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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.
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REVIEWS FROM CLIENTS
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A Refresher On The Mortgage Process
Key Takeaways What are Mortgage Operations?Operations helps organize the loan file and move it toward underwriting review. What is Underwriting?Underwriting is where the loan file is reviewed against program and documentation requirements. What is...
Home Equity: What It Means And How A Refinance May Help You Build It Faster
Key Takeaways Home equity is the difference between your home value and mortgage balance. Equity can grow through payments, appreciation, or home improvements. Lower interest may help more money go toward principal over time. A refinance can...
4 Tips You Should Know If You’re Ready To Sell Your Home
A successful home sale often starts long before your home hits the market. Understanding what’s happening in your local housing market, assessing your personal goals, and preparing your home can help set you up for a smoother selling...
A Refresher On The Mortgage Process
Key Takeaways What are Mortgage Operations?Operations helps organize the loan file and move it toward underwriting review. What is Underwriting?Underwriting is where the loan file is reviewed against program and documentation requirements. What is Clear-To-Close?Conditions are common and usually mean more information is needed before the loan can...
Home Equity: What It Means And How A Refinance May Help You Build It Faster
Key Takeaways Home equity is the difference between your home value and mortgage balance. Equity can grow through payments, appreciation, or home improvements. Lower interest may help more money go toward principal over time. A refinance can support equity goals when the terms make sense. Compare refinance costs, savings, and break-even timing...
4 Tips You Should Know If You’re Ready To Sell Your Home
A successful home sale often starts long before your home hits the market. Understanding what’s happening in your local housing market, assessing your personal goals, and preparing your home can help set you up for a smoother selling experience. Check out these four indicators to help you get ready to sell your home and seal the deal. Plus,...
NINA TERESE KOBAYASHI
Senior Loan Officer
NMLS#: 978121
661.904.5596
[email protected]
Virtual Contact File
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©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.