Maria Contreras

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

Rate Shopping Mistakes
Rate Shopping Mistakes
May 4 2026   Mortgage rates Homebuying
Most homebuyers assume that collecting more mortgage quotes automatically leads to a better deal. On paper, it sounds logical. More options should mean more savings, right? In reality, rate shopping without a clear strategy often creates confusion,... Read More
One Score May No Longer Decide
One Score May No Longer Decide
Apr 29 2026   credit score fico pre-qualification mortgage
For decades, getting approved for a mortgage has often come down to a single number. One score, generated by one dominant model, carried outsized weight in determining whether someone could buy a home. It didn’t matter if you paid your rent on... Read More
You’re Not Just Buying a Home—You’re Locking in a Financial Advantage
You’re Not Just Buying a Home—You’re Locking in a Financial Advantage
Apr 23 2026   lock in rates fixed rates rent increase
When most people think about a 30-year fixed mortgage, they focus on the rate. Is it high? Is it low? Should they wait? But that framing misses the bigger picture entirely. When you lock in a fixed-rate mortgage, you’re not just buying a... Read More
HELOC vs. Cash-Out Refinance: It’s Not About the Product—It’s About the Timing
HELOC vs. Cash-Out Refinance: It’s Not About the Product—It’s About the Timing
Apr 20 2026   HELOC Cash-Out Refinance Line of Credit Home Equity Timing of HELOC
When homeowners need access to cash, two options usually rise to the top: a HELOC or a cash-out refinance. On the surface, they solve the same problem. But how—and when—you use each one can make a meaningful difference in your financial... Read More

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