Mortgage guidance should feel personal, clear and strategic.
Carlos Cartagena and Karen Greifenstein work as a husband-and-wife mortgage team focused on education, clarity, bilingual service and long-term relationships.

Hi, I’m Carlos.
Puerto Rican roots. Tampa Bay is home. Outside of mortgages, I enjoy weightlifting and time with my wife, Karen. Family and community are a big part of my life.
When we talk, I want to get to know what matters to you, too. We’ll work through your questions, compare your options, and build a plan you understand.

Hi, I’m Karen.
Carlos and I are a husband-and-wife team. We work together at Costa del Sol Mortgage Team, helping you navigate your next move in English or Spanish.
Karen brings a client-centered approach to the mortgage process, helping families feel informed and supported from the first conversation through closing.
