Eddie Moth - Loan Officer & Real Estate Broker

Eddie Moth - Loan Officer & Real Estate Broker Eddie is a Real Estate Broker, REALTOR® (DRE #02065399) and a Loan Officer (NMLS # 2450019). Please visit my website at www.EddieMoth.com.

I am currently a Real Estate Broker and Mortgage Originator, serving clients with all their real estate and home loan needs in the Central Valley, Tri-Valley and Bay Area (California) and their home loans and refinances in the whole state of California, Monsita, Texas & Virginia. Before I became a real estate agent and loan officer, I worked for Social Services Agency of Santa Clara County for 26

years with the last 15 years as an Application Decision Support Manager. I graduated from San Jose State University with a Bachelor of Science Degree in Business Administration with a concentration in Management Information System (MIS) and graduated from Mission City College with an Associate of Science degree in Community Health Work. I studied Real Estate at the Chamberlin Real Estate School in Campbell, California and Mortage with Mortgage Educators and Compliance (MEC). Besides English, I speak and write Cambodian fluently. If I can be any assistance, please call me at (510) 303-2515 or email me at [email protected].

I love seeing my clients smile on closing day. Congratulations on becoming homeowners! 🏡🎉Moments like this remind me why...
06/05/2026

I love seeing my clients smile on closing day. Congratulations on becoming homeowners! 🏡🎉

Moments like this remind me why I love what I do. Buying a home is one of the biggest decisions a family can make, and it takes hard work, sacrifice, patience, and careful planning to get there.

Nothing makes me happier than seeing families take this important step toward building stability, creating memories, and investing in their future. A home is more than just a place to live—it’s where dreams grow, children thrive, and lasting memories are made.

Thank you for trusting me to be part of your homeownership journey. Wishing your family many years of happiness, laughter, and wonderful memories in your new home.

Congratulations again on this exciting milestone! 🏠❤️

— Eddie Moth
Real Estate Broker & Loan Officer
DRE #02065399 • NMLS #2450019
Licensed in CA & TX

🏡 Funded and Closed. This is a Bank Statement Loan for Business Owners - No Tax Returns Required. Congratulations to our...
06/03/2026

🏡 Funded and Closed. This is a Bank Statement Loan for Business Owners - No Tax Returns Required.

Congratulations to our clients on becoming the homeowner and no longer having to pay rent! 🎉

They now own their home and can start building equity and investing in their own future instead of paying into someone else’s property.

A big thank you to my Fresno Realtor partner, Connie Marez, for doing an amazing job on the real estate side and helping make this transaction a success! 👏

If you are a business owner of a donut store, Cafe, Salon, restaurant, or you are a Contractor and don’t want to use your tax returns to qualify for a loan, call me.

📍 Serving clients throughout California and Texas
📞 Contact me for all your real estate and home loan needs. I speak Khmer.

Eddie Moth – Real Estate Broker & Loan Officer
DRE #02065399 • NMLS #2450019
(510) 303-2515
Licensed in CA & TX
Equity Smart Home Loans NMLS #856170

Teamwork that makes homeownership happen! 💪🏠

05/29/2026

Clear to Close (CTC) = Big Milestone! 🎉
“Clear to Close” is one of the most exciting moments in the loan process. It means:
🔑 Buyers are about to get their keys
💰 Sellers are about to get their money
🙌 Everyone is happy!
Huge congratulations to my clients for their trust, patience, and hard work in getting all the documents to underwriting—it’s not always easy, but it’s worth it. In just a few days, my client will get his keys.

This is a Bank Statement Loan for Business Owners who do not want to use their tax returns to prove their income. This loan program allows Business Owners to show their income that is deposited into their business bank account by providing bank statements instead of tax returns. It is easy and fast to get approval.

If you’re looking for a loan officer you can trust to guide you (or your buyers) through the process with as little stress as possible, let’s connect!

📞 Eddie Moth | Real Estate Broker & Loan Officer
DRE #02065399 | NMLS #2450019
Equity Smart Home Loans | NMLS #856170
Licensed in CA & TX
(510) 303-2515

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05/19/2026

🏡💰 Want to Build Passive Income Through Real Estate investment with a DSCR Loan?

With the DSCR (Debt Service Coverage Ratio) Loan Program, you can qualify using the rental income from the property you are buying — not your personal income. So

✅ No Tax Returns
✅ No W2s
✅ No Paystubs
✅ No Personal Income Verification

You can qualify using the rental income from the property you are buying — not your personal income.

This is a powerful option for:
✔️ Self-employed borrowers
✔️ Business owners
✔️ Real estate investors
✔️ Retirees
✔️ Buyers with strong assets but difficult-to-document income

If you’ve been waiting to invest in real estate to build long-term wealth and retirement income, don’t wait too long. Real estate has helped many families create equity, cash flow, and financial security over time.

📍I can help you in these States:

AL, AR, CA, CO, CT, DC, DE, FL, GA, HI, IN, IA, KS, KY, LA, ME, MD, MA, MS, MO, MT, NE, NH, NC, OH, OK, PA, RI, SC, TN & TX.

Whether you’re buying your first investment property or expanding your portfolio, I’d be happy to help guide you through the process.

📞 Contact me today to explore your options.

Eddie Moth
Real Estate Broker & Loan Officer
DRE #02065399 • NMLS #2450019
Licensed in CA & TX
Equity Smart Home Loans – NMLS #856170
📱 (510) 303-2515

05/08/2026

⭐️ ⭐️ ⭐️ Bank Statement Loan Program

No Tax Returns, No W2 & No Paystubs Required: Bank Statement Loan Program allows business owners to qualify to buy real estate without providing tax return documents.

