With 36 years of experience in the mortgage and lending industry, I bring a wealth of knowledge, dedication, and a deeply personal approach to every client I serve. Licensed and active throughout San Diego, Riverside, Orange, and Los Angeles Counties, I have built my reputation on one simple belief: there is a loan for every home.

I take pride in guiding my clients through every step of the loan process — offering hands-on support whether that means leveraging the latest technology or meeting face-to-face. I take the time to truly understand each client's financial situation and long-term goals, ensuring they are matched with the loan product that best fits their needs today and well into the future.

As a fluent Spanish-speaking loan officer, I am able to serve a broader community and ensure that language is never a barrier to homeownership. My flexible scheduling — including weekend availability — reflects my unwavering commitment to putting my clients first, no matter when they need me.

I specialize in a comprehensive range of loan products, including FHA, VA, Conventional, Jumbo, First-Time Buyer programs, Investment Properties, Foreign National, and Non-QM/Alternative Income Loans. My personal connection to the military community — as the spouse of a 23-year Navy Veteran — has given me exceptional insight into VA loan benefits, making me a trusted resource for active-duty service members, Veterans, and their families.

I am also a certified lender for both the California Housing Finance Agency (CalHFA) and the San Diego Housing Commission, giving first-time buyers access to valuable down payment assistance and affordable financing programs.

Whether you're buying your first home, investing in property, or navigating a complex financial situation, I have the experience, expertise, and heart to help you get there.

lalatorre@pointmtg.com