About Cari Mendez

As a licensed Homebridge Mortgage Loan Originator in California (NMLS #895546), Cari Mendez can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Cari welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Cari has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Cari Mendez Anytime

Feel free to contact Cari anytime by phone or email for personalized service and expert advice. Cari Mendez will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Cari Mendez is 203(k) Renovation Lending Certified

Cari is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Cari Mendez values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Cari by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

Vianney E. Aug-18
“Great customer service! Really helped us understand the entire process clearly.”
Keith K. Aug-18
“Easy to reach for questions.”
Michael L. Aug-18
“Cari and Angie are very efficient and have kept us in the loop 100% of the way.”
Rickie M. Aug-18
“Easy to reach them for questions.”
Jorge A. Aug-18
“The entire process was easy, communication with Cari and Angelina was excellent. Overall a very smooth process.”
Melissa C. Aug-18
“Cari Mendez was very professional and patient during the loan process.”
Keith K. Aug-18
“Easy to reach for questions.”
Michael L. Aug-18
“Cari and Angie are very efficient and have kept us in the loop 100% of the way.”
Rickie M. Aug-18
“Easy to reach them for questions.”
Jorge A. Aug-18
“The entire process was easy, communication with Cari and Angelina was excellent. Overall a very smooth process.”
Melissa C. Aug-18
“Cari Mendez was very professional and patient during the loan process.”
Vianney E. Aug-18
“Great customer service! Really helped us understand the entire process clearly.”
Vianney E. August 2018
“Great customer service! Really helped us understand the entire process clearly.”
Keith K. August 2018
“Easy to reach for questions.”
Michael L. August 2018
“Cari and Angie are very efficient and have kept us in the loop 100% of the way.”
Rickie M. August 2018
“Easy to reach them for questions.”
Jorge A. August 2018
“The entire process was easy, communication with Cari and Angelina was excellent. Overall a very smooth process.”
Melissa C. August 2018
“Cari Mendez was very professional and patient during the loan process.”
Michael L. August 2018
“Cari and Angie are very efficient and have kept us in the loop 100% of the way.”
Rickie M. August 2018
“Easy to reach them for questions.”
Jorge A. August 2018
“The entire process was easy, communication with Cari and Angelina was excellent. Overall a very smooth process.”
Melissa C. August 2018
“Cari Mendez was very professional and patient during the loan process.”
Vianney E. August 2018
“Great customer service! Really helped us understand the entire process clearly.”
Keith K. August 2018
“Easy to reach for questions.”
Shawn C. April 2018
“Professinal, efficient and very polite.”
Jon B. March 2018
“Excellent professionalism and prompt to respond to all of our needs.”
Ricardo R. January 2018
“Great, quick service!”
Robert A. December 2017
“Great efficient service.”
Vincent S. December 2017
“Cari Mendez went above and beyond to help connect us with a credit counselor. Ms. Mendez also ensured we understood the process at every turn and step. She was great at constantly communicating with us. ”
Conni T. November 2017
“Good experience.”
Richard T. October 2017
“Very quick and responsive. Always available at a moments notice. Friendly and professional service.”
Robert M. October 2017
“Cari Mendez was amazing. She was extremely thorough and came up with a loan that met our needs perfectly.”
Ruben M. October 2017
“I had all the help I needed and more with no hesitation.”
Linda S. Montclair, CA
“Cari and her team went over and above to get this loan put together in such a short period of time. We were down to the wire and she made it happen. I really appreciate how they kept me informed all along the way.”
Carlos M. Harbor City, CA
“Got the transaction done first and in a timely manner. Excellent work.”
Manases Q. San Bernardino, CA
“Excellent experience.”
Susanne H. Riverside, CA
“Cari Mendez and her processor are excellent communicators! They kept myself and the buyer informed every step of the way which instilled confidence and trust in their ability to bring us all the way through a successful close. My buyer was so happy to get keys to their new home, and I'm thankful to Cari and team for their hard work that helped make it happen!”
Lisa J. Ontario, CA
“Cari Mendez went above and beyond to assist us. We are extremely busy small business owners and Cari gave us education, appropriate and beneficial choices, kept us on track, kept us informed and made personal visits to assist with gathering the docs needed. In addition to her exceptional customer service, she was friendly and kind and very patient! We were also impressed that her manager, Dave Powers, also reached out to us. We were very well taken care of and they made the process easy to understand. Their professionalism, knowledge and hard work were greatly appreciated!”

Our Latest Thinking

It’s time to find the right loan for you. Tell us a little more about yourself to get started.