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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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What to Know About
Mortgage Rate Locks
Congratulations! Now that you have found a new home loan or refinance that suits your current financial needs, and you are pre-approved, it’s time to lock-in your interest rate. Since mortgage rates can change daily, it’s important to...
5 Key Differences Between A Pre-Approval And Pre-Qualification For A Home Loan
Although pre-qualification and pre-approval are sometimes used interchangeably, it’s important to know the difference and when you’ll need them during your homebuying journey. Check out these 5 key differences between a pre-approval and...
Top 3 Reasons To Get A Buydown!
Are you looking for a new home but are waiting for a lower interest rate? A Buydown allows you to reduce your payment and get additional savings for the first few years of your loan term by having a third party, such as a builder or seller, prepay...
What to Know About
Mortgage Rate Locks
Congratulations! Now that you have found a new home loan or refinance that suits your current financial needs, and you are pre-approved, it’s time to lock-in your interest rate. Since mortgage rates can change daily, it’s important to understand how to best utilize a mortgage rate lock to your advantage. Key Questions About Mortgage Rate...
5 Key Differences Between A Pre-Approval And Pre-Qualification For A Home Loan
Although pre-qualification and pre-approval are sometimes used interchangeably, it’s important to know the difference and when you’ll need them during your homebuying journey. Check out these 5 key differences between a pre-approval and pre-qualification for a home loan. 5 Key Differences: TimingBefore you begin your house hunt, it’s beneficial...
Top 3 Reasons To Get A Buydown!
Are you looking for a new home but are waiting for a lower interest rate? A Buydown allows you to reduce your payment and get additional savings for the first few years of your loan term by having a third party, such as a builder or seller, prepay some of the interest on your loan. Check out these 3 benefits of a Buydown… Reduce Your...
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.