About Us

Arlene joined the mortgage industry in 2008 during the Great Recession. It was a fearful time for people who were losing their jobs and subsequently their homes. She spent the next 15 years gaining invaluable experience before focusing on her own dream....build a local female owned mortgage brokerage with an honest and dependable team to serve homeowners and families in our communities. With a passion for efficiency and an unwavering dedication, Arlene is the beating heart of operations. But what truly sets her apart is her genuine care for people and her knowledge of the loan process. With Arlene at the helm, operations flourish, and the heart of the company beats strong.

NMLS #2414405

NC I-217356

SC

Anyone who's ever met Mike Serrano is left with the feeling of: "I hope we run into that guy again". He has the mind of a genius while maintaining a down-to-earth and humorous nature. His ability to balance his intelligence along with his quick wit and comedic timing, makes him an entertaining presence in any setting. Pairing that with his background in Project Management and Finance makes him a Triple Threat!  You'll find Mike overseeing the company books, managing marketing tasks for 38 Mortgage and putting the "human" in Human Resources!

NMLS #2282468

NC I-208289

With over 12 years of experience in Project Management, Procurement, and Finance at Fortune 500 companies, Keshav excels in negotiation—the essential skill for an MLO handling life's biggest investments for many people. Raised in a middle-class family, he values every hard-earned dollar and strives to secure the best rates and loans for his clients. His mission is to empower clients through informed financial decisions, prioritizing trust, integrity, and exceptional service for enduring relationships. Dedicated to providing personalized service and tailored solutions, with Keshav, your mortgage loan process is in very capable hands. Give him a try and you won't regret it.

NMLS #2560597

NC I-221282

With over 10 years of experience in human services, Kate is excited to bring her passion for meeting the needs of her clients to the mortgage industry. She understands how overwhelming closing on a home or property can be and can walk you through every step of the way. She is passionate about educating and demystifying processes that are new to her clients and wants everyone to feel confident navigating the most important decisions in their life. Kate would love to help you explore your lending options that will support you in meeting your goals. 

NMLS #2590434

NC I-223319

Jose has been in the real estate industry for over 27 years and in that time has successfully served many families to achieve their dream of home ownership. He has helped sellers and buyers with multiple types of properties and scenarios including single family detached homes, condos, new homes, land, residential rentals, multiple unit investment properties, property development and even dabbled in a few commercial leases. Jose has been a real estate broker licensed in California and North Carolina and recently decided to apply all his knowledge to the finance side of real estate by also acquiring a mortgage loan origination license in California and North Carolina. His passion for serving others and watching them thrive is one of his greatest satisfactions and he enjoys advocating for his clients while helping them navigate complex decisions. On a personal level, Jose is originally from San Diego, California, and loves surfing, camping, F1 racing, GP racing and chasing after his 3-year-old toddler Lucca. Jose is married to his wonderful wife Beatriz and they are currently expecting their 2nd child Olivia. 

NMLS #1922249

NC I-215194