Navigate Your Path to Homeownership with Confidence
Whether you're a first-time buyer or looking to refinance, I'll walk alongside you every step of the way—making the process clear, straightforward, and stress-free.
Personalized Loan Solutions
Tailored to your unique financial situation
From conventional loans to FHA, VA, and jumbo options—I help you find the right fit so you can move forward with clarity and peace of mind.
View all servicesTrusted
Client Relationships
Responsive
Quick Turnaround
15+
Years of Experience
500+
Families Served
5★
Client Satisfaction
100%
Commitment
Comprehensive Mortgage & Financial Services
Every financial journey is different. I provide a full range of loan products and guidance to match your goals, budget, and timeline.
First-Time Homebuyer Loans
Buying your first home is exciting—and complicated. I simplify the process, explain every option, and help you qualify for programs designed specifically for you.
Learn moreRefinancing
Lower your rate, shorten your term, or tap into home equity. I'll run the numbers with you and show whether refinancing makes sense for your situation.
Learn moreFHA & Conventional Loans
Whether you need a lower down payment with an FHA loan or a conventional loan with competitive rates, I'll match you with the program that fits your financial picture.
Learn moreVA Loans
You've served your country—now let me help you serve your family's needs. VA loans offer incredible benefits, including no down payment and competitive rates.
Learn moreJumbo Loans
Looking at a higher-priced property? Jumbo loans fill the gap where conventional conforming limits end, with flexible terms tailored to luxury and high-value homes.
Learn moreLoan Consultation
Not sure where to start? Book a free, no-obligation consultation. I'll review your finances, answer your questions, and outline the best path forward—no pressure, just clarity.
Learn more
Trusted Local Expert
San Jose & Surrounding Areas
A Personal Touch in Every Transaction
I'm Edith Plascencia, and I've spent over 15 years helping families and individuals in the San Jose area navigate the world of mortgages and finance. What started as a career in lending quickly became a calling—I genuinely enjoy the moment a client says, "I finally understand what's going on."
I believe that buying a home or refinancing shouldn't feel overwhelming. That's why I take the time to explain each step in plain language, answer every question (even the ones you're too shy to ask), and build a plan that actually works for your life—not just your numbers.
Whether you're scrolling through listings at 11 PM or you've already found "the one," I'm here to make sure your financing is smooth, transparent, and stress-free from pre-approval to closing day.
Transparent
No hidden fees or surprises
Responsive
Quick, clear communication
Personalized
Solutions tailored to you
Local
Deep Bay Area knowledge
Your Journey, Simplified
From that first phone call to handing you the keys, here's what to expect.
Reach Out
Call, email, or fill out the form below. Tell me a little about what you're looking for—I'll get back to you quickly.
Get Pre-Approved
I'll review your finances, explore your options, and get you pre-approved so you know exactly what you can afford.
Find Your Home
With pre-approval in hand, you can shop with confidence. I'm available whenever you need guidance on loan-related questions.
Close & Celebrate
I'll coordinate with your agent, title company, and lender to make closing day smooth. Then—welcome home!
What My Clients Say
The greatest reward is hearing that the journey felt easy—and that you felt supported every step of the way.
"Edith made what I thought would be the most stressful experience of my life feel completely manageable. She explained everything in plain English, answered my endless questions, and kept me informed at every stage. I couldn't have asked for a better experience."
Maria R.
First-Time Homebuyer, San Jose
"I refinanced my home with Edith and saved significantly on my monthly payment. She walked me through every option and helped me understand which choice was truly the best for my situation—not just the one that sounded good."
David T.
Refinancing Client, Campbell
"As a veteran, I was eligible for a VA loan but had no idea where to begin. Edith took the time to explain the benefits, guided me through the paperwork, and made sure I got the best deal possible. I'm incredibly grateful."
James L.
VA Loan Client, Santa Clara
Let's Start the Conversation
Whether you have a specific question or just want to explore your options, I'm here to help. Reach out today—there's no obligation, just a friendly conversation about your goals.
Call or text
(408) 708-2817
Email me
edith@algomtg.com
Visit my office
1124 Meridian Ave
San Jose, CA 95125-4329
Send a Message
I'll get back to you within one business day.
Message Sent!
Thank you for reaching out. I'll get back to you within one business day.
