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(707) 275-0115
LIC. #01306174

Area Resources

History

Clear Lake is said to have been formed more than 2 million years ago. Mt. Konocti formed gradually through a number of volcanic episodes. Pomo Indians settled the area over 10,000 years before Spanish soldiers arrived in 1821. By the mid 1800s, the area was being settled by pioneers and Europeans. After being part of Mendocino, Colusa, and Napa counties, Lake County was formed on May 20, 1861. The county’s name derives from the many lakes in the area, most prominently Clear Lake.

Distance/ Driving Times

From San Francisco: 110 miles, approximately two hours

From Sacramento: 110 miles, approximately two hours

From Pacific Coast: 70 miles, approximately an hour and a half

AreaMap

Location and Size

Lake County is in Northern California, north of the San Francisco Bay Area. It is slightly inland from the Pacific Ocean. It is bordered by Napa, Sonoma, Mendocino, Glenn, Colusa, and Yolo counties.

Lake County covers an area of 1,327 square miles. The highest peak in Lake County is Snow Mountain at 7,056 feet in the wilderness area of the Mendocino National Forest.

Find a Property

History

Clear Lake is said to have been formed more than 2 million years ago. Mt. Konocti formed gradually through a number of volcanic episodes. Pomo Indians settled the area over 10,000 years before Spanish soldiers arrived in 1821. By the mid 1800s, the area was being settled by pioneers and Europeans. After being part of Mendocino, Colusa, and Napa counties, Lake County was formed on May 20, 1861. The county’s name derives from the many lakes in the area, most prominently Clear Lake.

Location and Size

Lake County is in Northern California, north of the San Francisco Bay Area. It is slightly inland from the Pacific Ocean. It is bordered by Napa, Sonoma, Mendocino, Glenn, Colusa, and Yolo counties.

Lake County covers an area of 1,327 square miles. The highest peak in Lake County is Snow Mountain at 7,056 feet in the wilderness area of the Mendocino National Forest.

Distance/ Driving Times

From San Francisco: 110 miles, approximately two hours

From Sacramento: 110 miles, approximately two hours

From Pacific Coast: 70 miles, approximately an hour and a half

AreaMap

Find a Property

Appraisers

ABC Appraisals

Daniele Adams
1775 Ridge Road, Ukiah
Phone: 707-292-5290    Fax: 707-313-0573
License #: AR030488
abcappraisals@hotmail.com
www.abc-appraisals.com

Avanti Apprasals

Leslie Puppo
P.O. Box 529, Kelseyville
Phone: (707) 279-9393    Fax: (707) 279-2781
License #: AR027616
avanti1@cwnet.com

Boss RE & Appraisal

120 N. Forbes Street
Phone: 263-8633    Fax: 263-7433 
License #: AG015663
boss@boss-online.com

CI Appraisal

708 Gravenstein Hwy. Sebastopol, CA 95472-2808
Phone: (707) 823-2760    Fax: (707) 829-9020 
License #: AR018111
clsmithappraisal@pacbell.net

Esposti Associates

Residential Appraiser Lake, Mendocino, Sonoma, Napa Counties
P.O. Box 1066, Windsor, CA 95492
Phone: (707) 540-3969 
License #: AL029609
lynn@espostiassociates.com
www.espostiassociates.com

Gil Kuhn Appraisals

PO Box 341, Redwood Valley, CA 95479
Phone: (707) 425-5132    Fax: (707) 425-5133
License #: AR007455
gilkuhnappraisals@hotmail.com
gilkuhnappraisals.com

Gregory M. Boyd, Appraiser

1101 Helen Avenue, Ukiah, CA 95482
Phone: (707) 671-2224    
License #: AR029163
gregboydappraisal1@gmail.com

Henschel Appraisals

2600 Knolls Drive, Santa Rosa, CA 95405
Phone: (707) 542-9643    Fax: (707) 542-7153 
License #: AG004101
henschelappr@aol.com

Lake County Appraisal

15485 Rumsey RD, Clearlake, CA 95422
Phone: (707) 994-4700    Fax: (707) 994-4700
License #: AR005324
LASATA@MCHSI.COM
LAKECOUNTYAPPRAISALSVC.COM

Mattina Appraisal

601 N. Forbes Street
Phone: (707) 262-1338    Fax: (707) 279-2281 
License #: AG014436
stacey@konoctirealty.com

Mills and Associates

670 W Napa ST #H, Sonoma, CA 95476
Phone: (707) 939-0857    Fax: (707) 938-2755
License #: AG002078
megan@millsvaluation.com
www.millsvaluation.com

Monarch Appraisals

14290 Old Cazadero Road
Phone: (707) 604-7541    
License #: AR016869
vinthughes@monarchappraisal.com

Natlia Gutzalenko-Isurin, Appraiser

California Residential Appraisal Source
PO Box 72, Angwin, CA 94508
Phone: (323) 270-3339    Fax: (323) 417-5021 
License #: AR027339
nataliaisurin@sbcglobal.net

Pardo Appraisals

PO Box 2234, Windsor, CA 95492
Phone: (707) 695-0985    Fax: (707) 836-0864 
License #: AL025221
rpardo@comcast.net

Primary Appraisal Service

3094 Buckingham WY, Nice, CA 95464
Phone: (707) 367-1690    Fax: (707) 274-4202
License #: AL039918
primaryappraisal@mchsi.com
www.primaryappraisal.net

Quartz Real Estate Appraisal

9185 Gray Rd., Middletown, CA 95461
Phone: (707) 928-1969    Fax: (707) 204-2101 
License #: AR038091
quartzappraisal@gmail.com

Snyder Appraisals

Phone: (707) 485-1086    Fax: (707) 485-0278 
License #: AR 010900
snyderappraisal@yahoo.com

