Carl Viviano, San Diego State University Finance graduate, is a seasoned loan officer (licensed since 2012) specializing in personalized mortgage solutions. Licensed in AZ, CA, CO, FL, GA, IL, IN, MA, MI, MN, NJ, OH, OR, PA, TX, VA, and WA, Carl expertly guides clients through buying, selling, and refinancing processes. He leverages in-depth market knowledge to provide accurate advice and tailor loan programs to individual financial goals. Carl is with PennyMac, a top 15 mortgage company with an A+ BBB rating, offering streamlined service by originating and servicing its own loans.