Mortgage Guidance for Bay Area Buyers & Homeowners. No pressure.

First Time Buyers, Homeowners & Investors

Meet Your Lender Chris

Hey, it’s me, Chris. I’m born and raised here in the San Francisco Bay Area. I love helping buyers and homeowners make clear decisions regarding home mortgages. It’s not about me. It’s about your goals, your objectives, your needs. My goal isn’t to sell you a loan — it’s to build a plan that fits your life. First Time Buyers should start here.

I’m a community builder and active in fundraising for causes within my local community. An active Rotarian with the Rotary Club of Castro Valley, I am a past president of that organization and proudly serve on its board of directors and chair an annual dinner that’s raised thousands of dollars for local organizations here in Castro Valley.

I help buyers and homeowners understand:

How mortgage options actually work (FHA, VA, ARMs, fixed loans, bridge loans, and down payment assistance programs)
How to use home equity strategically
When refinancing truly makes sense
How to navigate debt consolidation and cash-out decisions

As a mortgage broker, I have access to over 120 different investors, including United Wholesale Mortgage, Kind Lending and so many more. Whether it’s a home equity line of credit or multi-unit investment property, let me show you how I’m different from the big banks, mortgage banks and credit unions.

Planning a move out of state? I’m also licensed in Nevada and maintain trusted broker relationships in more than 35 additional states.

The mental noise around mortgages can be exhausting…

“Am I looking at the right loan?”
“Is now even the right time?”
“Am I missing something important?”
“Who can I actually trust here?”

I remember early in my career realizing most people weren’t confused because they weren’t smart. They were overwhelmed by too many moving parts and not enough clear guidance.

That’s the whole point of how I work.

When the strategy is clear, the pressure drops.
When the numbers make sense, decisions get easier.
When the plan fits your life, everything starts to click.

If you’re feeling stuck or unsure where to start, you’re in the right place.

First-Time Homebuyers

Understand affordability, loan options, and how to structure competitive offers in the Bay Area.

Explore First-Time Buying →

Plan Your Next Move

Use your equity to upgrade, downsize, or buy before you sell — with a clear plan and clean numbers.

Plan Your Next Move →

Debt Relief & Refinance

Explore cash-out, consolidation, and refinance strategies that improve cash flow without guesswork.

Explore Refinance Options →

Loan Options

Compare 30-year, 15-year, FHA, VA, ARM, jumbo, bridge, and investment strategies — in plain English.

View Loan Options →

People First. Loans Second.

Q: Who do I help?
A: Bay Area homebuyers, refinancers, investors, and people using equity strategically.
Q: What’s different about my approach?
A: I explain options with clarity, no jargon, and focus on what fits your life goals.
Q: What is your role in helping clients make mortgage decisions?
A: My job isn’t to tell you what to do but rather what’s possible.

Real Clients. Real Outcomes.

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!