Toni Contreras

NMLS #1977894

About Toni Contreras

With over 20 years of combined experience in real estate and mortgage lending, Toni understands that every buyer’s story is different and the right financing solution is rarely one-size-fits-all.

As the founder of Auctus Mortgage Solutions, Toni built Auctus around a simple belief: don’t stop at the first “no.” She takes the time to ask the right questions, explore available options, and create a clear path forward. Whether a client is ready to purchase now or needs a plan to prepare for the future, Toni provides guidance.

Known for her problem-solving approach and strong Realtor partnerships, Toni works with first-time homebuyers, self-employed borrowers, real estate investors, and clients who may not fit neatly into traditional lending guidelines.

For Toni, mortgage lending is about more than closing a loan. It’s about helping people understand their choices, feel confident in their decisions, and secure financing that supports the life they’re building.