About Kamna Mittal
Hi, I'm Kamna, a mortgage loan officer based in the Bay Area, helping clients navigate the home financing process with clarity and confidence. I specialize in working with first-time buyers and homeowners looking to upgrade while keeping their current property across Fremont, Santa Clara, San Jose, San Mateo County, San Francisco, and Alameda County, offering tailored loan solutions and a smooth, transparent experience from start to finish. I am also licensed in Texas as of this year, which allows me to assist clients there as well. Whether you're: - Buying your first home - Exploring refinancing options - Looking into programs like Conventional and Non-QM loans I'll walk you through your options and help you choose the right strategy, not just the easiest one. What sets me apart: - In-person, relationship-first approach to build trust and confidence - Expertise in AMI programs, rate buydowns, and complex DTI scenarios - Fast closings with a dedicated team supporting every step - A hands-on, supportive experience so you never feel lost in the process Do you need 20% down to buy a home? No—many buyers qualify with as little as 3–5% down depending on the loan program. What credit score do you need? It varies, but there are options available even if your credit isn't perfect. How much home can you afford? That depends on your income, debt, and goals. I'll help you break it down clearly. I've helped over 700 clients across the Bay Area secure financing and am a proud Chairman's Club member, known for delivering results with a personal touch. Check out my client reviews below to see what it's like to work together. When I'm not helping clients, you'll find me actively involved in the local community—something I value deeply after calling the Bay Area home for over 26 years. I believe this business is about relationships and being someone people can rely on long after closing. If you're thinking about buying, refinancing, or upgrading your home, let's connect.
