
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

You deserve a home
Veteran Administration (VA) Loans offer competitive rates for veterans and their families. Learn more about these and other government home loan options.
Government Loans
Build your dream home
Building or renovating your home is easier than ever with our All-in-One Custom Construction Loan. Short term construction, renovation costs and permanent financing are rolled into one loan with one set of closing costs.
Custom Construction Loans
Your home can help you achieve your dreams
Homeowners can borrow against the equity in their homes while keeping their first mortgage in-tact. A fixed-rate second mortgage can help with consolidating higher-interest debt or paying big expenses like a home remodel, college education or a second/vacation home.
Second MortgageServices
Mortgage Calculators
Mortgage Calculator
Enter your loan amount and interest rate to calculate your estimated monthly payment.
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.
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.
Mortgage Refinance
Interest rates are just one factor in determining if a refinance is right for you.




