Maria Contreras

  • Loan Officer
  • (408) 355-0511
  • 1356 Mitchell Rd Suite B
  • Modesto, CA 95351

Welcome to my website

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

This Week in Mortgage Rates: Buyers Are Back as Rates Hover in the Low 6s
This Week in Mortgage Rates: Buyers Are Back as Rates Hover in the Low 6s
Dec 6 2025   average 30-year fixed mortgage update weekly mortgage recap home buying 2025 refinance options
It’s been a busy week in the mortgage world. Rates moved up, down, and back again—but never broke out of a fairly tight range. Underneath those rate moves, we saw something important: buyers and homeowners are quietly stepping back into... Read More
Stronger Data Last Week Caused a Slight Rate Bump
Stronger Data Last Week Caused a Slight Rate Bump
Dec 1 2025   average 30-year fixed mortgage rates mortgage update homebuying jobless claims
As we head into the first week of December, mortgage rates are starting out just a bit higher than they were before the Thanksgiving holiday. The move was small, but it was driven by something important: stronger-than-expected economic data last... Read More
What Today’s Jobs Report Means for Mortgage Rates
What Today’s Jobs Report Means for Mortgage Rates
Nov 21 2025   average 30-year fixed mortgage rates jobs report unemployment rate 4.4% NFP 119k
Today’s mortgage rate movement came down to one thing: the long-awaited jobs report. And while the numbers were mixed, the overall effect was simple — mortgage rates held steady instead of rising. Here’s what happened and what it... Read More
50-Year Mortgages? Here’s What You Need to Know
50-Year Mortgages? Here’s What You Need to Know
Nov 11 2025   50-year mortgage long-term mortgage housing affordability home loans mortgage term
A New Idea: 50-Year Mortgages According to a recent Forbes report, the Trump administration says it’s exploring the possibility of 50-year mortgages as part of a plan to make monthly housing payments more affordable. It’s an eye-catching... Read More

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