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.

With over 30 years at Patelco Credit Union, Cecilia brings deep expertise and a passion for helping people achieve their homeownership dreams—one home at a time. As a dedicated Home Loan Consultant, she specializes in guiding clients through the complex landscape of mortgage financing with clarity, care, and confidence.

Cecilia’s extensive knowledge of both mortgage lending and the real estate market allows her to offer personalized solutions tailored to each member’s unique financial goals—whether you’re purchasing your first home, refinancing, or exploring new opportunities. Cecilia believes in building trust through transparency, integrity, and exceptional service.

Every step of the way, she it there to make your home buying journey smooth, informed, and rewarding. Let’s unlock the door to your new beginning—together.

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 10 years working in the mortgage home lending and financial service industry, Eric is dedicated to helping you achieve your financing goals, one step at a time. He enjoys sharing his experience and knowledge to help clients with one of the biggest financial investments decisions of their life. He is fluent in Cantonese, Mandarin and English. Eric’s mission is delivering great results for clients with home mortgage solutions and excellent service.

With over two decades of experience in the mortgage industry—including more than a decade at Patelco—Erica Badger brings deep expertise and a genuine commitment to helping members navigate one of life’s most important financial decisions. Whether you’re buying your first home or refinancing, Erica is dedicated to making the process educational, transparent, and tailored to your goals. Her passion lies in empowering others to achieve homeownership, and she finds true fulfillment in guiding members every step of the way.

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.

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.

I have over 21 years of customer relations experience. Integrity and ethical communication are the groundwork of my work practices, which allow me to work every day building our members’ financial health and well-being.
I am excited to be a part of Patelco Credit Union. Home financing can be a major milestone and plays an important part in our members’ life, and I am dedicated to working with them to ensure they make well-informed decisions and enhance their financial stability.

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.

“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.

As a Home Loan Consultant for Patelco Credit Union, Lima Rahim will provide you with all of the information necessary to make confident decisions whether you are looking to refinance or use the equity in your homes with a second mortgage. 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.

With more than 20 years of experience in the financial industry, Linda Low is deeply committed to helping individuals achieve long-term financial wellness. As your Home Loan Consultant, she takes the time to understand your unique goals and provides personalized guidance to help you find the most affordable and effective mortgage solution.

Whether you’re buying your first home, planning to downsize, or looking for ways to save on your current mortgage, Linda brings the expertise, insight, and patience needed to support you every step of the way.

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.

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, 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.

With over 20 years of experience in the mortgage industry, Sharlena brings a wealth of knowledge and a deep understanding of the real estate market to her role as a Home Loan Consultant. Her insight into both lending and housing trends allows her to provide well-rounded guidance tailored to each client’s unique needs.

Whether you’re a first-time homebuyer seeking pre-approval or a current homeowner exploring refinancing options, Sharlena is committed to helping you find the loan terms that best align with your financial goals. She takes the time to assess your financial situation, offering a clear picture of what type of loan and loan amount is realistic for you.

Sharlena’s market awareness and personalized approach ensure that you’re informed and confident throughout the home financing journey. From initial consultation to closing, she’s with you every step of the way—helping you make smart, informed decisions 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.

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 proudly serving Bay Area homebuyers, guiding them toward successful homeownership with personalized mortgage solutions. With extensive experience in new construction, condominiums, and single-family homes, Winston is dedicated to helping members find financing that aligns with their unique goals. Prior to joining Patelco, he gained valuable insight into both lending and real estate through roles at Wells Fargo and KB Home. Outside of work, Winston enjoys photography and spending quality time with his family.

With over 10 years of experience in the Mortgage Industry, Yolanda is passionate about helping individuals and families achieve their dream of homeownership. She takes pride in being a trusted resource throughout every step of the loan process, always thorough, detail oriented and committed to making the experience as smooth and stress free as possible. As a fluent Spanish speaker, she also ensures that language is never a barrier to homeownership. It is important to Yolanda that all families feel heard, understood and empowered through their journey.