Title: Branch Manager

 

Why do Business with Don

I grew up in the Bay Area and currently live in Pleasanton, California, with my wife Lynn, where we raised our two daughters.

I have been a licensed real estate broker since 1980.  In 1990 I became a mortgage banker.  Since 1990 I have funded thousands of mortgages with a 100% approval record.  Every client I have worked with to buy a home has had their loan approved.

There are dozens of loan options today and each loan has particular features and benefits.  During your loan consultation, I will help you determine what loan program will best serve your personal long term and short term financial goals at the lowest overall cost.  During our consultation, I will help analyze the tax savings benefits of home ownership and your monthly cash flow objectives.  I will also help you avoid the costly mistakes many people make when obtaining a mortgage.

I specialize in residential loans, 1-4 units.  Cherry Creek Mortgage is a direct FHA and VA lender.  We originate the loan, we process the loan, we underwrite the loan, and we fund the loan.  As a mortgage banker and mortgage broker, I have access to hundreds of sources nationwide to ensure you get the best possible loan.  I offer a wide range of loan options, including fixed rate, adjustable, jumbo, second mortgages, Reverse Mortgages, VA, FHA, STRS, interest-only, super jumbo, special first-time buyer programs, zero point, and no cost refinances.

I want to make the process of obtaining your loan simple and stress free.  You can apply over the phone, online, via fax, or we can meet face-to-face in my office or your home or office.

After your loan closes, I will monitor your loan and will advise you when it would make sense to refinance to a lower interest rate using our no-cost refinance program.

"We have used Don for about 4 years now and are very pleased with his service.  He is responsive and goes above and beyond other lenders I've used.  He educates my husband and I about different loan options and how they can help to build wealth while providing a tax-shelter - it's kind of the "big picture" view of lending versus using a lender who always puts you in a 30-year fixed rate because that's what I asked for and they never took the time to consult with me on other options." Anita & Frank Sole

"Don was (as always) terrific! He and his team really went to bat for us and got us a great refinance deal."  Branden Fitelson & Tina Eliassi-Rad

"Carl and I consider Don and his staff incredible professionals, exceptional in all aspects of customer service, loan process and loan closure.  We will refer you to others as we have in the past." Carl & Yvonne Mosby

"Thanks so much for making our refinance so quick and easy! You're the best." Allan & Sandra Bradshaw

"As usual, efficient, competent, courteous, optimistic work.  Thanks again, Lender for Life." Michael & Hazel D'Agostino

"Don is knowledgeable and overall easy to work with, we are doing another deal soon and will be calling Don soon.  He is fantastic!" D'Arcy Maduro

 

I started in mortgage lending in 1977 as a senior loan processor until obtaining my real estate license in 1986 and beginning a new career as a loan officer.

As a top loan originator I am a member of Cherry Creek's exclusive Masters Club.  I enjoy working with my clients, especially first time homebuyers, and establishing long term relationships.

I have a Masters Degree in Public Administration from Cal-State Hayward, live in San Leandro with my daughter.  I love playing the piano and singing and being active in my church.

I have been one of the Bay Area's leading loan officers since 1989.  I pay special attention to financing details and customer concerns.  By analyzing customer needs and developing acceptable financial options, I have helped hundreds of satisfied clients achieve their dream of home ownership.

I was the first Cherry Creek loan officer to implement the Mortgage Credit Certificate (MCC) Program.  By securing tax credits for eligible borrowers, affordable housing became a reality for numerous first-time homebuyers.  I also service consumers who desire attractive jumbo fixed and adjustable rate mortgages.

The home buying process can seem confusing and burdensome to you.  I am careful to explain not only the step-by-step flow of documentation but also the corresponding emotional feelings that accompany each phase in the process.  After the initial loan consultation, you will know what to expect and what to do to make the home buying process trouble-free.

Claudia, What a JEWEL you are! You worked so hard to get us funded.  I don't even have words to tell you how much my husband and I appreciate you and how impressed we are with your service.  We were outbid so many times, we started to just give up.  But finally, finally our prayers were answered.  The house is perfect for our family.  I don't even remember the other 100 we looked at.  Of course, once we get set up, we'll invite you over.  I'm very happy, we're all very happy.

Thank you Claudia.

Ava

Hi Claudia!

Sorry it's taken so long to email you, first off thank you for the gift card.  We're finally nice and settled.  We haven't had a welcome party yet but it's coming soon.  I know you're an incredibly busy lady but if you can make it when we do have one that would be great! After all, without your hard work and all you did to make this happen we would of never gotten this house.  I'll never forget that, so thank you so much again for everything you've done, I don't think I could have gotten a better loan officer.

Joe

Dear Claudia,

Thanks so much for sharing your expertise last weekend for the house we were interested in - I am very impressed with your level of professionalism on a Sunday afternoon of a 3-day weekend!

Thanks again - Ruan & Lance

Thank you for all your hard work.  You were very professional and proactive.  You made this process (not for the fainthearted) as smooth as possible for us.  Honestly, had it not been for the team we had, we would still be renting.  You have our vote and referral.  Thank you again.

