Katrina Carter Living
What Is a Piggyback Loan and Could It Help You Avoid Mortgage Insurance on a Larger Bay Area Purchase?
by: Katrina CarterPublished on: 04/09/2026Learn how a piggyback loan splits your financing into two loans so Bay Area buyers can put down less than twenty percent while avoiding mortgage insurance.
What Is an Assumable Mortgage and Could You Take Over Someone Else's Low Rate?
by: Katrina CarterPublished on: 04/09/2026Learn how assumable mortgages let qualified buyers take over a seller's low interest rate on FHA, VA, and USDA loans in the Bay Area.
Married Filing Jointly vs. Single: How the Capital Gains Exclusion Actually Works When You Sell a Bay Area Home
by: Katrina CarterPublished on: 18/08/2026Married or single at the time of sale changes your capital gains exclusion by up to $250,000. Katrina Carter breaks down the $250K/$500K exclusion, widowed and divorced timing rules, and where Prop 19 fits for East Bay homeowners.
How to Buy a Home With Less Than Perfect Credit in the Bay Area
by: Katrina CarterPublished on: 18/08/2026Wondering if your credit score is good enough to buy a home in the Bay Area? Katrina Carter breaks down real FHA, conventional, and VA thresholds, how rapid rescore works, and what actually moves your score before you apply.
Meet Katrina
Introducing Think Katrina, the go-to real estate brand in the East Bay area! With over 30 years of sales and marketing experience, Katrina Carter is a licensed real estate and mortgage broker who specializes in the East Bay cities of Oakland, San Leandro, Castro Valley, Hayward, and San Ramon.
She's a true Bay Area native, having been born in San Francisco and raised in south San Francisco, giving her vast knowledge of not only the East Bay but also San Francisco and San Mateo counties.
As a self-proclaimed Bay Area enthusiast, Katrina loves to "Play tourist" in the bay, taking full advantage of all the region has to offer, from outdoor activities to great restaurants.
She's also passionate about health and fitness and believes in the power of natural remedies to support the body's own healing processes. These passions all come together in her real estate brand, where she works with clients to find homes that fit their lifestyles, from location and amenities to space and design.
Katrina prides herself on her strong negotiating skills, in-depth knowledge of the changing market, and experience as a real estate investor. She is a master networker with access to many real estate professionals throughout California and nationwide who can assist with in-depth market knowledge.
With the support of her professional team, Katrina provides her clients with the highest level of service and makes each client her number one priority. If you're buying or selling real estate in the East Bay area, you need an agent who knows the area, understands the fast-paced market, and provides the highest level of service to each transaction.
With her sincerity, integrity, services, and professionalism, her client base is primarily composed of repeat business and referrals. Katrina Carter is the agent for you. Contact Think Katrina today to buy or sell your Bay Area home.
