Elena De Luz
Mortgage Loan Originator · NMLS #1180152
Licensed in: AZ, HI
Guiding you home, every step of the way!
About Elena
Helping You Find Home—With Heart and Expertise
As a loan officer with over ten years of experience, I’ve learned that every mortgage is more than just numbers—it’s a deeply personal journey. I take the time to truly listen & understand each client’s story, so I can offer mortgage solutions that reflect their unique goals, challenges, & dreams. My commitment is to walk alongside you with transparency, honesty, & care—making sure you feel confident & informed every step of the way.
As an immigrant from the Philippines, I know firsthand the power of homeownership & what it means to pursue the American dream. Real estate isn’t just about property—it’s about building a future, creating stability, & opening doors to generational wealth. That’s why I’m passionate about making homeownership more accessible & helping families explore refinancing options that support their evolving needs.
Whether you're a first-time homebuyer, navigating divorce, retiring, or anything in between, I can help.
What clients say
I have known Elena for a few years now and have used her in the past. When we needed to do some expensive home improvements on our house she was my first call. She did not disappoint! She is so knowledgeable and thorough. Elena was in constant contact with us the entire time, walking us through the steps and make sure we understood the different options available. When it came time for the closing she came over to help answer any questions we might have had. Elena is a true professional and cares about her clients. I highly recommend her!
Nicole N. Working with Elena De Luz at Barrett Financial was an absolute game-changer for our home-buying journey. As the mortgage process can be extremely overwhelming, we couldn’t have asked for a better guide. What truly sets Elena apart is her exceptional communication and dedication to keeping everything on schedule. From the very beginning, she was completely clear about what to expect. She never left us guessing, proactively sending regular status updates and promptly responding to emails, calls, and text messages—even checking in outside of standard business hours. Because of her incredible timeliness and organization, we met all our underwriting and closing deadlines with very little stress. If you are looking for a highly responsive loan officer who will advocate for your needs and ensure your loan closes on time, look no further!
Jody G. Elena at Barrett Finance has now helped my family with three separate mortgages, and each time has been a great experience. For this most recent refinance, she was professional from start to finish. She took the time to understand exactly what I was looking for and kept me updated throughout the process with regular communication. There were no surprises, no last minute scrambling, just a smooth and predictable process from application to closing. If you want a loan officer who actually listens and follows through, Elena is who you want when handling your mortgage. Highly recommend.
Chris R.
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