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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Experience and how easy it was
Reply from Kelly Carrera
August 18th, 2025 07:13 PM
Shubham, Thank you for your kind review. I'm thrilled to have been part of this new step in your life and to get to know you and your family. I hope to see you again soon : ) Wishing you all the best in your new home!-Kelly
the respond to any questions.
Reply from Kelly Carrera
July 2nd, 2025 08:55 PM
Thank you Edgar. I'm glad I could assist you with any questions you had during the process. I appreciate you returning to purchase another home with me & my team. That is the biggest compliment! Also, thank you for your review : ) Hope to see...
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were very helpful, extremely friendly, and most importantly, they explained to us everything in English. They didn't try to use technical words to confuse us. They broke everything down the terms that we could understand and they did everything...
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Reply from Kelly Carrera
May 27th, 2025 05:23 PM
We are so thrilled for you and Angie to finally have your NEW HOME! Thank you for acknowledging both Jessica and me; we are delighted to have been able to assist you and you were wonderful to work with as well! : ) We wish you many wonderful...
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My wife and I have been working with Kelly for a while. Even before we were able to buy. She advised us properly on what we needed, so that we would be able to buy a home. With her knowledge and advice she has made our dream come true.
Reply from Kelly Carrera
May 13th, 2025 04:34 PM
This was extra special for me knowing you since you were just a kiddo-lol Thank you for your kind words and trust in me throughout the process. I am very proud of you and all you have accomplished & your beautiful family Sam. It was nice getting...
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Good communication,explains everything in details makes it easier to understand
Reply from Kelly Carrera
April 28th, 2025 05:48 PM
I'm delighted to hear that the communication and detailed explanations were helpful to you. It was a pleasure assisting you with your new home purchase Salvador. :) Thank you for your kind words.
Communication and always ther to help when we need it
Reply from Kelly Carrera
April 28th, 2025 05:46 AM
I'm thrilled to hear that you appreciated the communication and support during your loan process. It was a pleasure assisting you with your purchase. Thank you for your kind words, Rolando.
Kelly was always there to answer my questions no matter the time of day and she went above and beyond to make sure I get approved. She makes the process really easy. This is my second time with her and I don't plan on changing to anyone else...
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Reply from Kelly Carrera
March 4th, 2025 05:17 PM
Thank you so much for your kind words, Fahad. I'm thrilled to hear that I could be there for you throughout the process and make things easier. Helping you achieve your goals is what I love most about my work, and it means a lot to have your...
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kelly worked with us and was willing to be available to help answer concerns thru out the process
Reply from Kelly Carrera
February 24th, 2025 06:52 PM
Maria, thank you so much for your kind words and for trusting me with your home purchase. It was a pleasure working with you, and I'm glad I could be there to answer your questions and make the process smoother for you. Your satisfaction is...
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Kelly had so much insight and wisdom for me when I had many questions, she helped me so much throughout my home buying experience and i truly appreciate her for that. I can truly say my hand was held throughout the home ñending lending process...
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Reply from Kelly Carrera
February 7th, 2025 03:15 AM
Catalina, Thank you! It's incredibly rewarding to hear that my guidance and support made a difference in your home buying journey. There's no such thing as too many questions-I appreciated your involvement! I'm so thrilled I could be there...
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Kelly has beautiful personality, she's very positive, and she was always very honest. She listened to us and she was always available for us any time of day/ week when we had questions. Kelly went above and beyond for us and we are truly gratefeful...
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Reply from Kelly Carrera
February 7th, 2025 12:18 AM
Maria, your words are so incredibly kind! It truly warms my heart to hear that my work has had such a positive impact on your experience. AND I love even more that I get to have you as my new neighbor! lol I genuinely enjoyed working with you...
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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."