With over 15 years of experience in banking and lending, Carlos Pena has worked for major financial institutions in the country. With responsibilities of evaluating, authorizing, and approving loan applications and managing a large loan portfolio, Carlos will provide you with a full guidance and understanding of the mortgage process. From application, origination, underwriting to closing, Carlos adds the most important element to the equation: human value and connection. Whether you’re a first-time home buyer, looking to lower your mortgage rate, or utilize some of the equity in your home for various projects, or simply ready to upgrade, Carlos will work with you every step of the way. His expertise in the lending area, and background in banking and real estate, will ensure you have a world class experience. Carlos looks forward to working with you to achieve your homeownership dreams.