Eddie Moth - Loan Officer & Real Estate Broker

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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].

09/26/2026

Home Inspection in Livermore

09/23/2026

When you wake up and see this going up, mortgage interest rates are likely to go the same direction. As you can see, for yesterday and today, 10 year Treasury going quite significantly.

09/22/2026

🎉 Congratulations to my buyers! 🏡🔑

We’re officially IN CONTRACT on a beautiful home in Livermore! This is one of the kind and very beautiful homes. I am happy for my buyer who have decided not to break away from paying rents and own his property instead. Once again, congratulations!

For this purchase, we’re using a Bank Statement Loan, a great financing option for self-employed borrowers who may qualify using bank statement deposits rather than traditional income documentation.

Getting into contract is an exciting first step. Now, we’ll be working hard behind the scenes to get the loan approved, close successfully, and put the keys in our clients’ hands so they can move into their beautiful new home! 🔑🏡

Congratulations again to my buyers! 🎊

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

07/18/2026

I'm excited to celebrate another successful closing on both loan and real estate!

Congratulations to my clients on the purchase of their beautiful new home in Tracy. This one is especially meaningful because they're not just my clients anymore—they have become my neighbors! 😊 There is a special feeling when clients decided to buy in the neighborhood I love to live.

One of the highlights of this transaction is that we used a Bank Statement loan program. This type of financing may be an option for some self-employed borrowers who qualify. Instead of relying primarily on tax returns, eligible borrowers may be able to use 12 or 24 months of personal or business bank statements to help document income, depending on the loan guidelines.

Every buyer's financial situation is unique, and choosing the right loan program can make a big difference. It was an honor to help my clients find the financing that best fit their circumstances and guide them all the way to the closing table.

Welcome to the neighborhood! I look forward to seeing you around Tracy.

If you're self-employed or have a non-traditional income and have been wondering whether homeownership is possible, let's talk. There may be financing options available that fit your situation. Loan approval is subject to lender guidelines, credit, income, assets, and property qualification.

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

06/19/2026

From finding the right home to securing the right loan, I can help every step of the way. Contact me today to discuss your real estate and mortgage options. Eddie Moth
Real Estate Broker & Loan Officer
DRE #02065399 • NMLS #2450019
Licensed in CA & TX
(510) 303-2515
EddieMoth.com

06/19/2026

🍩 Own a Donut Shop? តើលោកអ្នកជាម្ចាស់ហាងនំដូណាត់?

A Bank Statement Loan may help you qualify for a home loan using your bank deposits instead of tax returns.

កម្មវិធី Bank Statement Loan អាចជួយលោកអ្នកមានខ្ចីប្រាក់ទិញផ្ទះ ដោយប្រើរបាយការណ៍ប្រាក់ចូលក្នុងធនាគារ ជំនួសការប្រើ Tax Return។

សូមទាក់ទងខ្ញុំដើម្បីស្វែងយល់បន្ថែម!

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

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

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

Address

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

Telephone

+15103032515

Website

http://www.eddiemoth.com/

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