For Realtors For Consumers
Photo: Ron Keas

Lenders

+Jasmin Feliciano - E Mortgage Capital
As your local Lake County wholesale mortgage loan officer, I offer my clients access to hundreds of lending options and the ability to find the best deal that suits their individual scenario. From downpayment assistance to investment properties, land loans, ITIN, and Non-QM - not forgetting One-Time New Construction Loans and manufactured homes without permanent foundations or on lease land - there truly is every loan for every scenario.

The beauty of working with a wholesale loan officer is that loan approval is less like to be denied due to the greater flexibility in pricing, diverse selection of products to help make the loan work, and in the end, saves realtors valuable time when it comes to getting the job done.

In my role as a hands-on mortgage loan officer, I work closely with my clients at every stage of the mortgage process. As an individual who holds both a mortgage and real estate license, knowledge is power! With the education I provide, my clients have the confidence to shop for a home, knowing they are well prepared.

In addition to providing my clients with tips and tricks on how to build and repair their credit, I also explain the importance of appraisals and home inspections or help them create a competitive offer.

Lake County, California
Phone: 707-508-7746   
License #: NMLS#2341002 | DRE#02200336
jfeliciano@emortgagecapital.com
www.emortgagecapital.com/officer/jasmin-feliciano

+Leana Teschner Lending Group
I offer purchase and refinance loans across the United States, including manufactured and mobile homes, single and doublewide, Non-QM, DSCR and brokered out programs, land loans, conventional, VA, FHA, USDA, and down payment assistance, please call me for a full suite of programs.

I have 30 years of experience in the mortgage industry, closing transactions in Lake County for 18 years! Please let me help you achieve your DREAM of homeownership! -Leana

370 N Main St, Lakeport, CA 95453
Phone: 707.533.6301   
License #: NMLS 1542749 - Company NMLS 237653
Leana@Franklinlc.com

American AgCredit
Our Mission: Be the Best Lender to Agriculture
Founded in 1916, American AgCredit provides loans and other financial services to agricultural and rural customers throughout California, Colorado, Hawaii, Kansas, New Mexico, Nevada and Oklahoma, as well as to capital markets customers in all 50 states.

We are a proud member of the Farm Credit System, created more than 100 years ago with the sole purpose of serving the financial needs of farmers and ranchers. We are truly “built for agriculture”.

Our unmatched expertise allows us to provide farmers, ranchers and agribusinesses with the resources and financial solutions they need to be successful.

We are a customer-owned cooperative with the sole mission of supporting the financial needs of American agriculture.
We offer loans, lines of credit, leasing and crop insurance products.
The financial and agricultural expertise of our staff enables us to support a wide range of customers in a myriad of ways.
Our commodity diversity and willingness to stand by our customers in good times and bad fosters longstanding and productive relationships.
We are deeply invested in our local agricultural communities through scholarships, youth programs and other community involvement.
The sound financial guidance and product flexibility we offer, combined with our deep agricultural expertise, ensures we are able to help agriculture and rural communities thrive.

455 East Gobbi Street
Phone: 707-462-6531    Fax: 707-463-2466
mpipkin@agloan.com
https://www.agloan.com/

Answer Home Loans
Michele Milota

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer, I have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal, and I am committed to providing my customers with mortgage services that exceed their expectations.

*Top 1% lender in California

*5 Star google reviews

I offer a wide variety of programs to suit your needs:

*USDA
*VA
*FHA
*Conventional
*Jumbo
*Investment
*DSCR
*Down Payment Assistance
*Manufactured and Mobile Homes
*Bank Statement
*FHA Manual Underwrites
*Non-QM

If you are trying to build your financial stability or raise your credit score, I can assist you by coming up with a budge that will allow you to buy your dream home.

We offer concierge service for each and every client as no two loans are alike. We will work with you from beginning to end, and make the process as smooth as possible.


6085 Douglas Blvd Suite 500 Granite Bay, CA 95746
Phone: 916-628-3814    Fax: 916-244-0144
License #: NMLS #1517644
michele.milota@answerhomeloans.com
michelemilota.com

Axia Home Loans
Joanne Sterzenbach
Sr. Mortgage Advisor
License #25709, branch NMLS#2161370
“Licensed by the DFPI under the CRMLA”


I've been lending in Lake County for over 11 years. Seasoned and experienced. When you refer your client to me you can be sure I will do all I can to make sure their file closes.



