About Me

Meet Me

Your Trusted Real Estate and Mortgage Professional

Having proudly served in the U.S. Navy as a Hospital Corpsman, where Carlos Urbina did two combat deployments to Afghanistan ( 2009 - 2010 , 2011 - 2012 ). On Carlos second deployment to Afghanistan, he was awarded the Navy and Marine Corps achievement for saving one of his fellow Afghan Border Policeman’s life in which his interpreter fainted and Carlos was no longer able to communicate with his counter parts while properly executing a emergency medical evacuation. After his time in the Navy, he moved onto to school where he stumbled across the chance to become a Wildland Firefighter.

Wildland firefighting was an amazing experience that let Carlos view the great state of California from a different prospective, a raw and beautiful prospective , while also letting him use his past trauma medical experience on the front lines of Wildland Fires. His road with wildland fires eventually brought him down the road to mortgages. Carlos’s curiosity into home mortgages lead into a passion for mortgages which lead him into the professional mortgage loan origination industry. Now he gets the pleasure of serving people in the great state of California find their dream home , at the best deal and at the best rate.

My enthusiasm has deepened in assisting individuals discover their dream homes, sell their properties, or invest in real estate to secure their family's legacy. Leveraging my expertise in mortgage lending and the buying and selling of homes, I'm eager to simplify your real estate journey. Recognizing the distinctiveness of every individual and home, we offer tailored services. My team and I are dedicated to empowering families in building lasting wealth through real estate.

Your financial well-being is my top priority. I am here not just as a Mortgage Loan Originator but as a trusted advisor. I take the time to understand your financial goals and empower you with knowledge, making the mortgage process clear and stress-free.

I hold relevant certifications and stay abreast of industry trends to provide you with the latest and most relevant advice. My commitment to professional development ensures that you benefit from the highest standards of expertise.

As a team, our first priority is to make my clients happy. We listen to our client’s wants and needs to achieve the best outcome in every transaction and we strive to ensure that the home buying or selling process is fun, easy, and stress-free. Our clients can count on us any time of day when they have a question or concern. Our joy in this business is to bring people together and educate my buyers or sellers in the process. Knowledge and a well-connected network of professionals is power, and we love seeing our clients feel confident throughout the entire process and beyond. We are happy to share it with you on your next journey whether buying or selling real estate in this beautiful state of California!

My Real Drive & Passion

Getting Out of the Rat Race

Growing up as the child of first-generation American immigrants from Nicaragua, my parents raised me in a modest environment, instilling a strong belief in the power of education as the gateway to success, especially in fields like medicine, engineering or law.

As I've matured, I've avidly observed the impact of various economic factors, such as market fluctuations, wage disparities, interest rates, and inflation, on our hard-earned money. This awareness has led me to purposefully choose a profession and industry dedicated to helping families safeguard their financial stability.

In my view, real estate ownership serves as a shield against the effects of inflation. As inflation rises, so do home values, which can lead to a lower long-term payment while simultaneously building equity through homeownership.

Realize Your Vision, Own The Space. F*CK Inflation

George Owens

Working with was an absolute pleasure. Their expertise and dedication to finding us the perfect home made the entire process seamless. They were attentive to our needs, quick to respond, and went above and beyond to negotiate on our behalf. We couldn't be happier with our new home, and it's all thanks to !

Kim Wexler

is a true professional in the real estate world. They made our first-time home buying experience stress-free and enjoyable. Their knowledge of the market, patience, and willingness to answer all our questions was remarkable. We highly recommend to anyone looking for a top-notch real estate agent.

James Cart

We had the privilege of working with to sell our property, and we couldn't be more satisfied. Their marketing strategy was outstanding, resulting in a quick sale at a great price. was always accessible, communicated clearly, and provided expert guidance throughout the process. If you're buying or selling a home, is the agent you want by your side!

Get In Touch

695 Town Center Dr #1200, Costa Mesa, CA 92626, USA

Email: Carlos@apachemortgage.com


Office: 695 Town Center Dr., Suite 1200

Assistance Hours

Mon – Sat 9:00am – 8:00pm

Sunday – CLOSED

Phone Number:

(469) 734-3467

I agree to terms & conditions provided by the business.

Realize Your Vision, Own The Space.

F*CK Inflation.

Building Wealth Through Real Estate

© 2024 - All Rights Reserved

695 Town Center Dr., Suite 1200


We are committed to providing equal housing opportunities for all individuals, regardless of race, color, religion, sex, national origin, disability, or familial status. Our real estate services and property listings are in accordance with the Fair Housing Act and other applicable laws and regulations. We do not discriminate in any aspect of our services or property listings on the basis of the aforementioned protected categories. We encourage and support fair housing practices and strive to create an inclusive and diverse community for all. DRE License