Encinitas, CA Homebuyers: Meet Carmen Ojeda, your U.S. Bank Mortgage Loan Officer. Carmen specializes in guiding clients through the intricacies of conventional and FHA loans, making homeownership dreams a reality. With availability Monday-Friday, 9 AM to 5 PM, she provides expert assistance throughout the entire mortgage application process. Leverage Carmen's deep understanding of loan programs for a seamless and stress-free borrowing experience. Contact her today to explore your financing options.