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1. Brian Decker
NMLS319790
Brian Decker is one of the most recognizable names in the mortgage industry, closing over $3 Billion dollars in mortgage loans over the last 15 years. He has never forgotten his roots which is why he founded his company Modern Lending in the small town in which he was born Temecula, CA. His focus has been to bring financial education, low cost financing options and the highest level of service to the industry. He finished in the Top 5 in the U.S (out of over 700,000 loan officers) for closed mortgage loans nearly every year for the last decade. His constant dedication to a transparent and ethical lending process are just a few of the reasons he was named One of the Top 10 Influential Mortgage Professionals in the United States for the impact he is having on the mortgage industry. With nearly 200,000 followers on his social media accounts Brian spends nearly a dozen hours a week providing free education to underserved communities to help increase homeownership levels. Brian's team consistently offers clients the lowest mortgage rates on Jumbo, VA, USDA, FHA, Conventional and Home Equity mortgage products. Brian specializes in first time home buyers programs and is a preferred lender of choice by CalHFA (California's top down payment assistance authority). Brian is also personally licensed in Arizona, California, Idaho, Florida and Tennessee. He has been in the mortgage industry since 2005 and during this period of time has established himself as one of the hardest working individuals in the industry. Communication is essential during a purchase or refinance which is why each and every client will receive an daily update on their file. His company Modern Lending makes it a point to donate 10% of the companies profits each year to various charitable organizations. Outside of the office, Brian enjoys spending time with his beautiful wife Alison, his five year old son Slater and 7 year old daughter Kinsley Grace. In Brian's spare time, runs a Childrens Foster Charity Rose Again Foundation with his wife. Modern Lending Team is a Registered DBA under Modern Mortgage Lending, Inc. NMLS #1865339 | CA DRE #02095773
2. Kelli Holbrook
Miller Financial, Inc
NMLS785836
12 Yrs of Exp Experience: 12 Years
A little bit about myself, prior to joining Miller Financial in May 2014, my work history had been working at Nordstrom for just over 18 years (1982-2000) as salesperson, manager, buyer and then finished my time as a divisional branch manager. I then stayed home to raise 3 kids from 2000-2009. As the kids got older, I decided it was time to assist my husband, Jim Holbrook at Performance Realty Estates & Homes, where he has been the owner/broker since December 2008. In 2012, I got my loan license and worked at another local broker before coming to Miller Financial, Inc as a mortgage broker. The advantage of going with a mortgage broker, is I can shop 50+ lending institutions to insure you are getting the best interest rate and turn times to get the loan closed within the contract timeframe. I pride myself in giving great customer service, as an empty nester, I'm available to my clients 7 days a week, working nights and weekends. I truly enjoy the part I have in assisting my clients achieve their goals of homeownership, refinance and/or invest as well as building lasting relationships along the way. Take the 1st and most CRUCIAL step in purchasing a home...find out exactly what you qualify for and what would be your best option. Please call me today to get pre-approved and then be ready to shop for your dream home!
3. Andy Sabo
Loan Factory
NMLS2248266
2 Yrs of Exp Experience: 2 Years
Working with a broker has advantages over traditional retail lenders. Andy will shop the loan for you to find the best possible rates. This means you don't have to have multiple lenders running your credit and getting prequalified over and over. NEXA Mortgage is the largest mortgage broker in the country. We work with over 200 lenders and can get deals done that traditional banks and mortgage companies cannot. With over 2200 loan officers we get preferred pricing with the big wholesale lenders. Andy has 8 years commercial lending experience prior to working in the residential lending industry. He provides investors with training and creative financing options, including DSCR loans, Hard Money, Fix-n-Flip, construction, and non-QM financing. Andy is also a license real estate agent with Coldwell Banker Realty in Carmel Valley, San Diego, CA. License # 02108830. Andy's background includes teaching, software engineering, database development, and IT services for over 27 years.
