LET’S CONNECT
NINA TERESE KOBAYASHI
Senior Loan Officer
NMLS#: 978121
661.904.5596
[email protected]
Virtual Contact File
Meet Your Home Loan Expert
NINA TERESE KOBAYASHI
With over 20 years’ experience in the Finance Industry, I am a licensed Loan Officer and serve as a SVP at AmeriHome Mortgage. I am a graduate of Pacific Coast Banking School and hold a B.A. in Sociology and English from the University of California, Santa Barbara. In my spare time, I enjoy going to the beach with my family, cooking, and making headway through my ever-growing collection of books.
My approach to assisting borrowers during the home financing process is characterized by a blend of curiosity, problem-solving skills, and innovative thinking. I am committed to guiding you through one of the most significant investments you will make, ensuring constant communication and availability throughout your journey.
If you’re interested in refinancing or purchasing a new home, I can find a home loan that fits your specific needs and that helps you meet your financial goals. At AmeriHome, we have personalized loan solutions designed just for you. Book a meeting with me today to get your complimentary consultation and to explore options available to you.
Let’s get started!
APPLY ONLINE
SEND MESSAGE
FINANCIAL CALCULATORS
PAYMENT AMORTIZATION CALCULATOR
RENT VS OWN CALCULATOR
ANNUAL PERCENTAGE RATE (APR) CALCULATOR
DEBT CONSOLIDATION CALCULATOR
PREPAYMENT SAVINGS CALCULATOR
EARLY PAYOFF CALCULATOR
REFINANCE BREAK-EVEN CALCULATOR
TAX SAVINGS CALCULATOR
REVIEWS FROM CLIENTS
Enjoy Helpful Tips And Trends To Keep You And Your Home
Healthy And Happy In Every Season
How Refinancing Impacts Your Next Payment
Key Takeaways: Know what it means to defer a mortgage payment:Refinancing may give you more time before your first scheduled payment on the new loan is due, but it doesn’t eliminate the payment or interest. Understand how your payment timing...
Paying Off Debt And Expenses With A Cash-Out Refinance
Key Takeaways Pay Off Credit Card DebtReplace high-interest credit card balances with a more manageable solution. Consolidate Medical ExpensesUse funds to pay off medical bills and simplify your finances. Eliminate Student LoansReduce your monthly...
How To Remove Private Mortgage Insurance
Key Takeaways What Is PMI?Understanding Private Mortgage Insurance (PMI). Reduce Principal Balance To 80%To request PMI removal. Reach 78% Of The Original Loan AmountYou can remove PMI when your loan balance reaches 78% of the original loan amount....
How Refinancing Impacts Your Next Payment
Key Takeaways: Know what it means to defer a mortgage payment:Refinancing may give you more time before your first scheduled payment on the new loan is due, but it doesn’t eliminate the payment or interest. Understand how your payment timing changes:Your refinance creates a new loan with a new payment schedule, which may shift when your next...
Paying Off Debt And Expenses With A Cash-Out Refinance
Key Takeaways Pay Off Credit Card DebtReplace high-interest credit card balances with a more manageable solution. Consolidate Medical ExpensesUse funds to pay off medical bills and simplify your finances. Eliminate Student LoansReduce your monthly debt burden by paying off outstanding education debt. Pay Off Auto LoansRemove a monthly car payment...
How To Remove Private Mortgage Insurance
Key Takeaways What Is PMI?Understanding Private Mortgage Insurance (PMI). Reduce Principal Balance To 80%To request PMI removal. Reach 78% Of The Original Loan AmountYou can remove PMI when your loan balance reaches 78% of the original loan amount. Loan Term MilestonePMI can drop off the month after you reach the midpoint of your loan term....
NINA TERESE KOBAYASHI
Senior Loan Officer
NMLS#: 978121
661.904.5596
[email protected]
Virtual Contact File
Send Me A Message Using The Form Below
Phone
*Required form field.
©2026 AmeriHome Mortgage Company, LLC, A Western Alliance Bank Company. Branch Office located at 17885 Von Karman Avenue, Suite 100, Irvine, CA 92614. NMLS #135776; AZ d/b/a AmeriHome Funding, LLC #0917700; California Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act #4131116; Licensed by the N.J. Department of Banking and Insurance; Rhode Island Licensed Lender. For licensing information, go to: www.nmlsconsumeraccess.org. Not all applicants will qualify. Not available in all areas. Other terms, conditions, and restrictions apply. No goods or services are intended to be offered to users in the EU. Equal Housing Lender.