Find a Home Loan Consultant

As a 15-year veteran in real estate, 艾伯特有专业知识和创造力，以指导您的抵押贷款，最适合您的需求.

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.

无论您是购买新房还是为现有贷款进行再融资, 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.

抵押贷款是你要做的最重要的财务选择之一. 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. 安迪准备为您的独特需求创造正确的抵押贷款解决方案, 并将在整个贷款过程中为您提供可靠的指导, 努力使每一步都简单有效.

I am an established mortgage professional with more than 35 years of experience in the financial industry. As your Patelco Home Loan Consultant, 我致力于通过透明的沟通指导您的住房贷款过程. 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, 提供你需要的支持和信息, 顺利快速地结清贷款. 我在这里回答您的问题，并找到解决方案，以帮助您实现您的家庭融资目标. I specialize in financing 1–4-unit residential properties for first time homebuyers and seasoned homeowners, 具有分析RSU收入的独特知识. 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始终致力于帮助您实现您的目标，而不仅仅是完成您的贷款交易. 保持诚信和建立关系是艺术工作的核心, 他可以为您量身定制住房贷款融资解决方案.

Whether it’s buying your first home, 再融资以降低付款，或者利用你的资产进行翻新, 获得抵押贷款可能是一个令人难以置信的压力和情绪的过程-但它没有必要. 鲍比对抵押贷款采取了全面的方法, considering your unique circumstance, 生活方式和财务目标为您匹配最适合您的产品. 拥有十多年的金融从业经验, Bobby is familiar with every phase of the mortgage process — from origination to fulfillment to underwriting. 拥有南加州大学马歇尔商学院的学位, 鲍比经常利用自己的商业背景来解读最复杂的个人经济状况. This positions him to deliver great results for members with custom-tailored home loan solutions and excellent service.

Brandon在金融服务行业有11年的经验. 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. 许多信贷员可以帮助你获得贷款——布兰登的任务是确保你得到正确的贷款.

在抵押贷款行业工作了近20年, 凯瑟琳致力于帮助您实现您的家庭融资目标, 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. 她说一口流利的越南语，喜欢去新的地方旅行，喜欢在海滩上度过时光.

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

帮助会员通过住房贷款改善他们的财务生活是推动塞西莉亚的动力.

从你和她最初的谈话到结束，塞西莉亚会更新和支持你.

Derek started his career at Patelco in 2013 at the Castro Valley branch and then transitioned into mortgage lending. 在买房过程中与许多人合作, 德里克以倾听你的个人需求和帮助你的能量而自豪, passion, and engagement. 作为您在购房过程中的倡导者，他将使您在Patelco的经历令人难忘.

在抵押贷款行业有超过15年的经验, 埃里卡有专业知识提供卓越的服务和建议. 抵押贷款是你要做的最重要的财务选择之一, 爱丽卡想为你提供一次有教育意义的见多识广的经历. 她热衷于帮助别人实现他们的目标, 没有什么比帮助会员购买或再融资房屋更有意义的了.

作为一名住房贷款顾问，信任和沟通是弗雷德最重要的品质. When working with Fred, 你可以指望得到最适合你的财务状况的住房贷款. Fred knows Patelco has done a good job when a member makes a financial decision that’s in their best interest.

Gegham在银行和金融服务领域拥有近20年的经验. He started his career at Bank of America as a teller and quickly expanded his skillset into home lending. 他最喜欢的工作之一就是帮助指导和教育他的客户, especially new homeowners, with their financial needs and questions. 他很有耐心，花时间解释所有不同的贷款选择和产品, 他的目标是让他的客户在一起工作时感到舒适, 因此，他们发现在购买或再融资房屋时，很容易做出明智的决定. 他喜欢钓鱼、听音乐，还能说一口流利的亚美尼亚语.

Gloria是土生土长的湾区人，在金融行业工作了十多年. 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. 格洛丽亚的目标是引导会员贷款，使他们走上财务健康的道路.

