Bilingual Mortgage Broker · Martinez, CA · East Bay
No interpreters. No confusion. Marisela Argenal handles every step of your home loan — from pre-qualification to closing keys — entirely in Spanish or English, your choice.
Book a Free Consultation / Consulta GratisHabla Español · 25 Years Experience · NMLS #293939 · CalDRE #01501844
Why This Matters
A mortgage is one of the most significant financial decisions of your life. Complex terms, fine print, and fast-paced paperwork can be overwhelming in any language — but navigating them in a second language, or through a translator, creates unnecessary risk and stress.
When you work with Marisela Argenal, you work directly with a licensed broker who explains your loan options, interest rates, monthly payments, and closing costs in plain Spanish. No miscommunications. No surprises at the closing table.
Marisela has served the Spanish-speaking communities of Contra Costa County for over 25 years. She understands the cultural context, the specific challenges immigrant families face, and the loan programs that work best for the Latino community in the Bay Area.
Language should never stand between a family and homeownership. Every consultation, every document review, every question — Marisela handles it all in Spanish.
"Cuando trabajo con una familia hispanohablante, no solo soy su corredora — soy su aliada. Mi trabajo es asegurarme de que entiendan cada palabra de cada documento."
— Marisela Argenal · NMLS #293939
Bilingual Services
Préstamos FHA
3.5% down payment, credit scores from 580. Perfect for first-time buyers. Explained fully in Spanish.
Préstamos con ITIN
No Social Security Number required. Marisela specializes in ITIN loans for undocumented and non-resident buyers.
Crédito Limitado o Dañado
Credit scores as low as 580 may qualify. Credit repair guidance and 90-day improvement plans available in Spanish.
Préstamos VA
0% down payment for eligible veterans and service members. Full Spanish-language service for Latino veterans.
Compradores por Primera Vez
CalHFA, GSFA Platinum, and down payment assistance programs. Step-by-step guidance in Spanish.
Trabajadores Independientes
Bank statement loans and alternative income verification for business owners and independent contractors.
Areas Served / Áreas de Servicio
Marisela serves buyers throughout Contra Costa County and the wider Bay Area, with deep roots in the following communities:
"Llegué con un puntaje de 580 y pensé que ser propietario era imposible. Trabajó con mi ITIN y nueve meses después firmé los papeles."
Jorge García
Comprador ITIN · Antioch, CA
"Como inmigrante, pensé que nunca podría tener casa aquí. Marisela hizo posible lo imposible."
María L.
Compradora ITIN · Pittsburg, CA
About Marisela
Marisela Argenal (CalDRE #01501844 · NMLS #293939) has been a licensed real estate broker and mortgage originator in California for over 25 years. She founded Bay Area Realty & Lending Group with a specific mission: to make homeownership accessible to the immigrant and working-class communities of the East Bay.
She is fluent in both English and Spanish and conducts her practice as a truly bilingual service — not just a "translator added" service. Her understanding of the specific financial challenges faced by Latino families — variable income, ITIN tax filing, limited U.S. credit history, and cultural distrust of financial institutions — is built from decades of hands-on experience.
"Marisela helped me qualify even with 3 years of self-employment. She understood my tax returns better than my own accountant."
— Rosa M. · Self-Employed · Concord, CA
FAQ — English & Spanish
English
Yes. Marisela Argenal is fully bilingual. Every service — from your first call through closing — is available entirely in Spanish. No translators needed.
Español
Sí. Marisela Argenal es completamente bilingüe. Todos los servicios — desde su primera llamada hasta el cierre — están disponibles completamente en español.
English
All loan types: FHA (3.5% down), VA (0% down for veterans), ITIN loans (no SSN required), bad credit programs, CalHFA down payment assistance, self-employed bank statement loans, and conventional loans.
Español
Todos los tipos: FHA (3.5% de pago inicial), VA (0% para veteranos), préstamos ITIN (sin SSN), programas de mal crédito, asistencia CalHFA para pago inicial, préstamos de extractos bancarios, y préstamos convencionales.
English
No. Marisela specializes in ITIN loans for borrowers without a Social Security Number. If you have an ITIN and can document your income and residence, you may qualify for a mortgage.
Español
No. Marisela se especializa en préstamos ITIN para prestatarios sin número de Seguro Social. Si tiene un ITIN y puede documentar sus ingresos y residencia, puede calificar.
English
Over 25 years. Marisela has been a licensed broker in California since 1999 and has closed hundreds of transactions with Latino and immigrant families throughout the East Bay.
Español
Más de 25 años. Marisela ha sido corredora licenciada en California desde 1999 y ha cerrado cientos de transacciones con familias latinas e inmigrantes en todo el East Bay.
English
Yes. Marisela offers a free 30-minute phone or video consultation with no obligation. You'll leave the call knowing exactly where you stand and what programs you qualify for.
Español
Sí. Marisela ofrece una consulta gratuita de 15 minutos por teléfono o video sin ningún compromiso. Al terminar la llamada, sabrá exactamente dónde está parado y qué programas califica.
Book your free consultation with Marisela Argenal — available in English and Spanish. No obligation, no upfront fees.