James Lee

Carolyn graduated from UC Davis and has lived most of her adult life in the Tri Valley area. Her husband, Ralph a project manager and her two sons, Kevin and Ryan both college student athletes help keep her grounded.

She uses her wealth of knowledge in marketing, networking with other industry professionals and the financial market to provide superior service to her clients.  She stays on top of the ever changing market in relationship to all the government programs such as VA and FHA as well as the city down payment assistance programs for the first time home buyers.  She sees her responsibility as an adviser and a manager to facilitate the loan process from beginning to the end and after.  She conducts each transaction with integrity as she keeps everyone informed during the loan process.  She treats each transaction as if it were her own.

 

Thanks for everything. You have been wonderful to work with. I look forward to doing VA deals with you in the future. . . I will send them your way!!  Kelly Wall

Thank you Carolyn for doing such a fantastic job with your constant updates.  I really appreciate it.  Annette Campos

We want to thank you again for all of your help in getting us in our home, we just love it.
We will keep you in mind if any of our friends or family are looking for your services. Arlene Borja

We appreciate all you have done to help close out both transactions. We are thrilled with the outcome and would like to thank you for everything you did to make it happen. Glen Sunnergren

 

 

I have a Bachelor of Science degree in Business from St Mary's College in Moraga California. I currently live in Pleasanton and have lived in the Tri-Valley area for the last 29-years, where I raised my four daughters.

I started in the loan business in 2001, completing mortgage loans, and financing construction projects. I use my experience in marketing, business, and networking with other professionals in all aspects of the real estate environment to keep abreast of new loan programs and changes in the loan arena.

I offer VA, FHA, Conventional and Jumbo loans, and many other products. I work with down Payment Assistance programs as well as First Time Homebuyer Loan programs.

I pay special attention to financing details and customer concerns. I work for the client by analyzing their needs and developing acceptable financial options.

Today's loan process can seem confusing, I am careful to explain the loan process from initial loan application through each step to the document signing so that the client will have peace of mind through the entire process.

Daryl Thomas

CA-DOC250207

DRE#01413633

Ron entered the mortgage business as a loan officer in 1965.  he helped found a mortgage banking firm in 1967 and rose through the ranks until he became President and CEO in 1981.  Ron continued in that position until the firm joined forces with a community bank in the Spring of 2000.

 

In the Summer of 2000 Ron left the administrative duties of the bank to return to what he really enjoyed…helping individual clients with their financing needs.  He joined Cherry Creek Mortgage Company because they were large enough to serve his clients, but small enough to care.  They combine "high tech" with "high touch".  That is, they offer the most current technology, but still firmly hold to the belief that long term relationships based on mutual trust will always be the foundation of any successful business.

 

Ron has lived in Castro Valley for over 38 years, where he and his wife (of 44 years!) raised their son and daughter.  Always trying to blend his business activities with an active role in community affairs, Ron was a founding director of two community banks, past president of the local Chamber of Commerce, and former "Business Person of the Year in the Castro Valley community.  He as always been a vigorous supporter of the public schools, was a long time member of the board of directors of the East Bay Cancer Support Group, and was formerly an active member of the board of directors of the Eden Medical Center Foundation.

 

Ron's overriding business philosophy is "If you take care of people, business takes care of itself".  That philosophy has resulted in relationships that enable Ron to still enjoy the business after more than 45 years!

Nooshi Naderi Financial has over 20 years of experience in finance and banking.  We will work to unveil opportunities hidden to neophyte brokers and bankers.  Our-in-depth knowledge of the finance, lending, credit, escrow, real estate and processing industries will enable a variety of more favorable choices and options which may not have existed before.

A proper evaluation of your specific situation, needs, and wants; along side our well established relationship with many lenders will lead to the correct set-up and packaging of your file and will benefit you from niche loans otherwise unavailable.

Profile:

• Mortgage planner and cost/benefit specialist
• Member of California Association of Mortgage Brokers (CAMB)
• Auxiliary member of Arthritis Foundation, San Francisco Chapter
• Auxiliary member of San Francisco Symphony League
• Member (and former board member) of Professional Woman Networking Group (PWN)

 

 

As a licensed Real Estate Mortgage Loan Consultant with over 16 years experience, I have established myself as an expert in the mortgage field. My expertise goes beyond the traditional first and second home loans, and offers solutions for investment properties, construction loans and more… tailoring financial solutions to fit each of my client's needs.

 

I have assisted thousands of individuals and families achieve their dreams of home ownership.  In addition I help seniors understand their options such as Reverse Mortgages, which help them stay in their home and achieve the benefits of having more monthly income to enjoy their retirement dreams by having no mortgage payment as long as they remain in the home (they do have to pay taxes and insurance).

 

I am a dedicated marathon runner, and, as such, I fully understand hard work, dedication and commitment. I use these attributes to help my clients achieve their dreams of ownership and also a better financial future.

 

I will be with you every step of the way…… mile after mile