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Katrina Carter, Senior Mortgage Advisor at Empire Home Loans

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A licensed mortgage broker with a rare combination of lending knowledge and property expertise — serving the East Bay with over three decades of experience.

A true Bay Area native, I was born in San Francisco and raised in South San Francisco, giving me deep roots and real fluency across the East Bay — from San Leandro and Oakland to Lafayette, Moraga, Orinda, Danville, and San Ramon.

I have lived in the communities I serve, including Gale Ranch in San Ramon, and understand firsthand what buyers and homeowners are navigating at every price point.

With over 30 years of experience in sales, marketing, and real estate, I bring a rare combination of property knowledge and mortgage expertise to every transaction. While I hold both real estate and mortgage licenses, this site is built around one thing: getting you the right loan.

Whether you are a first-time buyer, a move-up buyer leveraging Prop 19, an investor building a portfolio, or a homeowner exploring your options, I build a personalized loan roadmap to get you where you want to go.

With the support of my dedicated team, I make each client my number one priority. I am transparent about the realities of the market, willing to pivot when necessary, and remain focused on the ultimate goal — finding the right loan solution for you.

Senior Mortgage Advisor at serving the East Bay with over 30 years of real estate experience.

| NMLS | CA DRE# 01324500

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About | Katrina Carter | Empire Home Loans