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Marlene Santos

NMLS# 633599Residential Loan Officer

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About

Since 1999, Marlene Santos has been helping people in Northern California buy or refinance a home with confidence. She knows the homebuying process can be overwhelming – especially for first-time homebuyers—and she's made it her mission to be available and responsive. Whether it's a phone call or a quick e-mail while she's visiting family, Marlene is known for going above and beyond for her clients. She considers herself a "go-to person," and has built her reputation for service by being honest, upfront and genuine—values she carries into every client relationship.

Marlene is an avid traveler and has visited many countries around the world. She loves seeing new places and meeting people from all walks of life, making her role as a loan officer the perfect fit.

Ready to connect and learn about homeownership? Give Marlene a call today.

Featured

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First-time homebuyer loans

If you’ve never bought a home or haven’t owned one in recent years, let us walk you through our many home buying programs. Contact us today – our specialists are ready to start this journey to homeownership together.

First-Time Homebuyer
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Answering your homebuying questions

Becoming a well-informed buyer is important. We make it simple. Our residential loan officers are here to answer your home financing questions and prepare you for homeownership through our seminars and workshops.

Homebuyer Education
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Your home can help you achieve your dreams

Have major expenses on the horizon, like a remodel or college tuition? As a homeowner you can borrow against the equity in your home while keeping your first mortgage intact. Ask us how a fixed-rate second mortgage can help.

Second Mortgage

Services

Purchase
Refinance
Cash-Out Refinance
Down Payment Assistance
Pre-Qualification
Pre-Approval
Mortgage Rates
Fixed Rate Loans
Adjustable Rate Loans
Vacation/Second Homes
Investment Properties
Land Loans
Home Equity Line Of Credit (Heloc)
Community Land Trust

Mortgage Calculators

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Mortgage Calculator

Enter your loan amount and interest rate to calculate your estimated monthly payment.

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Rent vs. Buy a Home

The decision to buy a home is an important one. Our Rent vs. Buy Calculator helps you weigh your options.

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15 vs. 30 Year Mortgage

Paying less interest vs. having a lower monthly payment. There’s much to consider when it comes to the length of your loan.

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Mortgage Refinance

Interest rates are just one factor in determining if a refinance is right for you.