Home Loan Consultants

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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.

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Andrea comes from a diverse mortgage background, with more than 20 years of experience. Over the years she has learned the industry from top to bottom – allowing her to deliver quick answers, education and guidance. Throughout her career, she has helped a wide range of members including first time home buyers, investors, and second home owners. Andrea’s first priority is ensuring good rapport, and she will be with you every step of your home buying or refinancing journey.

 

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Andrei is a seasoned Home Loan Consultant who enhances the borrowing experience by focusing on a members' needs throughout the process. With more than 15 years of experience, he has become a trusted advisor through understanding each member's unique financial position. He understands that a mortgage is key to helping a member achieve many financial goals.

Raised in the Bay Area, Andrei understands the unique opportunities and challenges that come with home ownership in this market. He is committed to serving his local community and his members. In his free time, Andrei enjoys spending time with his family and volunteering.

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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.

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Arlene has been paving the road to homeownership for nearly 17 years, and has spent over 30 years in the financial services industry.

Her passion is simple: educate and provide guidance to home buyers by simplifying the home loan process with consistent communication.

Having years of experience in different stages of the loan process gives her a unique ability to anticipate your needs along the way. Arlene is responsive and wants to help you meet your home ownership and financial goals.

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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.

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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 take 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.

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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 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.

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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.

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Chris understands that everyone’s finances are unique. He will take the time to learn your goals, understand your needs, and inform you of today’s loan options and programs. This relationship-based approach has been the foundation of his 20+ years as a mortgage consultant. Chris wants to be your trusted advisor — so whether you want to buy a home or refinance, he looks forward to helping you.

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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.

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Desiree has more than 20 years of experience in the financial industry. She enjoys helping people through the lending process and easing the stress that can come along with buying or refinancing a home. Whether you are a first time buyer, expanding your family and space, downsizing, or looking into a government program she is here to help find the best fit for you.

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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.

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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.

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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.

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Integrity and communication are the groundwork of Hemali’s service. She wants to not only provide guidance to the right mortgage but also to support your financial well-being. Home financing is a major milestone, and Hemali wants to make sure you’re well-informed and make decisions that enhance your financial stability.

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With almost 20 years of mortgage experience, Jennifer is constantly adapting to serve the individual needs of members, especially first time homebuyers.  She finds it rewarding to be part of such a very important decision in members’ lives, and strives to exceed expectations. Jennifer follows through with what she promises, and wants you to finish feeling informed and confident about your loan. She loves sharing her passion for home buying, and offers educational seminars for colleagues and home buyers.

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With over 28 years of mortgage industry experience, John has served as a senior loan executive with a focus on consumer lending and mortgages,loan origination, sales, and branch
management. Prior to joining Patelco Credit Union in 2019, he acted as a mortgage loan officer at Redwood Credit Union, mortgage loan consultant at Sterling Bank & Trust, loan production manager at Downey Savings, and service center manager at San Francisco Federal Credit Union. John is a graduate of State University of New York, Purchase.

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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.

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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.

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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.

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With 20 years of experience, Mark is passionate about finding the right financing solution for you. He believes every member is unique, and wants to ensure that his solutions will take into account your entire financial picture. A mortgage is a huge commitment, and Mark wants to be there to guide his members for the long term. He is here to build relationships and provide the best mortgage experience possible.

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With over 17 years as a loan processor and Home Loan Consultant, Melissa has extensive experience and a hands-on approach to loans. She's ready to put her skills to work so you can achieve your dreams. With a particular focus on refinancing, Melissa can provide knowledge and insight so your home is your security for the future, a place for treasured memories and opportunities for creating new ones in the future.

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Michelle believes that every individual and family can benefit from the advantages of home ownership if they have an experienced advocate to show them how. She wants to make obtaining a loan as affordable and stress-free as possible. Because buying or refinancing a home is often your largest financial endeavor, Michelle will provide all the support you need, along with and analysis to ensure that your goals are attainable. Michelle also enjoys explaining programs, crafting solutions and closing the deal.

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Whether you're a first-time home buyer, looking to trade up, or deciding to downsize, Paras can help you before you ever make an offer. There are many things to consider when getting a home loan, and interest rates are only one. Count on Paras to guide you in considering all your options - so you can concentrate on making the best housing decision. The financial aspects of home buying can be stressful and overwhelming, but they don't have to be. Paras has been helping members finance their dream homes for well over a decade. With his fast, friendly, and easy-to-understand process, Paras will learn about your financing objectives and deliver the right loan. Put Paras's commitment and expertise to work for you.

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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 provide education and guidance about different mortgage options so you can make the right decision on one of life's biggest investments.

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Sean is a Home Loan Consultant with over 22 years of experience. He has helped thousands of borrowers with home financing needs. He believes trust and confidence are the two most important qualities he can offer you as a loan consultant. As a former professional chef and restaurant manager, he especially values hospitality and customer service.

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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.

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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.