Business Details
25 Years
experience
Trusted Mortgage Services in Campbell, CA
With over 24 years of dedicated service in the mortgage industry, I have built a reputation for delivering personalized and transparent lending solutions. My approach centers on understanding each client's unique financial goals, whether they're first-time homebuyers, seasoned investors, or seeking refinancing opportunities. Holding a California Real Estate Broker License and a Nationwide Mortgage Licensing System certification, I combine meticulous market knowledge with proactive communication to ensure clients remain informed throughout the loan process.My commitment extends beyond closing, as I maintain ongoing relationships to identify future savings opportunities. Recognized as a Top Originator by Scotsman Guide and Best Mortgage Specialist in Silicon Valley, I leverage my UC Santa Barbara legal studies background and MBA from San Jose State University to provide strategic guidance. Fluent in global perspectives from living in Australia and traveling extensively, I bring a nuanced understanding of diverse client needs while maintaining strict confidentiality and ethical standards.
Services
Conforming Loans
FHA Loans
VA Loans
HELOCs
Preapprovals
Details
- Year established: 2001
Highlights and features
- 24 years of mortgage industry experience with thousands of successful transactions
- Personalized loan comparisons aligned with individual financial goals
- Proactive communication with continuous loan process updates
- Certified Military Housing Specialist with VA loan expertise
- Post-closing support to identify future refinancing opportunities
Associations and certifications
- California Real Estate Broker License #01419531
- Nationwide Mortgage Licensing System #325332
- California Association of Mortgage Professionals (CAMP)
- NAMB Certificate-2021
- Certified Military Housing Specialist
What people say
Expertise and creativity
Best mortgage specialist
Knowledgeable and attentive
Saved $25K over loan term
Exceptional post-closing support
Services
Conforming Loans
Conforming loans adhere to Fannie Mae and Freddie Mac guidelines, offering competitive rates for borrowers with strong credit profiles. These fixed or adjustable-rate mortgages suit primary residences, investment properties, and second homes. Our expertise ensures clients understand loan limits and eligibility requirements specific to their location.
FHA Loans
FHA-insured loans provide low down payment options (as little as 3.5%) for qualified buyers with lower credit scores. We guide clients through upfront and monthly mortgage insurance requirements while maximizing long-term savings potential through proper loan structuring.
VA Loans
Certified Military Housing Specialist services include VA loan processing with zero down payment options for eligible veterans and active-duty personnel. We handle unique requirements like Certificate of Eligibility acquisition and specialized underwriting considerations to ensure smooth transactions.
HELOCs
Home Equity Lines of Credit offer flexible financing with variable rates and 30-year fixed-rate conversion options. We help clients evaluate HELOCs versus HELONs for debt consolidation, home improvements, or investment opportunities while explaining tax implications and repayment strategies.
Preapprovals
Our preapproval process verifies financial documentation to establish borrowing capacity before house hunting. This includes analyzing income, assets, debt-to-income ratios, and credit profiles to provide a formal letter strengthening purchase offers.
People
Irene Moustakas
Mortgage Broker
With 24 years of mortgage industry experience, Irene holds a California Real Estate Broker License and MBA from San Jose State University. Recognized as Scotsman Guide's Top Originator and Silicon Valley's Best Mortgage Specialist, she specializes in VA loans and has transacted thousands of purchases and refinances.
Questions
What loan programs do you offer?
We offer Conforming, FHA, VA, jumbo, HELOCs, and specialized programs like Bank Statement and Debt Service Coverage Ratio loans for investors.
How does the preapproval process work?
The process requires recent paystubs, W2s, tax returns, asset statements, and ID. We provide a written preapproval within 24-48 hours.
Do you specialize in any specific loan types?
We specialize in VA loans as a Certified Military Housing Specialist and offer tailored solutions for first-time homebuyers.
How are interest rates determined?
Rates depend on loan program, credit score, property type, and market conditions. Current rates range from 5-7% as of January 2023.
What post-closing services do you provide?
We monitor market changes to alert clients about refinancing opportunities that could save money on their existing mortgages.
