Find a Home Loan Consultant

As a 15-year veteran in real estate, Albert has the expertise and creativity to guide you to the mortgage that best suits your needs.

Born and raised in San Francisco, 艾伯特对复杂的湾区房地产市场的了解已经指导了数百名买家完成复杂的贷款流程.

Whether you are purchasing a new home or refinancing your existing loan, 艾伯特将审查您的个人财务状况，并提供适合您的解决方案-帮助您了解所有的选择, not just the interest rate.

A mortgage is one of the most important financial choices you will ever make. As a Home Loan Consultant at Patelco, 安迪在这里帮助你做出最好的决定-无论你是想为你的第一次抵押贷款再融资，还是用你的房子的股权进行第二次抵押贷款. Andy is ready to create the right mortgage solution for your unique needs, and will be your reliable guide throughout the loan process, working to make each step simple and efficient.

我是一名成熟的抵押专业人士，在金融行业有超过35年的经验. As your Patelco Home Loan Consultant, I am committed to guiding you through the home loan process with transparent communication. 我的职责是确保您充分了解您的融资选择以及当前与您相关的行业趋势. I will manage the loan process, provide the support and information you need, and close your loan smoothly and quickly. I am here to answer your questions and find solutions to help you reach your home financing goals. 我专门为首次购房者和经验丰富的房主提供1 - 4单元住宅物业融资, with a distinct knowledge of analyzing RSU income. 我重视与Patelco成员建立的关系，并将继续致力于建立长期关系, referrals, and repeat business.

With 25 years of home loan experience, Art remains dedicated to helping you achieve your goals – not just finish your loan transaction. Maintaining integrity and building relationships are the core of Art’s work, and he can help customize a home loan financing solution just for you.

Whether it’s buying your first home, refinancing to lower your payment or tapping your equity for renovations, securing a mortgage can be an incredibly stressful and emotional process – but it doesn’t need to be. Bobby takes a holistic approach to mortgages, considering your unique circumstance, lifestyle and financial objectives to match you with the product best suited to you. With more than a decade of financial experience, 博比熟悉抵押贷款流程的每一个阶段——从发起到履行再到承销. With a degree from the Marshall School of Business at the University of Southern California, Bobby regularly calls on his business background to decipher even the most complex personal economics. 这使他能够为会员提供定制的住房贷款解决方案和优质的服务.

Brandon has 11 years of experience in the financial service industry. 他认为抵押贷款是一种独特的方式，通过帮助会员实现他们的住房融资目标来建立关系. 布兰登的动手方法使他能够量身定制一个家庭融资解决方案，以满足您的具体需求. Many loan officers can help you get a loan – Brandon’s mission is to make sure you get the right one.

With nearly 20 years working in the mortgage industry, Catherine is dedicated to helping you achieve your home financing goals, one step at a time. 她喜欢分享她的经验和知识，帮助每个人完成他们一生中最大的金融投资之一. She is fluent in Vietnamese, loves travelling to new places and spending time at the beach.

塞西莉亚的热情和对细节的关注是她作为住房贷款顾问超过15年的公式.

Helping members improve their financial lives through home loans is the motivation that fuels Cecilia.

From your initial conversation with her until the closing, Cecilia will update and support you.

Derek于2013年在卡斯特罗谷分公司开始了他在Patelco的职业生涯，然后过渡到抵押贷款业务. Working with many people during their home buying journey, Derek takes pride in listening to your individual needs and helping you with energy, passion, and engagement. As your advocate in the home buying process, he will make your experience with Patelco memorable.

With over 15 years of experience in the mortgage industry, Erica has the expertise to deliver outstanding service and advice. A mortgage is one of the most important financial choices you will ever make, and Erica wants to provide you with an educational and informative experience. She has a passion for helping others achieve their goals, and there is nothing more rewarding than assisting a member in buying or refinancing a home.

Trust and communication are the qualities most important to Fred as a Home Loan Consultant. When working with Fred, you can count on getting the home loan that best fits your financial position. 弗雷德知道，当一个成员做出符合他们最大利益的财务决定时，帕特尔科做得很好.

Gegham brings nearly two decades of experience in banking and financial services. He started his career at Bank of America as a teller and quickly expanded his skillset into home lending. One of his favorite parts of his job is helping guide and educate his clients, especially new homeowners, with their financial needs and questions. He is patient and takes his time explaining all the various lending options and products available, and his goal is for his clients to feel comfortable working together, so they find it easy to make an informed decision when purchasing or refinancing their home. He enjoys fishing, listening to music and is also fluent in Armenian.

Gloria is a native of the Bay Area, and has been working in the financial industry for over a decade. At Patelco, 她专注于确保会员了解住房贷款流程，并知道在此过程中会发生什么. When you work with Gloria, you can expect solid advice, whether your need is buying a home, refinancing, or taking out equity. Gloria’s goal is to guide members to the loan that keeps them on their path to financial wellness.

Gloria Melendez proudly serves the East Bay, Tri-Valley community and helps members fulfill their personal needs. With more than 15 years of mortgage lending and banking experience, she takes pride in her holistic approach to helping others.  Gloria更喜欢通过了解成员的情况并提供解决方案来建立长期的关系，以创造积极的住房贷款体验. 她精通西班牙语 ，喜欢简化和解释购买或再融资房屋的过程, by answering all questions and ensuring all parties are comfortable every step of the way.

Jim brings more than 15 years of combined experience and knowledge in relationship management, lending, investments, insurance and home lending. When you meet with him to go over your home financing goals, 他会认真倾听，并根据你的个人情况和预算与你一起制定可行的解决方案. He is proud to work for a credit union where he truly has the ability to put your needs first. When he’s not working, he enjoys watching sports, spending quality time with his family and volunteering within his community.