Contact me if you are thinking of buying home or an investment property. We will lead you the way.

Eddie Moth, Real Estate Broker & Loan Officer DRE #02065399 - NLMS # 2450019- (510) 303-2515 Licensed in CA & TX, Equity Smart Home Loans - NLMS # 856170.

🏡 Congratulations to our clients on becoming homeowners and no longer having to pay rent! 🎉They now own their home and c...
05/08/2026

🏡 Congratulations to our clients on becoming homeowners and no longer having to pay rent! 🎉

They now own their home and can start building equity and investing in their own future instead of paying into someone else’s property.

A big thank you to my Fresno Realtor partner, Connie Marez, for doing an amazing job on the real estate side and helping make this transaction a success! 👏

This transaction features an FHA 100% financing loan program with down payment assistance from our lender. On top of that, Connie successfully negotiated a $10,000 seller credit to help cover our clients’ closing costs. Great job, Connie!

If you have strong income but don’t have enough saved for a down payment or closing costs, reach out to us — we can help make homeownership happen.

📍 Serving clients throughout California and Texas
📞 Contact me for all your real estate and home loan needs. I speak Khmer.

Eddie Moth – Real Estate Broker & Loan Officer
DRE #02065399 • NMLS #2450019
(510) 303-2515
Licensed in CA & TX
Equity Smart Home Loans NMLS #856170
Teamwork that makes homeownership happen! 💪🏠

05/06/2026

🏡 If your rent is $2,500/month, in 30 years you'll pay a total of $900,000! What do you get by paying $900,000 rent for 30 years?

We discuss 3 important points in this video everyone should know and think about them.

Here they are:

1️⃣ Cost of Paying and What You Get After 30 Years

If you rent for $2,500/month:

* 1 year = $30,000
* 10 years = $300,000
* 20 years = $600,000
* 30 years = $900,000

And remember… rent can continue to increase over time.

With a 30-year fixed mortgage, your principal and interest payment stays mostly stable.

After 30 years of owning, you may own a home.
After 30 years of renting, you may own nothing.

⸻

2️⃣ Freedom & Control

When you own your home:
✔ Remodel your kitchen
✔ Paint your walls
✔ Upgrade your flooring
✔ Make it truly yours

When you rent, there are usually many limitations because the property belongs to someone else.

⸻

3️⃣ Equity & Appreciation

As you make mortgage payments and home values increase over time, you build equity and wealth.

Many homeowners build significant net worth simply by owning real estate long term.

⸻

Everyone’s situation is different and buying a home is not for everyone, but these are important things to think about if you’re currently renting.

If you want to know whether you may qualify to buy a home, reach out to me. I’d be happy to walk through the numbers with you.

📍 Licensed in CA & TX
📞 DM me anytime
I speak Khmer

Eddie Moth – Real Estate Broker & Loan Officer
DRE #02065399 • NMLS #2450019
Equity Smart Home Loans NMLS #856170

04/30/2026

💰 Lower Payment. Real Savings. Real Impact. 💰
Just helped a client refinance and reduce their monthly payment by $1,854 🤯

That’s not just a small win…
That’s over $22,000 in savings per year back in their pocket.

🔍 When should you consider refinancing?
✅ Your current interest rate is higher than today’s market
✅ You want to lower your monthly payment
✅ You’re looking to pull cash out for business, investment, or debt consolidation
✅ You want to remove mortgage insurance
✅ You need to restructure your loan after major life changes (divorce, co-signer removal, etc.)

📊 The truth is… refinancing is not just about rates.
It’s about strategy — putting yourself in a better financial position.

🤝 That’s where I come in.
I don’t just quote rates…
I help you analyze the full picture and guide you to the right move for your situation.

If you’ve been thinking about refinancing, or just want to see what your options look like…
📞 Let’s run the numbers.
You might be leaving thousands of dollars on the table every year.

Eddie Moth – Real Estate Broker & Loan Officer
DRE #02065399 • NMLS #2450019
Licensed in CA & TX
Equity Smart Home Loans NMLS #856170

🏆 Honored & Grateful! 🏆Being a team of one with one assistant/loan processor for both real estate and home loans, I neve...
04/21/2026

🏆 Honored & Grateful! 🏆

Being a team of one with one assistant/loan processor for both real estate and home loans, I never care to attend my company’s annual award ceremony because I’ve never thought I would ever get an award because there are many big teams with many loan officers and processors in the nation. Surprisingly, I got this Top Producer Silver Award 🥈It is really a big surprise to me and completely unexpected.

I’m truly honored to receive the Silver Producer Award (Units) for 2025 from Equity Smart Home Loans.

This achievement would not be possible without the trust and support of so many people around me.

🙏 To my clients – thank you for trusting me with one of the biggest decisions in your life.
🤝 To my partners and supporters – your collaboration and referrals mean everything.
❤️ To my friends and family – thank you for always encouraging and supporting me along the way.

This award is not just mine — it belongs to all of you who have been part of the journey.

🚀 Now let’s go for GOLD in 2026!
If I’ve ever helped you, supported you, or earned your trust, I would truly appreciate your referrals. Help me make 2026 a Gold Award year!

I’m committed to continuing to serve you with honesty, dedication, and results — whether it’s helping you buy, sell, or finance your home.

📞 If you or someone you know is thinking about real estate or home loans, feel free to reach out — I’m always here to help.

Eddie Moth
Real Estate Broker & Loan Officer
DRE #02065399 • NMLS #2450019
Licensed in CA & TX
Equity Smart Home Loans NMLS #856170

Address

2471 North Naglee Road Suite 100 #1068
Tracy, CA
95304

Telephone

+15103032515

Website

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