Meet Carlos Machado


President & Mortgage Broker | 

Covenant Loan Funding Corporation


As the President and Broker at Covenant Loan Funding Corporation since opening in 2009, I’ve dedicated my career to helping California homeowners secure the financing they need to achieve their real estate goals. Whether you're buying your first home, refinancing, or investing in property, my mission is simple: to provide expert guidance, personalized solutions, and unmatched service every step of the way.


Experience You Can Trust. My Expertise Includes:

  • Mortgage Financing & Planning Strategies that will Save Substantially
  • Home Purchase & Refinance Loans
  • HELOCs, Conventional, FHA, VA, and Jumbo Loans
  • Programs for Self-Employed, Fix & Flip, and Investment Property Financing
  • Complex Loan Scenarios
  • Detailed Client Summary Loan Analysis (will help you not fall into “low interest rate” traps)

With access to over 100 wholesale lenders, we offer some of the most competitive rates and terms in the market. Our detailed client loan analysis ensures you understand all of your options and make the most financially sound decision for your future.

A Bit About Me

Carlos has been licensed with the California Department of Real Estate since 1989. He has vast experience in loan origination, management, and sales.

I’ve proudly served clients across California with a wide range of loan solutions. I’m a proud husband to my amazing wife, and a father to two wonderful kids (and two energetic dogs!). When I’m not helping clients, you’ll find me enjoying time with my family, attending church, or playing tennis.

Why Work With Us?

  • Personalized service with direct access to me via phone, email, or text
  • A commitment to going above and beyond to help you qualify
  • Transparent advice that helps you save money long-term
  • A trusted partner who treats your goals like my own

Let’s connect and explore your loan options — no pressure, just possibilities.

Unlock Your Homeownership Dreams with Expert Guidance — Contact Carlos Machado for a Free, No-Obligation Consultation Today!