Headshot of Celina Urias

Celina Urias

Sr. Loan Officer

The Dickson Kemmerly Group

NMLS #1539325

2810 N Swan Road, Suite 160
Tucson, AZ 85712
Contact Methods
tel Phone
(520) 777-0349


About Celina

Celina Urias is a native Tucsonan who is committed to helping homebuyers achieve their dreams of homeownership! Celina established a proven track record in the real estate industry where she served her clients for over a decade before becoming a licensed mortgage loan professional in 2015. From learning about real estate from the ground up, she quickly excelled in sales and became a Sales Manager for a top 10 ranked national homebuilder. As a loan officer she continued to be a lending partner with KBHS/KB Homes where she helped hundreds of homebuyers. Her experience and commitment extend to her ability to provide quick and quality responses at the beginning of the loan decision process, constant communication during the process and an on time closing with exceptional service along the way. Whether you’re looking to buy or refinance your home, Celina is ready to help you find the right loan to meet your specific needs!


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
A family together in their new home

Financial wellness can be yours


Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it?

Our home equity programs can help you achieve that dream. These include:

  • Closed End Second loan
  • Home Equity Line of Credit
  • Cash-Out Refinance

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today.

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First time homebuyers admiring their new home

Ready to buy your first home?

Our wide range of mortgage options can help you achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief.

Financing options

  • Home loans with as little as 3% down
  • Temporary buydowns to lower your mortgage rate at the start of your loan
  • Down payment assistance from national and state programs
  • Personalized home financing solutions

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!

Take the first step toward homeownership.
Let’s discuss your options today.

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Recent Posts and Articles


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.

Quick Contact Form

Send me a message below or give me a call at (520) 777-0349