I’m Tiffani — a Senior Loan Officer with 18+ years helping Californians finance homes, from first purchases to investment properties. I’ll walk you through your options in plain English, then get you to the closing table.
Tiffani Hom · Senior Loan Officer, Unity Home Loans · NMLS #247351 · Licensed in California
After 18 years in mortgage lending, I’ve learned that most borrowers don’t need a sales pitch — they need someone to explain the numbers honestly, return calls quickly, and quarterback the file so closing day actually happens on closing day.
Whether you’re buying your first home, refinancing, or building a rental portfolio, my job is the same: find the loan that fits your life, not the other way around.
Every borrower’s situation is different. These are the programs I work with most — and if you’re not sure where you fit, that’s exactly what a first conversation is for.
The workhorse of home financing, including options with as little as 3% down for qualified buyers.
Flexible qualifying guidelines that open the door for many first-time buyers.
For those who’ve served — including no-down-payment options for eligible veterans and service members.
California programs that can help bridge the gap when savings are the sticking point.
A niche many lenders won’t touch. I’ve been financing manufactured housing for years.
Financing built for investors, including loans that qualify on the property’s rental income.
A line secured by the equity you’ve already built — draw on it for renovations, consolidation, or a cushion to keep in reserve.
For homeowners 62 and older considering how to use their home equity in retirement. HUD-approved counseling is part of the process, and you keep title to your home.
The secure application takes about 15 minutes. Start it whenever works for you — nights and weekends included.
I’ll go over what you qualify for and what it really costs, side by side, so you can decide with clear eyes.
Underwriting, conditions, appraisal, escrow — I stay on top of every piece and keep you posted the whole way.
Questions about qualifying, rates, or whether now is the right time — no application required, no pressure attached.