Northern California

About Me

About Karen

Karen joined the mortgage industry after graduating in finance and marketing from Santa Clara University.  Her financial savvy, creative personality, and 35 years of experience in lending have contributed to her success as a Senior Mortgage Advisor with Finance of America Mortgage. Karen’s passion to serve her clients and secure home ownership has turned thousands of dreams into realities.

Each person’s journey through home ownership is different and unique. I pride myself in helping them though any situation that they may be in. This business can be very stressful, and I try to make it easier on the client. Every step of the way, privacy is very important, along with accuracy and empathy. Trust is key in this business, and my clients trust me and with this trust, we get through life’s moments, no matter how difficult some may be.”

“I have worked with many types of homebuyers:  first time homebuyers, repeat homebuyers, clients with extensive business partnerships; self-employed borrowers; mom and pop businesses; high end corporations and everyone in between. There is usually a loan for everyone. There may be a time that the loan may not be exactly what the borrower prefers, which I call a steppingstone–a loan they qualify for and gets them their financing at the time they desire. When needed, we can transition them into the proper mortgage as their personal or financial situation changes. That could be to improve their current situation by refinancing because they have improved their credit, need to pay off debt, purchase a 2nd home or a critical life event. I meet with each client and see what they want and need. By listening to their personal goals is where I can help guide them through this maze, we call lending.”

Personal Highlights

“I have bought and sold and remodeled many homes; survived the “depression/recession” of 2007-2009; worked with many on loan modifications, divorce situations, short sales, with my clients.  I have owned  my own business; worked for and with others; did motivational speaking way back when; and raised a wonderful son who is about to embark on his journey into life. I look forward to helping each one of you who needs my assistance.” 

You can reach Karen by emailing her at or fill in the contact me form.


Karen was quick and helped us through our purchase of our home and the refinance. She was attentive to the market and helped us get the best rate. Karen cares a lot about her clients and she is resilient to find a solution. Karen was professional and got the job done! She did an amazing job and hope to work with her again in the future!
Amanda C. | San Jose, CA
Karen has her client's interest at the core. She will never steer you wrong. Also, no question is ridiculous and she leans in when needed.
Riley F. | Valencia, CA
Karen is spectacular! She guided us every step of the way, answered all our questions and was efficient and effective with her work and communication. I will continue to work with Karen for all my home purchases.
Alfonso C. | Valencia, CA

Karen Cimera's Reviews

5.0 Star Zillow Rating
5.0 Star Zillow Rating

Why Finance of America Mortgage?

We’re not about pushing loan papers. We’re about moving your dream forward. And we do that through knowledgeable local advisors, a personal approach, and a variety of smart loan options.

Learn More About Why Finance of America Mortgage?


Consumer Loans Funded Since 2015


Local Advisor Branches

Frequently Asked Questions

How many properties should I look at?

The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.

What is the best way to search for homes?

When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.

Should I get pre-approval before making an offer?

Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.

Branch Location Map

My Office

Morgan Hill, CA
17500 Depot Street, Suite 210 & 220
Morgan Hill, CA 95037