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Financial Consultation

About Our Business

The Mortgage You Deserve

CariModal is a client-centered mortgage brokerage firm, helping people finance their homes in the San Francisco area since 2000. Whether you are purchasing your first home, refinancing an existing loan, or looking for a new investment, our experts are the best at what they do.

There’s a lot of information to digest when purchasing a home or refinancing. We believe in addressing the individual needs of clients and helping them fully understand their options, in order to work together toward achieving their real estate and financial goals. If you’re ready to start your journey to a new home, get in touch with us.

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Our Team

Who We Are

With years of experience as mortgage brokers and financial advisors, our team of professionals are here to assist you with your refinancing, purchasing, and financial needs. All of our brokers are specialized in several types of mortgages, and can help you find the best plan for your unique situation. Meet the members of our staff by getting in touch today.


Morgan James

Mortgage Broker

Morgan James has had several roles within the mortgage industry. Morgan James started out as a loan processor but quickly moved up the ladder, and now is our incredible Mortgage Broker.

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River Watts

Branch Manager

There’s very little River Watts hasn't seen in home and commercial financing requests. River Watts has been working with CariModal since our founding in 2000. Get in touch with River Watts to know what to expect when looking into mortgages.

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Alex Smith

Mortgage Banker

Alex Smith worked for one of the major San Francisco banks for over 15 years before moving on to CariModal. With vast experience, Alex Smith is well informed and ready to help you find the best package with the best rate.

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What Sets Us Apart

What We’ve Got to Offer

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Adjustable Rates

Our Clients Matter

Fixed Rates

How We Perform

Online Loan Tracker

Years of Experience

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