Buying a home is one of the biggest financial decisions you’ll ever make. You deserve a mortgage professional who is experienced, responsive, and committed to helping you succeed.

As an Independent Mortgage Loan Officer proudly serving clients through Equity Smart Home Loans, I have access to 160+ wholesale lenders, allowing me to compare a wide range of mortgage programs to help eligible borrowers find financing that fits their unique goals not just one lender’s products.

With more than 25 years of mortgage industry experience, I proudly serve California homebuyers, homeowners, real estate investors, and Realtor partners by providing expert guidance, personalized mortgage solutions, and exceptional customer service from pre-approval through closing.

I specialize in:

✔ First-Time Homebuyer Programs

✔ FHA, VA & Conventional Home Loans

✔ Self-Employed & Bank Statement Loans

✔ DSCR & Investment Property Financing

✔ Jumbo Loans

✔ Home Equity Loans & HELOCs

✔ Refinancing & Cash-Out Refinancing

What You Can Expect

✔ Honest Advice

✔ Clear Communication

✔ Fast & Responsive Service

✔ Personalized Mortgage Strategies

✔ Dedicated Support Every Step of the Way

Whether you’re buying your first home, refinancing, investing, or expanding your real estate portfolio, I’m committed to helping you achieve your homeownership goals with confidence.

Esmeralda Soto

Mortgage Loan Officer

NMLS# 2556536

DRE # 02231213

Phone (619) 891-1695

Corporate Office

Equity Smart Home Loans

NMLS #: 294805; 856170

DRE #: 01377927

Office (323) 258-4317

1499 Huntington Dr. Suite 500,

South Pasadena, CA 91030

Visit equitysmartloans.com. Rates, Fees and Programs are subject to change without notice. This is not a guarantee or a commitment to lend. Some products may not be available in all states. Not all applicants qualify for financing, subject to review of credit/collateral. Equity Smart Home Loans NMLS#: 856170 DRE#: 01906808 Headquarters: 1499 Huntington Dr Suite 500, South Pasadena, CA 91030, (323) 258-4317 Licensed by applicable state regulatory agencies. Loans made or arranged in California pursuant to a California Financing Law license.