格洛丽亚·梅伦德斯自豪地为东湾服务, 三谷社区，并帮助成员满足他们的个人需求. 拥有超过15年的抵押贷款和银行经验, 她为自己帮助他人的整体方法感到自豪.  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, 通过回答所有的问题，确保每一步都让各方都感到舒适.

Jim在关系管理方面拥有超过15年的综合经验和知识, lending, investments, insurance and home lending. 当你和他见面讨论你的房屋融资目标时, he will listen attentively and work with you to create an actionable solution based on your individual situation and budget. 他很自豪能在一家信用合作社工作，在那里他真正有能力把你的需求放在第一位. When he’s not working, he enjoys watching sports, 与家人共度美好时光，在社区里做志愿者.

抵押贷款是你要做的最重要的财务选择之一. 在Patelco担任住房贷款顾问，有20年的经验, 何塞一直致力于帮助你实现你的目标，而不仅仅是完成你的贷款交易. 保持诚信和建立人际关系是何塞工作的核心, 他可以为您量身定制住房贷款融资解决方案.

“努力让你的住房梦想成真.“我非常小心地提供友好和专业的抵押贷款服务. My experience analyzing complex credit, 收入和财务数据有助于解决整个贷款过程中出现的问题. 持续的沟通和跟进会帮助你保持信息和联系. 我对合格、大型和首次购房者计划有详细的了解. 我是一名美国退伍军人，已婚，有三个孩子，是一名户外运动爱好者. I enjoy golfing and camping. 我相信对我的工作所能得到的最好的赞扬，就是来自家人或朋友的推荐. 我的目标是为您提供快速贷款结算和安心.

Kellie是一位经验丰富的顾问，拥有超过20年的专业知识. Whether you’re a first-time home buyer, looking to trade up, or deciding to downsize, 她可以在你出价买房之前帮你. 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, 凯文将定制住房贷款的解决方案，最适合您的情况和您的需要.

凯文·海登在抵押贷款行业有超过25年的经验. He’ll bring his strong work ethic to thoroughly analyze even the most difficult loan transactions — including specializing in assisting members with RSU income. 他个人完成了超过3000笔贷款，总价值超过20亿美元. 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.

无论你是在寻找你的第一个家, need to downsize, 或者想要在现有的抵押贷款上省钱, 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. 他找到了一个中庸之道，成为帕特尔科公司的住房贷款顾问, 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. 他专门从事大额融资，并与许多首次购房者合作. 在他的业余时间，你可以发现他在园艺、修车或看足球.

正直和奉献是帕特丽夏工作的核心. 作为一名住房贷款顾问，在Patelco拥有16年的经验, she has the deep knowledge of lending solutions and has helped hundreds of families and individuals with their home loan needs. 无论你是想买新房子还是想为你现有的抵押贷款再融资, 帕特丽夏随时准备协助你的每一步. 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.

购买或再融资房屋是你将做出的最重要的财务选择之一. As an experienced Home Loan Consultant, 拉尔夫在这里通过倾听你的需求来指导你整个过程, 回答你的任何问题，让你知道每一步的进展. 在零售部门和金融行业工作7年以上, he knows how to engage in conversations, 找到合适的住房贷款解决方案，符合您的长期目标和当前需求. He has a passion for helping people and looks forward to helping you strengthen your financial well-being.

夏琳娜从事抵押贷款行业已经超过15年了. 除了做住房贷款顾问, she is an active real estate agent, 给她贷款和房地产的知识. 无论你是第一次购房者寻求获得预先批准或现有的房主, 她可以帮你找到最适合你的条款. 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. 她会陪伴你的每一步，这样你就可以对你的家做出最好的决定.

在湾区出生长大, 索菲亚有知识和专业知识来帮助你找到适合你的贷款. 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, 温斯顿·王(Winston Wang)一直巧妙地帮助他所在的社区在整个湾区买房. His deep experience in new construction, condos, 单户住宅使他能够为他的顾客和客户制定个性化的抵押贷款.

在加入Patelco之前，Winston Wang在富国银行(Wells Fargo)和KB Home工作. 在业余时间，温斯顿喜欢和家人在一起，喜欢摄影.