About Concierge Lending
Built on the belief that buying a home should be an empowering experience — not an overwhelming one.
Who We Are
Concierge Lending was built on one principle: deliver a white-glove experience to families making the biggest financial decision of their lives.
Based in Mission Viejo, California, and licensed in nearly 30 states with branches in Nevada, Arizona, and Hawaii, we have helped hundreds of families since 2019. We specialize in the complex files other lenders often pass on — self-employed and non-W2 income, jumbo loans, and tight timelines — always with transparency, clear communication, and genuine care.
Whatever your situation — first-time buyer, investor, or anything in between — you work with a real person dedicated to you. Someone you can reach, who explains your options and paperwork, and who stays with you all the way to funding.
That personal guidance is the Concierge Difference. It's how we keep you informed, confident, and supported every step of the way.
What We Stand For
Our values aren't just words on a wall — they guide every conversation, recommendation, and decision we make.
Integrity
We believe every client deserves complete honesty. No hidden fees, no fine-print surprises — just clear, straightforward guidance you can trust.
Expertise
With over 15 years of mortgage industry experience, our licensed professionals bring deep knowledge of loan programs, underwriting, and market trends.
Personalized Service
Your mortgage is not a transaction to us — it's a milestone. We dedicate focused attention to each client, from the first call through closing day.
Meet Our Team
Experienced, licensed, and passionate about helping clients achieve homeownership.
Carmela C. Terrazzino
Founder, President and Broker-of-Record
Carmela has been in the mortgage industry since 2003. She has worked at some of the nation's largest mortgage companies and brings decades of expertise to every transaction.
Khashayar 'Kash' Behnam
General Manager, Las Vegas Branch Manager
Kash first started in the mortgage industry in 1999. He attended USC and earned a degree in Philosophy.
Albert Barajas
Operations Manager
Let's Find the Right Loan for You
Reach out today and experience the Concierge difference — personalized mortgage guidance you can count on.
Get in Touch