Headshot of Karlo Agustin

Karlo Agustin

Loan Officer

San Ramon, CA Mortgage Lender

NMLS #332741

2000 Crow Canyon Place, Suite 140
San Ramon, CA 94583
Contact Methods
tel Phone
mobile Mobile
(415) 699-2686
fax Fax


About Karlo

In over 14 years of home financing, I’ve established a reputation for dependability and being a trusted resource to my clients and team. Over the years, I’ve maintained real estate acumen to deliver top-quality service in an ever-changing lending landscape. From first-time homebuyers to experienced investors, I’ve seen it all and got it done.

My experience working with a diverse clientele helps me create a tremendous experience for everyone. I understand the nuances involved in home financing – from the goals you may have to financial circumstances that may change what’s best for you. We’ll discuss your situation, the loans and financing programs available, and make a plan just for you.

From application to closing, I’ll work tirelessly to ensure your transaction is efficient and finishes on time. I look forward to making your home loan experience pleasant and memorable by delivering the highest levels of communication and service.

I’m an avid San Francisco 49ers and Giants fan and lifelong resident of the San Francisco Bay area. When I’m not at the game, you’ll find me spending quality time with my wife Tammy and our two daughters, Leah and Noelle.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
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Start Here

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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