well
Reply from Kelly Carrera
December 19th, 2025 03:12 AM
Jesus. I really appreciate your kind feedback. : ) It means a lot to know that my communication and advice were helpful to you. Thank you for your trust, and I'm pleased we were able to work together on this purchase. If you ever have more...
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Kelly has been amazing to work with. She always gave great insight to the options we were exploring. She is a fantastic communicator and made sure we were aware of any documents coming our way and next steps. Her speed on getting back to us,...
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Reply from Kelly Carrera
December 4th, 2025 05:08 PM
I truly appreciate your thoughtful review, Simona. It's been wonderful to work with you and help you navigated your options. Keeping open and clear communication is important to me, so I'm glad to hear that it made a positive impact on your...
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Great service
Reply from Kelly Carrera
December 1st, 2025 04:39 PM
Thank you Gabriel. It's wonderful to know that you are pleased with the service. I appreciate you. If there's anything more I can do for you in the future, please don't hesitate to reach out. Happy Holidays in Your New Home! 🙏
Kelly is the Best!!! Very helpful and friendly always!!!
Reply from Kelly Carrera
November 30th, 2025 02:35 AM
I'm really glad to hear you've had such a positive experience, Cristina. It's important to me to be helpful and approachable throughout the process. Thank you for your kind words and if you need anything in the future, please feel free to reach...
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She was very awesome with staying on top of things and communicating with us and we really appreciated that! She's awesom at what she does and will definitely refer family and friends to her!
Reply from Kelly Carrera
November 13th, 2025 11:33 PM
Your support and referrals mean a lot to me, Britney. I'm glad that my communication and dedication stood out during your experience. Should you or anyone you know need assistance in the future, I'm here to help. Thank you for such a positive...
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Kelly was very helpful from the start . Any questions or concerns she was thier on top of the whole situation . She's also a very welcoming an joyful person that made my experience 100x better . She made my experience very much easy she helped...
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Reply from Kelly Carrera
November 4th, 2025 03:47 AM
It made my heart so happy that you had such a positive experience, Ivan. We had a pretty funny start off running into you at the open house lol -Thank you for your kind words and recommendation and for acknowledging my efforts to answer your...
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Kelly kept in constant contact with me for over three years, always was very helpful and supportive. When the right time came for me to purchase a home, Kelly was there every step of the way. This has been a very easy and awesome experience....
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Reply from Kelly Carrera
November 4th, 2025 03:49 AM
Rebecca, I'm truly grateful for your kind words. It has been a privilege to support you over these years and to finally see you get the home you LOVE! Your acknowledgment means a lot to me, and I'm thrilled that everything came together so...
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Kelly was very professional and would be available anytime throughout this process. She didn't give up seeking the best outcome for her client and kept a calmness when hiccups would occur.. which was consistent during this buy. Fantastic
Reply from Kelly Carrera
October 16th, 2025 07:14 PM
I'm glad to hear you felt supported and well-guided throughout your home-buying journey. It's important to me to be readily available and maintain a steady approach, so I'm pleased this resonated with you. Thank you for sharing your experience,...
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Kelly was such a good loan officer, she has great communication. Whenever in doubt about anything she she made sure to explsin until understsnding. Thanks to her the process was smooth and less stressful.
Reply from Kelly Carrera
September 4th, 2025 03:57 PM
Thank you, Andrew, for sharing your experience. I'm happy I could make the loan process straightforward and less stressful for you. Clear communication is a priority for me, and I'm glad it helped along the way. Congratulations on your new...
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Kelly was absolutely amazing every step of the way. She was able to answer all of our questions throughout the process. Her support and information made the process very smooth and no stress at all. Absolutely loved working with her!
Reply from Kelly Carrera
September 3rd, 2025 12:17 AM
I'm so grateful for your kind feedback, Katie. You were wonderful to work with too and I am going to miss you! lol I'm always just a call or text away when you need me. Congratulations again to you and your family : )
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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."