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, Albert’s knowledge of the complex Bay Area housing market has guided hundreds of buyers through the complex loan process.

Whether you are purchasing a new home or refinancing your existing loan, Albert will review your individual financial position and offer solutions that work for you – helping you understand all your options, 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, Andy is here to help you make the best decision – whether you are looking to refinance your first mortgage or use the equity in your home with a second mortgage. 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.

I am an established mortgage professional with more than 35 years of experience in the financial industry. As your Patelco Home Loan Consultant, I am committed to guiding you through the home loan process with transparent communication. My role is to ensure you fully understand your financing options and the current industry trends relevant to you. 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. I specialize in financing 1–4-unit residential properties for first time homebuyers and seasoned homeowners, with a distinct knowledge of analyzing RSU income. I value the relationships I have built with Patelco members and continue to dedicate myself to creating long-term relationships, 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, Bobby is familiar with every phase of the mortgage process — from origination to fulfillment to underwriting. 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. This positions him to deliver great results for members with custom-tailored home loan solutions and excellent service.

Brandon has 11 years of experience in the financial service industry. He sees mortgages as a unique way to build relationships through helping members achieve their home financing goals. Brandon’s hands-on approach enables him to tailor a home financing solution to match your specific needs. 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. She enjoys sharing her experience and knowledge to help each individual with one of the biggest financial investments of their life. She is fluent in Vietnamese, loves travelling to new places and spending time at the beach.

Cecilia’s passion and attention to detail have been her formula as a Home Loan Consultant for more than 15 years.

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 started his career at Patelco in 2013 at the Castro Valley branch and then transitioned into mortgage lending. 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. Fred knows Patelco has done a good job when a member makes a financial decision that’s in their best interest.

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, she’s focused on ensuring members understand the home loan process and know what to expect along the way. 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 prefers to build long-lasting relationships by understanding the member’s situation and providing solutions to create a positive home loan experience. She is fluent in Spanish and enjoys simplifying and explaining the process of buying or refinancing a home, 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, he will listen attentively and work with you to create an actionable solution based on your individual situation and budget. 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. She strives to continually improve the home loan experience by focusing on member’s unique needs and situations.

Kevin believes excellent service, trust and integrity are integral to building a lasting relationship that will help you achieve all your financial goals. 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. He’ll bring his strong work ethic to thoroughly analyze even the most difficult loan transactions — including specializing in assisting members with RSU income. He has personally closed over 3,000 loans with value in excess of $2 billion dollars. Kevin chose Patelco Credit Union because the company shared his high standards and commitment to offering the best loan programs at the best prices and a commitment to earning loyal members.

Linda has more than 21 years of experience in the financial industry and is passionate about helping others achieve financial wellness. 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.

Manny has more than 25 years of experience working for small to large sized banks on all aspects of home lending. He’s found a happy medium as a Home Loan Consultant for Patelco, where our member-first approach lets him focus on what’s right for each individual client and their financial well-being.

He enjoys explaining the intricate details of the lending process and finds joy in helping homeowners with one of the biggest financial decisions of their life. 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.

Integrity and dedication are the core of Patricia’s work. As a Home Loan Consultant with 16 years of experience at Patelco, she has the deep knowledge of lending solutions and has helped hundreds of families and individuals with their home loan needs. 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, she’s ready to provide education and guidance about different mortgage options so you can make the right decision on one of life’s biggest investments.

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. He has a passion for helping people and looks forward to helping you strengthen your financial well-being.

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. Sharlena will meet with you to look at your finances and help you get a clear picture of what type of loan and loan amount is realistic. 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. She’s helped individuals and families achieve their homeownership dreams since 2003 and takes pride in having experience in all stages of the loan process. She’ll work diligently to understand your unique goals and will find the lending solution that matches your needs best.

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.