Community Trust Mortgage

Trusted Mortgage Broker Serving San Luis Obispo, the Central Coast, and Silicon Valley

When you choose Community Trust Mortgage, you work with a mortgage broker who truly understands the Central Coast. Importantly, our brokerage operates from Silicon Valley, while broker Karen Addato lives and works in San Luis Obispo. Because of this dual presence, clients gain local insight paired with expanded lending power.

Moreover, Karen works directly with homebuyers and homeowners across San Luis Obispo County. At the same time, she continues to serve Silicon Valley clients. As a result, every borrower benefits from local market knowledge and statewide California lending resources.

Local Central Coast Knowledge With Silicon Valley Lending Strength

As part of Community Trust Mortgage, Karen brings hands-on experience from living in San Luis Obispo. Because she works locally every day, she understands neighborhood trends, pricing patterns, and transaction timing across the Central Coast.

Meanwhile, her ongoing Silicon Valley business connections provide access to a wide lender network. Therefore, clients enjoy competitive loan options and advanced financing strategies often found in larger metro markets.

Clients benefit from:

• Local availability in San Luis Obispo

• Continued business activity in Silicon Valley

• Statewide California lending expertise

• Streamlined digital mortgage processing

Additionally, we proudly serve borrowers throughout:

• San Luis Obispo

• Paso Robles

• Arroyo Grande

• Atascadero

• Pismo Beach

• Morro Bay

• Grover Beach

• Nipomo

Home Purchase Loans in San Luis Obispo

Buying a home on the Central Coast can feel competitive. However, Community Trust Mortgage helps buyers move forward with confidence. From pre-approval through closing, Karen guides each step with clear direction and proven strategies.

Purchase loan options include:

• Conventional and jumbo home loans

• First-time buyer programs

• Investment property financing

• Second homes and vacation properties

• High-balance conforming loans

Additionally, close coordination with local real estate professionals keeps transactions efficient and on schedule.

Refinance Solutions for Central Coast Homeowners

Homeowners often refinance to lower payments or unlock equity. Therefore, Community Trust Mortgage reviews your current loan and aligns it with market conditions and long-term goals.

Refinance options include:

• Rate and term refinances

• Cash-out refinancing

• Debt consolidation strategies

• Home improvement and ADU financing

Because Karen works in both San Luis Obispo and Silicon Valley, clients gain a broader view of California refinancing opportunities.

Why Clients Choose Community Trust Mortgage

Clients continue to work with Community Trust Mortgage because we combine local service with big-market capability. More importantly, we focus on clarity, speed, and trust.

Clients value:

• Karen Addato’s local presence in San Luis Obispo

• Active operations in Silicon Valley

• Deep California lending experience

• Clear and responsive communication

• Digital tools and remote closings

• Collaboration with Central Coast professionals

Contact Community Trust Mortgage Today

Whether you plan to purchase or refinance, Community Trust Mortgage is ready to help. Therefore, reach out today to discuss your goals and explore loan options designed for the Central Coast and beyond.