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Hello
My name is Carl D Brackens,
Mortgage Loan Officer in California
I am a home loan expert dedicated to making sure your home purchase or refinance experience is top-notch.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional.


Carl is the best!! I been doing business with Carl since 2006, he’s very professional, trustworthy, and diligent. I would not trust anyone else to handle my purchase and/or refinancing. Carl was able to find programs for me when no one could! Each time I refinanced, he’s given me the beat deal in the market!! Thanks Carl for all you do!!!!
Deronda D
Carl cares about quality and finding the best value. He also closes files super fast. Carl is dialed in. You are in GREAT hands working with this team! Thank you, Carl!
Billie McLeod
I really enjoyed working with Carl and Iris on my refinance. Carl is very knowledgeable. He was referred to me by my brother and I will definitely refer people to Carl too. The rates and terms were exactly what I was looking for.
Maria Pham

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