About Maria

Finding the right loan shouldn't feel like an uphill battle, especially when your financial situation doesn't fit into a standard corporate box. I'm a Spanish speaking Mortgage Loan Officer serving families, entrepreneurs, and investors across the Central Valley and Bay Area for over 20 years.

While traditional banks often say "NO" to non-traditional income or less-than-perfect credit, I specialize in finding the "YES." I easily navigate through complex tax returns for Self-Employed borrowers, offer Bank Statement loans and utilize a DSCR loan to scale your investment portfolio. I specialize in FHA, Conventional, and CaLHFA loan programs for first time home buyers and ITIN loans specially for business owners.

I offer low-own-payment options for local first-time buyers and advanced equity strategies including Bank Statement HELOCs designed specifically for self employed borrowers. I provide creative problem-solving and diverse options to win in today's market.

I'm here to help you!

Maria Sibrian

 

 

 

Learn More
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Learn how a lease option works, key pros and risks, and when it may help first-time buyers move toward homeownership.

Smart Buyers Are Winning in Today's Market

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First-time buyers can still find many opportunities today by focusing on affordable markets, inventory, and payment fit.

In a Recession Do Mortgage Rates Rise or Fall?

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Sep 09, 2026

Learn how a recession impacts mortgage rates and make informed decisions for your home financing during economic downturns.

Contact Maria
Have questions or need assistance? Our team is here to help. Fill out the form and we'll get back to you as soon as possible.
908 13th Street
Modesto, CA 95354

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Whether you're buying your first home, refinancing, or upgrading, I’m here to make the mortgage process smooth and stress-free. Let’s take the next step together — fast approvals, personalized service, and trusted guidance every step of the way.

Young Couple Applying for a Mortgage