About Karen Vogel

As a licensed Homebridge Mortgage Loan Originator in California (NMLS #250948), Karen Vogel can assist you with your home loan needs, including:

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

Karen welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Karen 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 Karen Vogel Anytime

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

Karen Vogel is 203(k) Renovation Lending Certified

Karen 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.

Karen Vogel 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 Karen 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

Dan M. Aug-18
“They have been very helpful and always willing to take my calls or texts.”
Dan M. August 2018
“They have been very helpful and always willing to take my calls or texts.”
Dan M. August 2018
“They have been very helpful and always willing to take my calls or texts.”
Freddie G. May 2018
“Karen was very proactive in the process.”
Brandon C. May 2018
“Great service!”
Ryan M. March 2018
“Great customer service!”
Mario L. March 2018
“Great customer service. Karen Vogel was super nice to work with!”
Norma D. March 2018
“Personal interaction and urgency to close the transaction.”
Linda H. November 2017
“Ease of process.”
Steve M. November 2017
“Karen is great.”
Carmen C. October 2017
“Karen treats us very well.”
Antwoine W. October 2017
“Great communication, friendly and easy service!”
Jose A. October 2017
“Excellent service.”
Michael E. San Bernardino, CA
“From the start of the loan process for my client and after opening escrow, Karen Vogel provided "up to the minute" information. Her expertise brought some much value. I will definitely be contacting her in the future. Karen Vogel is awesome!!”
Robert F. Rancho Cucamonga, CA
“We had a great Refi experience with our Loan Officer, Karen. She and her staff made the process so easy and kept us informed at every step of the way.”
Jenn C. Camarillo, CA
“She communicated directly with the borrowers and made alot of proactive gestures to keep everything on time.”
Kim S. Rancho Cucamonga, CA
“My Loan Officer, Karen Vogel is amazing. She helped me buy my first condo and refinance at lower interest rate. She was always interested in what was best for me. I will be using her to buy my first home in the future. She is simply the best Loan Officer in the area of Rancho.”
Alfonso R. Fontana, CA
“Karen V. created a very easy going process for us. There were no hassles and the process went very quick. She is an amazing person and I will recommend her to family and friends.”
Christopher S. Hemet, CA
“Karen Vogel is the best and when you'”
Sarah S. Redlands, CA
“Karen Vogel and Angelina Cortese were beyond helpful during the process of refinancing my home. They were always there to address any questions or concerns I had and they did so quickly. The process was completely painless and far exceeded my expectations! Thank you ladies!!!”
Davida B. Ontario, CA
“Karen Vogel and her assistant did an awesome job. She gets the job done.”
Diane P. Rancho Cucamonga, CA
“Karen Vogel and team are extraordinary. I appreciate their attention to detail and excellent follow-up.”
William C. Camarillo, CA
“Karen Vogel was accurate precise prompt and in all ways helpful above and beyond!!”
Irene M. Fontana, CA
“Karen Vogel was great and communicated throughout the process.”
Norma D. Fontana, CA
“Karen Vogel was honest with me throughout the transaction. If she didn't think it was possible to refinance at this particular time, she would have told me upfront without wasting my time. I appreciate her integrity and promptness on all levels.”
Michael M. Fontana, CA
“Extremely helpful with getting our loan done. Emilio and his staff made it happen when others could not. Thanks again!!!”

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