Teresa Carranza

Teresa Carranza

Loan Originator
NMLS #2051709
teresa.carranza@bancorp.com
Direct: 559-310-9719

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Welcome

I understand that purchasing your first home can be intimidating. Having Resban on your side will make all the difference. Why learn by trial and error? You have a friend in the business! I will guide you through the process step by step. Let me make this dream a reality for you. Homeownership is a lifetime commitment and I will be there for you every step of the way.

I guide all of my clients smoothly through their transactions, and I get a great deal of satisfaction knowing that I helped someone make their dreams come true. I can help you as well. All of my clients are special to me. Because we have to work very closely throughout the process, a special bond is usually developed that remains even after the transaction is closed.

Programs

FHA Loans
The FHA, or Federal Housing Administration, provides mortgage insurance on loans made by FHA-approved lenders. FHA insures these loans on single family and multi-family homes in the United States and its territories.

Conventional Loans
A conventional loan is a loan backed by either Fannie Mae or Freddie Mac, the two entities which comprise the Federal Housing Finance Agency (FHFA). More than half of all new mortgage loans are conventional loans, which include special mortgage programs such as the HomeReady™

VA Loans
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).

  • FHA Loans
  • VA/Veteran Loans
  • FNMA / FHLMC Conventional
  • 203K Limited
  • USDA Rural Housing
  • HUD Repair Escrow
  • Good Neighbor
  • FHA Streamline
  • NO FICO Underwriting FHA
  • DU REFI Plus
  • Manual Underwriting
  • Home Equity Line of Credit
  • Mortgage Credit Certificate
  • Manufactured Housing
  • JUMBO Loans
  • Home Ready Programs
  • … and many more

Branch Address
55 N. Hockett St
Porterville, CA 93257
TEL: (559) 270-9205
NMLS: #1210565

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It's easy, fast, and simple!

In accordance with Section 326 of the USA Patriot Act of 2001, Residential Bancorp NMLS ID: 210853 is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act. I acknowledge this is not a formal application, under the Real Estate Settlement Procedures Act, or a commitment to lend. Your loan officer will contact you to complete your application and determine which products may best suite your financial needs. Final loan approval will be subject to a complete application, complete sales contract when you find a home (purchase transactions only), a property appraisal, determination by the lender that the property meets underwriting and commitment conditions, and a verification of your income, employment, assets, credit history and any other information necessary in compliance with lender’s underwriting guidelines. If you supplied your social security number in the Pre-application, you are permitting the lender to order a credit report in connection with your request for credit.
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