Sinai & Associates Lending
Sinai & Associates Lending
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    • Purchase
    • Refinance
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  • More
    • Home
    • About
    • Learn More
      • Purchase
      • Refinance
      • loan-options
      • loan-process
      • glossary
    • Getting Started
      • Upload Documents
      • Calculators
      • Documents List
      • Forms
      • privacy-policy
      • terms-of-use
    • Apply Now
  • Home
  • About
  • Learn More
    • Purchase
    • Refinance
    • loan-options
    • loan-process
    • glossary
  • Getting Started
    • Upload Documents
    • Calculators
    • Documents List
    • Forms
    • privacy-policy
    • terms-of-use
  • Apply Now

Personal & Professional Mortgage Broker Services

Personal & Professional Mortgage Broker ServicesPersonal & Professional Mortgage Broker ServicesPersonal & Professional Mortgage Broker Services

Get the guidance you need!

Apply Now

Why Choose Sinai & Associates Lending NMLS #: 2122267

About Caroline M. Sinai

Caroline has served homeowners throughout California for over 21 years. She has built her business by repeat customers, the referrals of their family members and real estate agents. Caroline has a solid reputation in the lending and real estate community as someone who is knowledgeable, ethical and able to get loans done for her clients. Caroline is a Mortgage Broker who works with a variety of lenders to ensure she finds you the best interest rate and loan option for you. 

Caroline M. Sinai - NMLS #319490 | CA DRE #01413385

Experience

Experience

Experience

Caroline has worked with hundreds of first-time home buyers and specializes in VA, Conventional and FHA loans. She believes in the importance of educating borrowers about the loan process and will sit down with you and go over what you need to know.   

Commitment

Experience

Experience

 Whether you are purchasing your first home, forever home or an investment property Caroline will be committed to you from beginning to end. Even after your loan closes, she will be available to answer questions that may come up. 

Team Work

Experience

Team Work

In addition, Caroline realizes she is only as good as the team of professionals she works with and only surrounds herself with the most experienced and knowledgeable people in the lending business. They will all strive to exceed your expectations every step of the way.

Getting Started

 The Importance of Getting Pre-Approved 

The first step in purchasing your new home is getting pre-approved for your mortgage loan. You will submit documents list to Caroline, so she can determine the amount you qualify for. An important part of the pre-approval process is going over what your estimated monthly payment will be. It is essential for you and Caroline to discuss your comfort level for your monthly payment. When discussing your monthly payment, she will include your principal, interest, property taxes and homeowner's insurance, referred to as PITI.


Once you submit your documents you will also be asked to sign a borrower's authorization form.This grants Caroline permission to work on your loan pre-approval and run your credit report to determine your FICO scores. Determining your FICO scores is key to matching the best loan product available to you. Many times, your FICO score will also determine the interest rate you qualify for.


Caroline can typically get loan pre-approvals within 48 hours of receiving the requested loan documents. Sometimes self-employed borrowers take a bit longer.

Download Your Free Step-by-Step Guide to Home Ownership

Conventional Loans

Senior Reverse Mortgages

Conventional Loans

San Diego County: $1,006,250

Riverside County: $766,550

Orange County: $1,149,825

Los Angeles County: $1,149,825

Jumbo Loans Also Available...

Call for Down Payment Requirements on Jumbo Loans

FHA and VA Loans

Senior Reverse Mortgages

Conventional Loans

FHA Home Loans

VA Home Loans

First Time Buyers Welcome

Senior Reverse Mortgages

Senior Reverse Mortgages

Senior Reverse Mortgages

Tax-Free Cash


Access Home Equity for Income

Payoff Current Mortgage

No Monthly P&I Payments

You Still Own Your Home...Not the Bank!

Client Testimonials

"I highly recommend using Caroline for real estate lending. I can’t say enough about how great our experience has been. She is fast and efficient and knows how to pair buyers with the best loan options and pricing available. We are very satisfied with her incredibly high level of service and she is very easy to work with. I will use her for all my real estate lending needs in the future." 

Michelle McGregor  


"Caroline was great! Really went above and beyond to help me through purchasing my first home. Responsive, detail-oriented and impossibly nice, she did a great job and I couldn't be happier with the results." 

Patrick Moriarty

Learn More

Getting Started

Getting Started

  •  Home
  • About Caroline
  • Loan Options
  • Loan Process
  • Reasons to Refinance
  • Glossary of Terms

Getting Started

Getting Started

Getting Started

  •  Apply Now
  • Pre-Approval Documents List
  • Download Forms
  • Contact Caroline
  • Privacy Policy
  • Terms of Use

Our Location

Getting Started

Our Location

3769 Skyline Road
Carlsbad, CA 92008

Phone: (760) 473-2497

E-Fax:    (760) 400-4949 

Sinai & Associates Lending - All Rights Reserved.  Copyright © 2021

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