California Loan Officer · NMLS #1895801

Your Home
Journey Starts
with Trust.

I help Californians navigate the path to homeownership — from first-time buyers to those ready to unlock the equity they've built. Bilingual service in English and Spanish.

4+ Years Experience
EN/ES Bilingual Service
CA Licensed in California
Gabby Pena, Loan Officer
Purchase Loans Refinances Reverse Mortgages HELOCs First-Time Homebuyers FHA & VA Loans Jumbo Loans
Why Work With Me

A Loan Officer Who Actually Has Your Back

Since 2020, I've guided clients through every type of mortgage — from helping first-time buyers take that exciting leap into homeownership to helping families refinance into better rates and seniors secure their financial futures with reverse mortgages. I started in the industry working hands-on with a broker, so I've seen it all and I know how to make the process smooth for you.

Whether you're just starting out or have questions about your options, I'm here to listen first and advise second — in English or Spanish.

🏠 First-Time Buyer Specialist

Buying your first home is one of the biggest decisions of your life. I'll walk you through every step so you always know where you stand.

💬 Bilingual — English & Spanish

I serve California's diverse communities in the language you're most comfortable in. No barriers, no confusion.

🔍 Access to Multiple Lenders

Through Loan Factory, I have access to a wide range of loan products to find the right fit for your financial picture.

👵 Reverse Mortgage Expertise

Helping seniors access their home equity to enjoy a comfortable, worry-free retirement is something I'm truly passionate about.

Loan Products

Find the Right Loan for Your Situation

🏡

Home Purchase

Conventional, FHA, VA, and jumbo options to get you into your new home.

🔄

Refinance

Lower your rate, reduce your term, or tap your equity with a smart refi.

🌅

Reverse Mortgage

For homeowners 62+. Access your equity without monthly mortgage payments.

💳

HELOC

A flexible line of credit secured by your home for renovations, bills, or goals.

Ready to Take the Next Step?

Let's find the right loan for your situation — no pressure, just honest advice.

Gabby Pena
4+ Years in Loans
About Me

Hi, I'm Gabby —
Your Loan Officer

I've been in the mortgage industry since 2020, starting out at a broker where I got hands-on experience with every type of loan — purchases, refinances, reverse mortgages, and HELOCs. That foundation gave me a deep understanding of what clients really need, and how to find the loan that fits their life, not just their credit score.

I also spent time at Better, the leading fintech mortgage company, where I sharpened my skills in a fast-paced, technology-driven environment. Today, as a licensed Loan Officer with Loan Factory, I bring that experience together to offer you smarter, smoother home financing.

What I'm Passionate About

There are three moments in this work that never get old for me:

First-time homebuyers getting their keys for the first time. Families refinancing into a lower payment and finally breathing easier. And seniors using a reverse mortgage to retire comfortably — on their terms, in their home.

🏠 First-Time Buyers 💰 Refinance Goals 🌅 Reverse Mortgages 🤝 Bilingual EN/ES 📍 California
Licensed Through
Loan Factory
01

Transparency First

No hidden fees, no confusing jargon. I explain every step of the loan process in plain language so you can make confident decisions.

02

You're My Priority

Every client's situation is unique. I take the time to understand your goals before recommending a single loan product.

03

Here When You Need Me

Buying or refinancing a home doesn't follow a 9-to-5. I'm accessible, responsive, and ready to answer your questions.

Let's Start a Conversation

Reach out today for a no-obligation consultation. I'd love to learn about your goals.

Loan Products & Services

The Right Loan is
Out There — Let's Find It

I offer a wide range of loan products through Loan Factory to fit your unique financial picture, whether you're buying, refinancing, or unlocking equity.

🏡
Home Purchase

Buy Your Dream Home

Whether it's your first home or your fifth, I'll help you navigate the purchase process and find the loan type and terms that work for your situation and budget.

  • Conventional loans for buyers with strong credit
  • FHA loans with lower down payment requirements
  • VA loans for eligible veterans and service members
  • Jumbo loans for higher-priced California properties
  • First-time homebuyer programs and down payment assistance
🔄
Refinance

Refinance and Reach Your Goals

A refinance can lower your monthly payment, reduce your loan term, or help you consolidate debt — all while working toward your long-term financial goals.

  • Rate-and-term refinance to reduce your interest rate
  • Cash-out refinance to access your home's equity
  • Streamline refinance for FHA and VA borrowers
  • Debt consolidation refinance
🌅
Reverse Mortgage

Enjoy Your Retirement — On Your Terms

For homeowners 62 and older, a reverse mortgage allows you to convert a portion of your home's equity into funds you can use — without making monthly mortgage payments. Stay in your home, on your schedule.

  • HECM (Home Equity Conversion Mortgage) — FHA-insured
  • Lump sum, monthly payments, or line of credit options
  • No monthly mortgage payments required
  • Retain ownership of your home
  • Bilingual counseling available
💳
HELOC

Flexible Access to Your Home's Equity

A Home Equity Line of Credit (HELOC) gives you revolving access to funds secured by your home. Great for home improvements, major purchases, education, or building a financial safety net.

  • Flexible draw and repayment periods
  • Only pay interest on what you use
  • Lower rates than most personal loans or credit cards
  • Ideal for ongoing or phased projects

Not Sure Which Loan is Right for You?

That's exactly what I'm here for. Let's talk through your situation together.

Get In Touch

Let's Find Your
Perfect Loan

I'm here to answer your questions, run your numbers, and help you understand all your options — with zero pressure. Reach out anytime.

📧
Email
gabriela.pena@loanfactory.com
📞
Phone
(925) 247-8058
📍
Service Area
State of California
💬
Languages
English & Spanish
Gabriela Pena | NMLS #1895801 | Company NMLS #320841
Licensed Loan Officer | Loan Factory, Inc.
Equal Housing Lender. All loans subject to underwriting approval. Terms and conditions apply. This is not a commitment to lend.

Send Me a Message

I'll get back to you within one business day.

By submitting this form you agree to be contacted by Gabriela Pena regarding your mortgage inquiry. Your information will not be sold or shared. This is not an application for credit.

✅ Message sent! I'll be in touch soon.