Christian Carr - NMLS #1466899 - Christian Carr - NMLS #1466899

First-Time Buyers

Let us show you how to unlock special programs for first time buyers. Low down payment options, and grants are available. Even if you’ve owned before, if you haven’t owned in 3 years, you may still qualify.

Your Next Home

So, you’ve outgrown your current home — let’s get you qualified for one that fits your current lifestyle. Whether it’s less maintenance, lower costs or an extra bathroom or nicer neighborhood, we’ve go you covered.

Debt Relief

Drowning in debt, even with that sweet low mortgage rate? You’re not alone — credit cards, car loans, student loans, HELOCs and inflation are crushing millions. The fact that you’re here means you’re ready for relief.

🧠 What To Expect from Me

You’ll get honest answers, clear communication, and zero pressure. My job is to help you feel informed and confident — whether you’re ready to buy now or just figuring out your next step. I’ll walk with you through every part of the process, so it never feels overwhelming or one-size-fits-all.

🤝 Smart, Personalized Options

No two buyers are the same — and your mortgage shouldn’t be either. I’ll help you explore loan options that match your goals, your budget, and your future plans. Not a standardized approach. No guesswork. Just smart guidance, tailored to you.

✨ No Pressure, Just Possibilities

You don’t need to have it all figured out. This is a space to explore what’s possible, ask questions without judgment, and take the next step only when it feels right. I’m here to guide, not push — because your peace of mind matters more than a sale.

Christian served as the lender on the close of a beautiful Craftsman home in Long Beach, CA. We used a VA Loan. I've worked with many lenders in my Real Estate Career and Chris ranks up there in communication, client advocacy, industry knowledge and work ethic. I suggest consulting with Christian if your goals are to purchase property in the near future. Looking forward to doing business again.

So I just completed a refinance with Chris. The process was smooth, quick, and not at all stressful. I expected as much though from my first experience with Chris on the purchase of my house. Chris really does look out for the best interest of his clients. He does not try to push you into something you're not comfortable with. You need to contact Chris Carr if you are purchasing or refinancing!

My husband and I had the pleasure to work with Chris Carr on our first home purchase. As many may know, buying your first home can be incredibly stressful but this was such an easy and smooth experience. Chris did a great job in answering all of our questions, and helped explain the process thoroughly. He made himself available to us via email or cell phone and even stayed in touch with us during his vacation. Chris was so knowledgeable and attentive and made us feel comfortable and more educated with the whole mortgage process. I am thankful for Chris’ professionalism, responsiveness, and honest assistance from beginning to end. I would recommend Chris to friends and family without hesitation.

Chris was a delight and so easy to work with! We were able to move at the speed of light with all of our contracts as he was very clear in the upfront with all we would need to provide/fill out/etc. 10/10 recommend!

Stay Up On Housing and Mortgage Trends

I post regularly on trends and news regarding home finance and real estate. You can see more below.

🔍 Real Talk: My Commentary

Mortgage Rates: The Truth Behind The Fed’s Influence

The Federal Reserve does not directly set mortgage rates; it influences them indirectly through short-term money control and economic factors. Mortgage rates are primarily determined by the bond market, particularly the 10-year Treasury yields. Various elements such as inflation expectations and investor demand significantly impact mortgage rates, making them market-driven outcomes.

September 30, 2025 No Comments

📊 Weekly Market Update

Maximize Savings: Don’t Wait for Fed Rate Cuts

Mortgage rates are influenced by mortgage-backed securities and the 10-year Treasury, not directly by the Fed’s rate decisions. Markets price in anticipated cuts, creating short windows for refinancing opportunities. Waiting for the ideal rate can lead to lost equity and increased costs. Act promptly to capitalize on favorable market conditions.

September 12, 2025 No Comments

🔁 Refinance & Equity Tips

Should You Refinance Into a 15‑Year Mortgage?

Refinancing to a 15-year fixed mortgage can save homeowners on interest and accelerate equity buildup but entails higher monthly payments and requires financial discipline. Key considerations include the ability to afford the payments, long-term plans, and closing costs. Analyze options carefully to ensure it aligns with financial goals.

July 30, 2025 No Comments

💡 Smart Money Moves

Using a Refi to Pay Off Student Loans: Smart or Shortsighted?

Homeowners with student loan debt might consider a cash-out refinance to use home equity for repayment. This move can provide lower interest rates and simplify finances but carries risks, such as losing federal loan protections and risking foreclosure. It’s advisable when managing private loans and strong cash flow, but alternatives exist for securing savings without jeopardizing home stability.

July 29, 2025 No Comments