Stallings & Associates

6043 34th Ave., Sacramento, CA 95824
Phone: (916) 505-1070  
License #: AR010348
dstallings11@comcast.net
stallingsandassociates.net

Tanya Persky Appraisals

1147 Page DR, Lakeport, CA 95422
Phone: (530) 513-0540    Fax: (707) 264-6566 
License #: AR037661
thappraisals@yahoo.com

Thomas & Associates

PO BOX 117
Phone: (707) 987-2227    Fax: (707) 987-2329 
License #: AG009880
appraisals@rthomasandassociates.com

Thomas & Associates

PO Box 117, Middletown, CA 95461
Phone: (707) 987-2227    Fax: (707) 987-2329
License #: AG009880
thomasappraisals@mchsi.com
www.rthomasandassociates.com

Thomas M Gootherts

4507 Lake Ridge Rd, Ukiah, CA 95482
Phone: (707) 621-1056    Fax: (707) 485-1921 
License #: AL037749
tgooth@gmail.com

Vandergoot Appraisals

18565 Diamond Ridge Road, Lower Lake, CA 95467
Phone: (707) 994-0101    Fax: (707) 994-0102
License #: AR031982
cindy@vandergootappraisals.com
www.vandergootappraisals.com

Whaley Appraisal

2784 Buckingham DR, Kelseyville, CA 95451
Phone: (707) 349-0949    Fax: (707) 279-1938 
License #: AR006864
apraz@aol.com

Flood Elevation Certificates

Vanderwall Engineering

We are a small engineering firm, and have very competitive rates, especially with small projects such as elevation certificates, septic designs, and grading plans.
5565 Sunrise Drive, Kelseyville, CA 95451
Phone: (707) 279-4887    Fax: (707) 279-4829
bill@vdwengr.com
vdwengr.com

Home Inspectors

Accent Home Inspections

Michael Johnson, Certified Professional Inspector
Phone: (707) 349-1475    
mike@accenthome.net

Housecheck Inspection Services

Byron Duerksen, ACI, CMI
CERTIFIED MASTER INSPECTOR - Home / Commercial / Mold Inspections, HUD/FHA Inspector S0770 Extensive Background in construction & real estate sales. Inspecting in Lake County 15 years.
E&O Insurance, Free Recall Checks & 90 Day Warranty on Working Appliances & Mechanicals

PO Box 1833, Middletown, CA 95461
Phone: (707) 245-7545 cell/text    Fax: 707-987-8552
License #: California Does Not License Home Inspectors
housecheck@mchsi.com
www.HouseCheckServices.com

Tri-County Certified Inspections, Inc.

PO Box 825, Cobb, CA 95426
Phone: (707) 318-6428
lance@tcciinc.com
www.tcciinc.com

Home Warranty

American Home Shield

Contact Karli Styles to learn more about a Home Warranty today!
Phone: (707) 217-7871    
kstyles@ahslink.com (Karli Styles)

Insurance

Aflac Insurance

Richard Hansen
Agent

Kelseyville, CA
Phone: (805) 501-5610    
richard_hansen@us.aflac.com

Farmers Insurance - Ussery Insurance Agency

367 Lakeport Blvd.
Phone: (707) 263-7452    Fax: (800) 475-7716
getinsured@live.com
www.farmersagent.com/jussery

Lincoln Leavitt

650 N. Main St., Lakeport, CA 95453
Phone: (707) 263-7162    Fax: (866) 829-6066
jill-jensen@leavitt.com
lincolnleavitt.com

Twila Bechler Insurance Agency

14848 Olympic Drive, Clearlake, CA 95422
Phone: (707) 995-0766    Fax: (707) 995-1652
tbechler@farmersagent.com
www.farmersagent.com/tbechler

Pest Inspectors

Aardvark Termite Control

4080 Main St/PO Box 1453 Kelseyville, CA 95453
Phone: (707) 279-1710    Fax: (707) 279-1490 
termitesmith@yahoo.com

Eagle Eye Termite Control

David McGrath
Cell (707) 533-5551

PO Box 5622, Clearlake, CA 95422
Phone: (707) 994-6354    
License #: PR5770
eagle.eye3@hotmail.com

Lenders

American Agcredit

Bay Equity Home Loans

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

Community First Credit Union

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

Freedom Mortgage

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

Golden State Finance Authority

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

Guaranteed Rate Mortgage: Jennifer Beeston

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

Lake County Home Loans

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

Lake Loan and Investment

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

Mendo Lake Credit Union

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

Opes Advisors, A Division of Flagstar Bank

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/

Opes Advisers, A Division of Flagstar Bank

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/

Pacific Bay Lending

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

Savings Bank of Mendocino County

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

Savings Bank of Mendocino County

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

Stearns Home Loans

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

Sterling Mortgage

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

Umpqua Bank

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

Wells Fargo Home Mortgage

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

Title Companies

Fidelity National Title - Sharon Salvador

343 Lakeport Blvd, Lakeport, CA 95453
Phone: (707) 263-0129    Fax: (707) 263-0901 
ssalvador@fnf.com

First American Title Company

18990 Coyote Valley Rd., Ste. 13, Hidden Valley Lake, CA 95467
Phone: (707) 928-3528    Fax: (866) 275-6741
jeffwismith@firstam.com
www.firstam.com/title-ca/lake/html/about/1000.html

First American Title Company

805 11th Street #B Lakeport, CA 95453
Phone: (707) 263-5686    Fax: (707) 263-7470 
jeffwismith@firstam.com

First American Title Company

14280 Lakeshore Drive, Clearlake, CA 95422
Phone: (707) 994-6431    Fax: (707) 995-0155 
jeffwismith@firstam.com

Call For Results

Please contact Noble Realty for an Initial Consultation