About
Meet Chelsea Mangano
REALTOR® and Mortgage Loan Originator
About
REALTOR® and Mortgage Loan Originator
The Long Version
Chelsea Mangano came to real estate the long way around. Six plus years of behind the scenes experience came first, learning how transactions actually hold together, before she took clients of her own as a REALTOR® with Downtown Realty in Visalia. She is a co-founder of the Clark Mangano Realty Team, and her practice is built around first time buyers, the people with the most questions and the least patience for jargon.
In 2026 she added the other half of the transaction. Licensed by the California Department of Financial Protection and Innovation as a Mortgage Loan Originator, NMLS #2804692, she is authorized to represent NEXA Mortgage, LLC, a mortgage broker with access to many lenders rather than a single bank’s product shelf. That means a buyer can get a straight answer on price and on payment in the same phone call.
Outside the work she is juggling life with three teenagers, five dogs, an army husband and a full cup of coffee. Clients tend to notice that she answers her own phone.
Credentials
Licensed as a California real estate salesperson since July 2019, affiliated with Downtown Realty in Visalia.
California DFPI licensed, authorized to represent NEXA Mortgage, LLC, NMLS #1660690. No regulatory actions on record.
Years of transaction experience behind the scenes before taking her own clients, and co-founder of the Clark Mangano Realty Team.
Two Licenses, One Person
Most buyers run two separate relationships, an agent on one side and a lender on the other, and spend the whole escrow translating between them. Chelsea holds both licenses.
Real Estate
California DRE #02089137, licensed since 2019, working buyers and sellers across Visalia and Tulare County out of the Main Street office.
Home Financing
Licensed by the California Department of Financial Protection and Innovation and authorized to represent NEXA Mortgage, LLC, NMLS #1660690, a broker with access to many lenders rather than one bank’s shelf.
Using Chelsea for both sides is always optional. Where she would act as agent and loan originator in the same transaction, that dual role is disclosed in writing and you remain free to choose any other agent or lender.
How I Help
Three places to start. The house and the loan are handled by one person, in one conversation.
A patient search across Visalia and Tulare County, with a first time buyer walked through every step.
Explore Buying →
Pricing grounded in what is actually closing on your street, then full Downtown Realty marketing.
Explore Selling →
The loan side handled by the same person, licensed as a Mortgage Loan Originator with NEXA Mortgage.
Explore Financing →Recent Activity
Sold and pending, as recorded on Chelsea’s own public agent record.
Thinking About A Move
A private valuation for your street in Visalia or Tulare County, prepared personally.
Request A ValuationBuying This Year
Know your real number and your real payment before you tour a single house.
Get Pre-ApprovedTransaction details as published on her own public agent record, captured 2026-09-07. Listing photography is added at launch from her own MLS media.
Client Reviews
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Your real client reviews go here once you send them to us.
A short quote from a first time buyer reads well in this spot, two or three sentences at most.
Reviews rotate automatically, so the newest one a client leaves is the first one a visitor sees.
By Appointment
Buying, selling, or just finding out what you qualify for. No pressure and no obligation.
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