4. Yolanda Philips
Epiq Lending
NMLS280723
29 Yrs of Exp Experience: 29 Years
I know there is many options for lenders but choosing the right one is probably the most important part of your entire transaction. Integrity first! I can promise you that you will always be informed, you will never be pressured and that I will do my very best to put you in the right path and program that best suits your lifestyle. I come with 28 years experience and with that comes knowledge and commitment. Commitment to a career that has allowed me to have such rewarding opportunities. Commitment to my clients that are loyal and trust in me. Nothing is more important than knowing I did my very best and that you and your family are in a much better financial situation because of it. I have responsibility to my clients to make sure I offer the best mortgage advise
5. Heidi Lawler
C2 Financial
NMLS229167
28 Yrs of Exp Experience: 28 Years
Hello there! I'm Heidi Lawler, a knowledgeable Loan Officer with 27 years of experience, and I'm here to help you with your financial needs. Consider me your go-to guide as we navigate the lending landscape together. Let's explore the options available and find a tailored solution that suits your specific requirements. I'm here to guide you through the process and ensure a smooth and rewarding journey towards your financial goals.
6. Hayley Shams
Groves Capital
NMLS2307978
2 Yrs of Exp Experience: 2 Years
Hi there, I am a born and raised San Diegan with a passion for helping my clients not only qualify for their home loan, but also truly feel comfortable and understand their payment. I believe every client brings unique scenarios to the table, and we can find the perfect program for your needs. With a background in dental hygiene, I value an educational and encouraging approach. If you're looking for a loan officer who is knowledgeable, honest, patient, and exceeds in communication, then I'm your girl! Let's chat and see you we can achieve your financial goals together!
7. Bola Mories
E Mortgage Capital, Inc
NMLS2437072
1 Yrs of Exp Experience: 1 Years
I came to recognize the significance of homeownership and investment in real estate. It is this realization that fueled my passion for assisting clients in their quest for a home or investment property. As part of E Mortgage Capital, we take pride in providing top-notch and prompt service to our clients. As your personal advisor, I will work closely with you to explore the diverse options available to you and guide you towards making an informed decision. Let's work together to turn your dream of owning a home or finding a great investing opportunity into reality.
8. Melissa Elmazis
Guild Mortgage Company
NMLS2073467
64 Yrs of Exp Experience: 64 Years
Hello there! I'm Melissa Elmazis, a knowledgeable Loan Officer, and I'm here to help you with your financial needs. Consider me your go-to guide as we navigate the lending landscape together. Let's explore the options available and find a tailored solution that suits your specific requirements. I'm here to guide you through the process and ensure a smooth and rewarding journey towards your financial goals.
9. Marcia Frater
PRMG - Paramount Residential Mortgage Group
247105CA
36 Yrs of Exp Experience: 36 Years
About Marcia Hi there, The Frater Team is your Local Mortgage Expert to get you the home loan you need. We have been able to help our Clients get what they want no matter the market challenges and the industry restrictions. Our "Can Do" Attitude comes from many years of being a top producing loan Origination team in the Inland Empire. Our listening skills, creative problem solving and forward thinking gives us the edge to get approvals when others couldn't. You can count on us because of our courageous, direct and trustworthy approach to business. Like other Lenders we can say the usual "we close on time, "we are a direct lender" etc. however, that is what's expected in the Lending business right? The difference is in how it all gets done... We do not give up and we do not take a Loan on, unless we know it will work. We maintain constant communication with you, via email text and phone and YES - "in person" when you need us and as often as you need us to do so. You can trust us to guide you through Financing Process and to present the financing Options to help you meet you goal of Home Ownership, Whether you need help with a 100% Down Payment Assistance program or a Jumbo loan. With strong work ethics and passion you can trust us to keep the promises we make. Additional languages spoken: Spanish Licensed to work in: California (CA-DBO247105)
Resources to pick the best agent in San Jose, CA
When buying a home you want to be sure you are working with the best home loan lenders in Temecula, CA. Working with a knowledgeable home loan broker in Temecula, CA will ensure you the best rate and experience.
Not all lenders are the same and we want to make it easy for you to find the best one that fits your needs. Find a loan officer in Temecula, CA that will give you the rate you are looking for and the type of loan you need. With the right lender, your entire loan process will be smooth.
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