Home.
Faster than you
thought possible.

NorCal's trusted CalHFA brokerage. Over Mariane Leyson's 30+ years of experience. Bay Area's smoothest close.

NorCal homebuyers — Presto Home Loans
Quick Check — 90 seconds

See If I Qualify

8 questions. No SSN. No credit pull. Get a real read on where you stand — and which path makes sense — before you commit to anything.

  • No personal information required
  • Smart routing: Green, Yellow, or 90-Day Path
  • Results in under 2 minutes
Check My Eligibility →
Full Application

Get Pre-Approved

Full 1003 application. Lonnie AUS engine. A real pre-approval letter sellers take seriously — not a soft pre-qual that means nothing.

  • Verified income & credit — real numbers
  • Letter you can take to any seller in NorCal
  • Among NorCal's fastest closes behind it
Start My Pre-Approval →
Among NorCal's Fastest Closes
CalHFA Approved Lender
30+ Years Experience
Dual Licensed Broker
NMLS #1499621
What Presto does

Four ways we move faster for you

Presto Speed Close

AI-powered intake, proactive underwriting prep, and Mariane Leyson's 30+ years of lender relationships combine for one of the fastest closes in NorCal.

How it works →
🏠

CalHFA Authority

Dream For All specialists. Already approved. When vouchers drop, Presto moves immediately — no learning curve, no delays.

Check eligibility →
📈

90-Day Path

From challenged credit to keys in 90 days. A structured program — credit audit, rapid rescore, debt strategy, final application.

Start your path →

Dual Licensed

Mariane holds both a mortgage broker license and a real estate broker license. One trusted professional from search to close.

Meet Mariane →
Time Sensitive

Dream For All vouchers are dropping. Yours starts a 90-day countdown.

The moment CalHFA sends your Dream For All voucher, a 90-day window opens. You need a home under contract and a CalHFA-approved lender locked in before it closes. Presto is approved, positioned, and ready to move the instant yours arrives.

90
90days
From voucher to closeThat's your window. Not a day to waste on a lender who isn't ready.
$150Kmax
Down payment covered — no monthly payments, no interestCalHFA funds it. You repay the assistance plus 15–20% of your home's appreciation (based on income) when you sell, transfer, or refinance.
ready
Presto is CalHFA approvedNo waiting. No learning curve. We move when your voucher does.
Presto's 90-Day Path to Homeownership

Not ready today? You will be in 90 days.

If your credit needs work, don't wait years — and don't let another lender tell you to come back later. The 90-Day Path is Presto's structured program: credit audit, debt reduction, rapid rescore, and final application. Three phases. One result.

01
Month 1 — Credit Audit & Rapid Rescore

Full report review, dispute errors, identify fast-impact moves.

02
Month 2 — Debt Reduction & Loan Pre-Selection

Targeted paydown strategy, CalHFA eligibility check, lender match.

03
Month 3 — Final FICO & Application

Credit pull confirmation, pre-approval issued, home search begins.

Start My 90-Day Path →
90

days. Your new timeline.

  • Credit score below 620? We start here.
  • Collections, late payments, thin file?
  • Told "not ready" by another lender?
  • Need to pair with CalHFA Dream For All?
  • AI-guided plan from day one.
What clients say

Real families. Real closes.

★★★★★

"Thank you Presto home loans for giving us above and beyond service. We would like to thank Julius, Ruth and Marianne for..."

Angie R.
Google Review
★★★★★

"Presto Home Loans efficiency was remarkable. As first-time home buyers, we were nervous about the whole process but..."

May Ann C.
Google Review
★★★★★

"Tita Leni referred me to Tita Mariane, the whole team from Presto Loans were so helpful in all aspects. They are very..."

Katherine V.
Google Review
Where we work

NorCal is our backyard.

From the Bay Area to the Central Valley, Presto closes loans across Northern California.

Daly City

SF Bay Area · San Mateo County

Sacramento

Sacramento County · Elk Grove

San Jose

Silicon Valley · Santa Clara County

Stockton

San Joaquin County · Central Valley

Vallejo

Solano County · North Bay

Fresno

Central Valley · Fresno County

See if you qualify

Answer 8 questions.
Know your real path.

No SSN. No credit pull. Smart routing tells you exactly where you stand.

Let's find your path.

Eight quick questions. No commitment.

What are you looking to do?
Buy my first home
Buy a home (not first time)
Refinance my current mortgage
Explore investment property
Where are you buying?
Bay Area (SF, Oakland, San Jose, Daly City)
Sacramento metro
Central Valley (Stockton, Fresno)
Other NorCal / Not sure yet
What's your price range?
Under $500K
$500K – $800K
$800K – $1.2M
Over $1.2M
How soon do you need to close?
Within 30 days
1–3 months
3–6 months
Just exploring for now
Do you have a CalHFA Dream For All voucher?
Yes — I received a voucher
I applied before March 16 & I'm waiting
No, but I want to learn about it
Not applicable to me
What's your credit score range?
720 or above
680 – 719
640 – 679
Below 640 (or not sure)
What's your gross monthly income (before taxes)?
$8,000 or more
$5,000 – $7,999
$3,000 – $4,999
Under $3,000
What are your total monthly debt payments? (car, student loans, credit cards)
Under $500
$500 – $1,000
$1,000 – $2,000
Over $2,000

Ready to start your homeownership journey?

Tell us where you are. We'll show you the fastest path to your keys.