For SF Bay Area buyers & homeowners
Your mortgage, made simple.
Personalized guidance from pre-approval to close, so you can move forward with confidence in the
San Francisco Bay Area.
How it works
How it works
How it works
A streamlined path to homeownership
01
Submit Your Application
Effortlessly schedule a consultation to discuss your business needs and challenges. We streamline the process to get started quickly.
Submit Your Application
Effortlessly schedule a consultation to discuss your business needs and challenges. We streamline the process to get started quickly.
Submit Your Application
Effortlessly schedule a consultation to discuss your business needs and challenges. We streamline the process to get started quickly.
Upload Your Documents
I will handle everything for you behind the scenes, and make sure that everything stays on the right track.
Upload Your Documents
I will handle everything for you behind the scenes, and make sure that everything stays on the right track.
Upload Your Documents
I will handle everything for you behind the scenes, and make sure that everything stays on the right track.
02
03
Run Your Free Credit Report
Effortlessly schedule a consultation to discuss your business needs and challenges. We streamline the process to get started quickly.
Run Your Free Credit Report
Effortlessly schedule a consultation to discuss your business needs and challenges. We streamline the process to get started quickly.
Run Your Free Credit Report
Effortlessly schedule a consultation to discuss your business needs and challenges. We streamline the process to get started quickly.
Submit to Underwriting
I will handle everything for you behind the scenes, and make sure that everything stays on the right track.
Submit to Underwriting
I will handle everything for you behind the scenes, and make sure that everything stays on the right track.
Submit to Underwriting
I will handle everything for you behind the scenes, and make sure that everything stays on the right track.
04
05
Get Your New Keys
Up until we close the deal, I will be with you every step of the way to make sure it's a quick, smooth process.
Get Your New Keys
Up until we close the deal, I will be with you every step of the way to make sure it's a quick, smooth process.
Get Your New Keys
Up until we close the deal, I will be with you every step of the way to make sure it's a quick, smooth process.
Services
Services
Services
Loan Programs
Conventional Loan
Whether it's a first home, vacation retreat, or investment property, it all starts with the right financing. For qualified buyers with good credit, manageable debt, and flexible down payment options.
Conventional Loan
Whether it's a first home, vacation retreat, or investment property, it all starts with the right financing. For qualified buyers with good credit, manageable debt, and flexible down payment options.
Conventional Loan
Whether it's a first home, vacation retreat, or investment property, it all starts with the right financing. For qualified buyers with good credit, manageable debt, and flexible down payment options.
Hard Money
Short-term, asset-based financing ideal for investors or time-sensitive deals. Based on property value, not credit, with fast approval and funding.
Hard Money
Short-term, asset-based financing ideal for investors or time-sensitive deals. Based on property value, not credit, with fast approval and funding.
Hard Money
Short-term, asset-based financing ideal for investors or time-sensitive deals. Based on property value, not credit, with fast approval and funding.
VA Loans
VA Loans offer exclusive benefits for eligible veterans, active-duty service members, and spouses—including zero down payment and no mortgage insurance.
VA Loans
VA Loans offer exclusive benefits for eligible veterans, active-duty service members, and spouses—including zero down payment and no mortgage insurance.
VA Loans
VA Loans offer exclusive benefits for eligible veterans, active-duty service members, and spouses—including zero down payment and no mortgage insurance.
Bank Statement Programs
Designed for self-employed borrowers. Qualify based on personal or business bank statements instead of traditional income documents like tax returns or W-2s.
Bank Statement Programs
Designed for self-employed borrowers. Qualify based on personal or business bank statements instead of traditional income documents like tax returns or W-2s.
Bank Statement Programs
Designed for self-employed borrowers. Qualify based on personal or business bank statements instead of traditional income documents like tax returns or W-2s.
Foreign National Programs
Designed for non-U.S. residents, our Foreign National Loans offer flexible terms and don’t require a U.S. credit history.
Foreign National Programs
Designed for non-U.S. residents, our Foreign National Loans offer flexible terms and don’t require a U.S. credit history.
Foreign National Programs
Designed for non-U.S. residents, our Foreign National Loans offer flexible terms and don’t require a U.S. credit history.
Bridge Loan
A bridge loan lets you use the equity of your current home before it’s sold to cover the down payment and closing costs on your new home
Bridge Loan
A bridge loan lets you use the equity of your current home before it’s sold to cover the down payment and closing costs on your new home
Bridge Loan
A bridge loan lets you use the equity of your current home before it’s sold to cover the down payment and closing costs on your new home
Self Employed Programs
Flexible mortgage solutions designed specifically for self-employed borrowers—get approved based on your unique income structure.
Self Employed Programs
Flexible mortgage solutions designed specifically for self-employed borrowers—get approved based on your unique income structure.
