fcontreras@houseloan.com
562-305-4818
Frank Contreras
Buying a home or exploring a refinance? Connect with Frank to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Frank
With 23 years of experience in the mortgage industry, Frank Contreras has built his career on helping individuals and families achieve the dream of homeownership. His commitment to exceptional service, honest communication, and personalized mortgage solutions has earned the trust of clients and real estate professionals throughout his career.
Frank specializes in assisting first-time homebuyers, move up buyers, real estate investors, and vacation home purchasers. Whether you're buying your very first home, expanding your investment portfolio, or searching for the perfect vacation property, he takes the time to understand your goals and guide you through every step of the financing process.
Known for his integrity, responsiveness, and in-depth knowledge of today's lending programs, Frank works hard to find the right financing solution for each client's unique needs. His mission is to make the mortgage process as smooth, transparent, and stress-free as possible while helping clients make confident financial decisions.
When you work with Frank, you're partnering with a mortgage professional who is dedicated to turning homeownership goals into reality one family at a time.
What clients say about Frank
Frank and Andrew were always very helpful, courteous and always took the time to answer all my questions. The whole process was quick and straightforward. I am very pleased. .
Our experience with Frank was better than what we could have expected. He walked us through the whole process and was also always communicating with us, at times going above and beyond. This process was long and stressful for us but he found a way to make it easy and felt doable. I would definitely go with Frank again for any future loans and would recommend him to anybody looking to do this process.
Frank and his team were very professional, knowledgeable and friendly. It a pleasure working with them made process less stressful. Thanks
Let’s connect
Contact Frank
Share a little about your plans and how to reach you.
Office locations
Office A
Santa Barbara, CA 93101
Suite K
Downey, CA 90240
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Frank today.
