Area Resources

PO BOX 784
Phone: (707) 462-4526    
mpipkin@agloan.com

Mike Rooney - Area Sales Manager
(707) 888-2000

755 4th St, Santa Rosa, CA 95404
Phone: (800) BAY-3703    Fax: (707) 581-2121
License #: NMLS #264613
mrooney@bayeq.com
bayeq.com

14866 Olympic Dr, Clearlake, CA 95422
Phone: (707) 546-6000    
License #: 1689813
jbradley@comfirstcu.org

3333 Mendocino Ave, Suite 110, Santa Rosa, CA 95403
Phone: (707) 800-8083    Fax: (877) 344-9198
License #: NMLS#453569
jennifer.guerra@freedommortgage.com
www.freedommortgage.com

1215 K Street, Sacramento, CA 95814
Phone: (855) 740-8422    Fax: (916) 444-3219
info@gsfahome.org
www.gsfahome.org

Guaranteed Rate Mortgage is the 10th largest mortgage company in the United States. We also have the highest customer satisfaction rating in the industry. We love to lend at Guaranteed Rate!
I have been lending in Lake County for close to 10 years now and know the County inside and out. We offer conventional loans as low as 3% down and Jumbo loans with as little as 5% down. Also FHA and VA. Whether you are a first time homebuyer or a seasoned investor we will make sure you have an excellent experience.
737 Healdsburg, Healdsburg
Phone: (707) 478-0637    Fax: 872-206-4083
License #: 247743
Beeston@rate.com
www.rate.com/JenniferBeeston

We offer real estate financing for the public and the Realtor agent community. We focus on very competitive rates and personal service. We offer all the government programs including Fannie Mae; FHA and USDA rural zero down loans and government down-payment assistance are available as well as cash out refinancing for any purpose. Call for an appointment. You can pre-qualify right over the phone if you like
13300 E. Highway 20 Clearlake Oaks, CA 95423
Phone: (707) 998-5010    Fax: 1(800) 347-4840
License #: NMLS# 243951 & California BRE# 01271261
larry@lchomeloans.com
www.lakecountyhomeloans.com

PO Box 769, Kelseyville, CA 95451
Phone: (707) 279-4238    Fax: (707) 279-4030 
lakeloan@mchsi.com

Kim Bradley, Lakeport Branch Manager
963 11th Ave., Lakeport, CA 95453
Phone: (707) 263-3650    Fax: (707) 262-0499
kimb@mlcu.org
www.mlcu.org

Joanne Sterzenbach
Sr. Mortgage Advisor

I've been lending in Lake County for over 11 years. Seasoned and experienced. Our service is fast and efficient and able to close on purchase transactions in 21 to 25 days on average. When you refer your client to me you can be sure I will do all I can to make sure their file closes.

We have a wide array of programs to offer our clients:

*Conventional financing with as little as 3% down
*FHA, VA, USDA
*Down Payment Assistance programs for Conventional and FHA Loans
*Jumbo loans with quick turn times and flexible underwriting
*Special programs for Professionals (Doctors, Lawyers etc...
737 South Point Blvd, Suite 1, Petaluma, CA 94954
Phone: (707) 217-7875    Fax: 866-635-8257
License #: 257092
joannes@opesadvisors.com
www.opesadvisors.com/about-us/our-team/joanne-sterzenbach/

Christina Wilson, Senior Mortgage Advisor

I Have been lending in Lake County for over 17 years. I am a seasoned and experienced loan officer with over 25 years experience in the industry. At Opes, we offer very competitive rates and very flexible underwriting, so we can make things happen and get loans closed. Our average turn times for purchases are under 30 days - most closing within 21 to 25 days so you will receive the best and most efficient service.

Our product offerings are expansive with FHA, VA, USDA, down payment assistance, jumbo - all with excellent rates, flexible underwriting and of course quick and efficient service.

I look forward to working with you!

1265 North Dutton Avenue, Santa Rosa, CA 95401
Phone: (707) 484-4414    Fax: (707)  583-7716
License #: 278155
cwilson@opesadvisors.com
www.opesadvisors.com/about-us/our-team/christina-wilson/

Susan King, Branch Manager/Owner
PO Box 1616, Clearlake Oaks, CA 95423
Phone: (707) 998-3612    Fax: 888-761-8932 
License #: CalBRE 00886345
isking3@mchsi.com

Cesar Lopez
PO Box 156, Lakeport, CA 95453
Phone: (707) 263-7102    Fax: (707) 263-9164
celopez@savingsbank.com
www.savingsbank.com

Katie Kight, AVP Marketing
PO Box 156, Lakeport, CA 95453
Phone: (707) 263-7102    Fax: (707) 263-9164
kkight@savingsbank.com
www.savingsbank.com

Leana Teschner, NMLS #1542749
Mortgage Loan Originator
Lakeport, CA
(707) 533-6301

Debbie Howdyshell, NMLS #938256
Senior Mortgage Loan Originator
Clearlake Oaks, CA
(707) 695-6490

Our loan products for purchases and refinances, including manufactured homes:

• FHA
• VA
• USDA
• Conventional
• High Balance
• Jumbo

Fixed Rates and ARMS for:
• 30 year
• 25 year
• 20 year
• 15 year
• 10 year

At Stearns Home Loans, we know and understand that there are many nationwide lenders to select from. We strive to be your first choice – and, for all the right reasons! Service is of great importance. Being the very best requires having the loan products to meet your needs. Then, it’s all about execution; and managing the entire loan process from start to finish. It’s what we do! Our only business is home loans – Stearns is a direct lender with national presence. We’re big enough to offer competitive pricing and a variety of loan products, but small enough to spend time with you and understand your individual needs.

Thank you for choosing Stearns!
1265 N. Dutton Ave, Santa Rosa CA 95401
Phone: (707) 533-6301    Fax: 866-794-1822
License #: Branch NMLS #244074, Company NMLS #1854
LeanaT@STEARNS.com
www.stearns.com/lteschner

The Sterling Mortgage team has been helping home buyers throughout Northern California since 2001. Through our corporate office, American Pacific Mortgage, we are a member of a family of 170 branches located throughout 19 states. Our focus always has been and always will be, our Lake County community.

Being a part of this family allows us to provide the tools and expertise to assist our partners and their clients to close their transactions in an efficient and timely manner. With our Sterling Mortgage Mobile App, Realtors can follow the loan process directly through their Smartphone. Whether it’s getting that preapproval for their client, submitting necessary documentation or following the entire loan process through underwriting, the Sterling Mortgage App keeps our Realtor partners connected. Sometimes the old fashioned face to face meeting is what’s needed to get the job done and make everyone comfortable…our office doors in Lakeport` are always open for that , as well.

Sterling Mortgage has a proven track record of what we do best: getting results. We are approved directly with FHA, VA, Fannie Mae, Freddie Mac and USDA to allow the flexibility to provide our clients the most competitive mortgage that match their financial circumstances. Whether it’s a conventional or Jumbo loan, the Sterling Mortgage team will guide you through the process.

1002 11th Street, Lakeport, CA 95453
Phone: (707) 263-5142    Fax: (707) 263-5162
jcasteel@sterlinglakecounty.com
sterlinglakecounty.com

Steve Curtis
805 11th St, Lakeport, CA 95453
Phone: (707) 889-4750   
stevecurtis@umpquabank.com
umpquabank.com/scurtis

Arlene Maloney
One Home Campus MAC X2401-OAV
Phone: (515) 213-6500    Fax: (515) 213-6102
mlsmemberships@wellsfargo.com
www.wellsfargo.com