Self Employed Programs
Flexible mortgage solutions designed specifically for self-employed borrowers—get approved based on your unique income structure.
Cash-out Refinance
Refinance your existing mortgage and access your home’s equity as cash. Ideal for consolidating debt, funding renovations, or covering major expenses.
Cash-out Refinance
Refinance your existing mortgage and access your home’s equity as cash. Ideal for consolidating debt, funding renovations, or covering major expenses.
Cash-out Refinance
Refinance your existing mortgage and access your home’s equity as cash. Ideal for consolidating debt, funding renovations, or covering major expenses.
FHA Loan
FHA Loans offer low down payments and flexible terms—ideal for first-time and low-to-moderate income buyers. Backed by the government for added security.
FHA Loan
FHA Loans offer low down payments and flexible terms—ideal for first-time and low-to-moderate income buyers. Backed by the government for added security.
FHA Loan
FHA Loans offer low down payments and flexible terms—ideal for first-time and low-to-moderate income buyers. Backed by the government for added security.
Jumbo Loan
For loan amounts above conforming limits. Ideal for financing high-value or luxury properties that exceed standard mortgage caps.
Jumbo Loan
For loan amounts above conforming limits. Ideal for financing high-value or luxury properties that exceed standard mortgage caps.
Jumbo Loan
For loan amounts above conforming limits. Ideal for financing high-value or luxury properties that exceed standard mortgage caps.
About Me
About Me
About Me
Your Bay Area Mortgage Expert
Hi, I'm Gabriela! A dedicated loan officer based in the Bay Area with years of experience in helping people just like you navigate the world of home loans. I'm passionate about making your dream of homeownership a reality - and that starts with finding the perfect loan for you, not just the one that fits into a bank's standard mold.
I specialize in handling challenging loan scenarios and enjoy finding creative solutions that fit my clients' unique needs. With experience across a wide variety of loan programs, I'm here to help everyone, from first-time homebuyers to seasoned investors, achieve their financial dreams.
I take pride in serving a diverse customer base and am dedicated to making the loan process as smooth and enjoyable as possible. For me, every successful transaction is a step toward making dreams come true, and I'm excited to be a part of your financial journey.
Hi, I'm Gabriela! A dedicated loan officer based in the Bay Area with years of experience in helping people just like you navigate the world of home loans. I'm passionate about making your dream of homeownership a reality - and that starts with finding the perfect loan for you, not just the one that fits into a bank's standard mold.
I specialize in handling challenging loan scenarios and enjoy finding creative solutions that fit my clients' unique needs. With experience across a wide variety of loan programs, I'm here to help everyone, from first-time homebuyers to seasoned investors, achieve their financial dreams.
I take pride in serving a diverse customer base and am dedicated to making the loan process as smooth and enjoyable as possible. For me, every successful transaction is a step toward making dreams come true, and I'm excited to be a part of your financial journey.
Thank you Gabriela and Tom for helping us to get through this process. We won’t be able to make it without your help. Thank you also for answering all of our questions and helping us the best you can. God bless to both of you
Kenneth & Joana C.
Rated 5/5
Rated 5/5
Rated 5/5
FAQ
FAQ
FAQ
Answers to your most common questions
How quickly can I get Pre-Approved
Do you serve the entire Bay Area?
Which loan type is right for me?
What documents do I need?
How do I get started?
Do you charge consultation fees?
How quickly can I get Pre-Approved
Do you serve the entire Bay Area?
Which loan type is right for me?
What documents do I need?
How do I get started?
Do you charge consultation fees?
How quickly can I get Pre-Approved
Do you serve the entire Bay Area?
Which loan type is right for me?
What documents do I need?
How do I get started?
Do you charge consultation fees?
Loans by Gabriela
Personalized mortgage guidance throughout the San Francisco Bay Area
Nu Level Equity Silicon Valley
NMLS #2116007 (Gabriela Alvarez) • Corporation DRE #01869515 • NMLS #332463 • Nu Level Equity Silicon Valley — 2033 Gateway Place #609, San Jose, CA 95110
Equal Housing Lender
Loans by Gabriela
Personalized mortgage guidance
throughout the San Francisco Bay Area
Nu Level Equity Silicon Valley
NMLS #2116007 (Gabriela Alvarez) • Corporation DRE #01869515 • NMLS #332463 • Nu Level Equity Silicon Valley — 2033 Gateway Place #609, San Jose, CA 95110
Equal Housing Lender
Loans by Gabriela
Personalized mortgage guidance throughout the San Francisco Bay Area
Nu Level Equity Silicon Valley
Equal Housing Lender
NMLS #2116007 (Gabriela Alvarez) • Corporation DRE #01869515 • NMLS #332463 • Nu Level Equity Silicon Valley — 2033 Gateway Place #609, San Jose, CA 95110