A mortgage is one of the most important financial choices you will ever make. As a Home Loan Consultant at Patelco with 20 years of experience, Jose remains dedicated to helping you achieve your goals – not just finish your loan transaction. Maintaining integrity and building relationships are the core of Jose’s work, and he can help customize a home loan financing solution just for you.

“Working to make your homeownership dream come true.” I work to provide friendly and professional mortgage services with great care. My experience analyzing complex credit, income and financial data help resolve problems that come up throughout the loan process. Continued communication and follow up will help you stay informed and connected. I have detailed knowledge of Conforming, Jumbo and First-Time Homebuyer programs. I am a US Army veteran, married with three children, and an outdoor enthusiast. I enjoy golfing and camping. I believe the best compliment I can receive for my work, is a referral of a family member or friend. My goal is to provide you with quick loan closings and peace of mind.

Kellie is an experienced consultant with over 20 years of expertise. Whether you’re a first-time home buyer, looking to trade up, or deciding to downsize, she can help you before you ever make an offer on a property. 她致力于通过关注会员的独特需求和情况，不断改善住房贷款体验.

Kevin believes excellent service, 信任和正直是建立持久关系的必要条件，这将帮助你实现所有的财务目标. As your Home Loan Consultant, Kevin will customize the home loan solution that best suits your situation and your needs.

Kevin Hayden has more than 25 years of experience in the mortgage industry. 他将带着他强烈的职业道德彻底分析即使是最困难的贷款交易-包括专门帮助RSU成员的收入. He has personally closed over 3,000 loans with value in excess of $2 billion dollars. 凯文选择了帕特尔科信用社，因为该公司和他一样有高标准，并致力于以最优惠的价格提供最好的贷款项目，并致力于赢得忠诚的会员.

As a Home Loan Consultant for Patelco Credit Union, 利马·拉希姆将为您提供所有必要的信息，让您做出自信的决定，无论你是寻求再融资或使用股权在你的房子与第二次抵押贷款. She can help you with a clear picture of what might best by explaining various loan options, answering any questions and guiding you through every step of the mortgage process. Above all, she ensures member satisfaction, provides very thorough, yet timely approaches to meet your goals and build lasting relationships.

琳达在金融行业拥有超过21年的经验，并热衷于帮助他人实现财务健康. As your Home Loan Consultant, she will take time to discuss your goals, and offer guidance and recommendations on the best and most affordable option for your long-term plans.

Whether you are looking for your first home, need to downsize, or want to ways to save on an existing mortgage, Linda has the expertise, knowledge, and patience to guide you there.

曼尼有超过25年的经验，为小型到大型银行在住房贷款的各个方面工作. He’s found a happy medium as a Home Loan Consultant for Patelco, 我们的会员至上的方法让他专注于每个客户和他们的财务状况.

他喜欢解释贷款流程的复杂细节，并乐于帮助房主做出他们一生中最大的财务决定之一. He specializes in jumbo financing and works with many first-time buyers. In his spare time, you can find him gardening, working on cars or watching soccer.

Obeying our mission at Patelco is to strengthen our member’s financial lives. I will be helping you find the right home loan for you. With 20 plus years in the mortgage industry, I have the resources to help you learn each step of the home loan process.

Integrity and dedication are the core of Patricia’s work. As a Home Loan Consultant with 16 years of experience at Patelco, 她对贷款解决方案有深入的了解，并帮助了数百个家庭和个人满足他们的住房贷款需求. Whether you are looking to buy a new home or want to refinance your existing mortgage, Patricia is ready to assist you every step of the way. For first time home buyers, 她随时准备为您提供有关不同抵押贷款选择的教育和指导，以便您可以在人生最大的投资之一上做出正确的决定.

Purchasing or refinancing a home is one of the most important financial choices you will make. As an experienced Home Loan Consultant, Ralph is here to guide you throughout the process by listening to your needs, answering any questions you have and keeping you informed every step of the way. Working in both the retail branch and financial industry for more than 7 years, he knows how to engage in conversations, to find the right home loan solution that aligns with your long-term goals and immediate needs. 他有帮助别人的热情，并期待着帮助你加强你的财务健康.

Sharlena has been in the mortgage industry for more than 15 years. In addition to being a Home Loan Consultant, she is an active real estate agent, giving her both lending and real estate knowledge. Whether you’re a first time home buyer looking to get pre-approved or an existing homeowner, she can help you find the terms that are the best fit for you. 夏琳娜会和你见面，看看你的财务状况，帮助你清楚地了解什么类型的贷款和贷款金额是现实的. She’ll be with you every step of the way so you can make the best decision about your home.

Born and raised right here in the Bay Area, Sofia has the knowledge and expertise to help you find the loan that’s right for you. 自2003年以来，她帮助个人和家庭实现了拥有住房的梦想，并为在贷款过程的各个阶段拥有经验而感到自豪. 她将努力了解您的独特目标，并找到最符合您需求的贷款解决方案.

As your mortgage loan consultant, I will provide you with all the information you need to complete a smooth and seamless refinance, home equity loan/line of credit or ADU transaction.

Since 2014, Winston Wang has been skillfully helping his community with home buying throughout the Bay Area. His deep experience in new construction, condos, and single-family homes empowers him to craft personalized mortgages for his customers and clients.

Prior to Patelco, Winston Wang was in full swing at Wells Fargo and KB Home. In his spare time, Winston enjoys time with his family and photography.