# Esme

> 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.

- Email: sotoloans4u@gmail.com
- Phone: +16198911695
- Address: 270 E Douglas Ave, El Cajon, CA 92020, USA

- **Manufactured Home Loans**: Whether you’re purchasing a manufactured home on owned land or in an approved land-lease community, I work with lenders that specialize in manufactured home financing. Qualified borrowers may have financing options with down payments starting as low as 10%, subject to lender, investor, and property approval.

## Services

- [Purchase Loan Options](https://esmeknowsrealestate.com/services/purchase-loan-options.md): Compare mortgage options from 160+ wholesale lenders, including Conventional, FHA, VA, Jumbo, DSCR, Manufactured Home, and First-Time Homebuyer programs.
- [Refinancing Solutions](https://esmeknowsrealestate.com/services/refinancing-solutions.md): Explore refinance options designed to help you lower your monthly payment, access home equity, shorten your loan term, or restructure your mortgage around your financial goals.
- [Home Equity Loans & HELOCs](https://esmeknowsrealestate.com/services/home-equity-consulting.md): Put your home’s equity to work with financing options designed to fit your goals. Whether you’re planning home improvements, consolidating debt, covering education expenses, or making a major purchase, I’ll help you choose the right solution.
- [Real Estate Services](https://esmeknowsrealestate.com/services/san-diego-real-estate-agent.md): Whether you’re buying, selling, or investing, I’ll guide you through every step with expert market knowledge, strategic negotiation, and personalized service.
- [Investment Property & DSCR Loans](https://esmeknowsrealestate.com/services/investment-property-dscr-loans.md): Finance your next investment property with DSCR loan options and investment financing starting with down payments as low as 25% for qualified borrowers. Compare solutions from over 160 wholesale lenders.

## Contact & Social

- [instagram](https://instagram.com/esmeknowsrealestate)

## Pages

- [Home](https://esmeknowsrealestate.com/index.md)
- [Home Equity Line of Credit (HELOC)](https://esmeknowsrealestate.com/services/home-equity-consulting.md)
- [Investment Property & DSCR Loans](https://esmeknowsrealestate.com/services/investment-property-dscr-loans.md)
- [First-Time Homebuyer Programs](https://esmeknowsrealestate.com/services/purchase-loan-options.md)
- [Lower Your Interest Rate](https://esmeknowsrealestate.com/services/refinancing-solutions.md)
- [Home Buying Services](https://esmeknowsrealestate.com/services/san-diego-real-estate-agent.md)