4135 Main St., Kelseyville, Ca 95451
Phone: 707-217-7875   
License #: #257092 and branch NMLS#2161370
joanne.s@axiahomeloans.com

Fowler Mortgage Group
Mortgage Broker
21037 Calistoga Road Suite 1, Middletown CA 95461
Phone: 707-799-9397   
License #: DRE#01473059 NMLS#569914
tyler@fowlermortgagegroup.com

Golden State Finance Authority
Visit our website and see all the ways we can help you!

Contact our representatives:
Carolyn Sunseri, Marketing Director at csunseri@rcrcnet.org
Danh Nguyen, Program Administrator at dnguyen@rcrcnet.org
Meagan Harris, Training Coordinator at mharris@rcrcnet.org

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

Pacific Bay Lending
Susan King- Broker/Mtg. Ln. Originator

PBL is a full service lender with loan products as for Stick built, MFD, Modular Homes. Conforming & Jumbo

Renovation: Conventional/FHA/VA products. Purchase or refi -Close loan then do repairs. Based on future value of home with repairs.

Reverse Mtg.: Great for 62 and older who want to plan for when they retire and have a line of credit they can draw on in the future. Can use for Refinance/Purchase.

Commercial - Business/Apts./Mixed Use

Non-QM- Stated Income/Bank Statement/No income - O/O and DSCR for investment property where no income is used expect rents collected on SFD to debt service loan

FHA/USDA/VA -Manual U/W- Low credit scores -call for details

VA-Conforming/High Balance/IRRL

Specialty Products - Construction:
VA/FHA/USDA/Conventional- SFD-MFH- Modular Homes-One time close- purchase land, construction, and final take out loan all in one for Primary Residence. Save time and Money with all in one loan.


PO Box 1616, Clearlake Oaks, CA 95423
Phone: 707-998-3612    Fax: n/a
License #: CalBRE 00886345/NMLS #253484
isking3@mchsi.com
Facebook.com/SusanKingMortgage Broker

Redwood Credit Union
16095 Main St
Phone: 707-545-4000   
bperez@redwoodcu.org

Savings Bank of Mendocino County
Convenient locations in Lake and Mendocino Counties. Contact our representatives to help you.

Lisa Doster, NMLS #762929
AVP, Real Estate Loan Officer

Whether you’re planning to purchase your first home, build a new home, are ready to move, refinance or use the equity in your home – we’re here to assist you!

As your local lender since 1903, Savings Bank understands the real estate markets in Lake and Mendocino Counties. We offer competitive rates and provide our customers with hometown service.

We take pride in helping customers achieve their goals and we’re ready to help make your home ownership dreams a reality!

FINANCING OPTIONS:
• Conventional Financing (FNMA)
• HomeReady Mortgage
• Portfolio Residential Loans
• Jumbo Portfolio Loans
• Manufactured Home Construction Loans
• Mobile Homes in a Park
• Residential Lot Loans
• Home Equity Line Of Credit
• Fixed Rate Equity Loans

PO Box 3600, Ukiah, Ca 95482
Phone: 707-462-6613    Fax: 707-468-4394
ldoster@savingsbank.com
www.savingsbank.com

Sterling Mortgage - Jacie Casteel, Branch Manager
Meet the Team:
Jacie Casteel
Branch Manager/Senior Loan Officer
DRE #01215943/01830856
NMLS #1850/301543/232706
jcasteel@SterlingLakeCounty.com

Christine VandenBroek
Loan Officer/Processor
NMLS #1850/304543/1613898
Christine @SterlingLakeCounty.com

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

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Welcome to our Service Providers Directory.  This directory of service providers is provided for your convenience.  Here you can find services providers both in professions that are licensed and non-licensed that complement home and property ownership.  You can find anything from builders, inspectors, insurance, and real estate attorneys to lawn trimmers and trash removal.

 

To find a specific service provider click on the applicable service description provided in the scroll down menu to the right

 

The Lake County Association of Realtors® and its members do not guarantee the performance, standard of care and quality of any vendor, service provider or product provider in this directory.

 

It is up to you to verify if any of the service providers in this directory are licensed, insured or bonded.