Buy a principal residence, second home, or investment property

Whatever type of property you want to buy, we offer the full range of mortgage options to help you do it.

Fixed-rate mortgages at competitive rates
Jumbo loans up to $2.5 million
Adjustable-rate mortgages with flexible terms
Fannie Mae HomeReady mortgages with down payments as low as 3% for home purchases and the ability for co-borrowers and extended family to assist with your home purchase

HomeReady is a registered trademark of Fannie Mae.

Refinance your current mortgage

If you want to lower your interest rate and monthly payment, or pay off your home sooner, we offer a full range of products to help you refinance with options that include:

Jumbo loans
Home Affordable Refinance Program (HARP) for homeowners who don't qualify for traditional refinancing

Whatever your goals in life are, you'll find the financing you need to reach them at Rabobank. We can help you purchase or refinance a house, make home improvements, or pay for a large expense.

Get a custom rate quote today >

Estimate your monthly mortgage payments >

Northern California

Chico & surrounding areas

Andreas Fellner
NMLS#844869
Office: (530) 763-9151
FAX: (530) 891-3498
2041 Forest Avenue
Chico, CA 95928
Andreas.Fellner@rabobank.com
www.RabobankAmerica.com/AndreasFellner

Napa & surrounding areas

Patrick McArdle
NMLS#742368
Office: (707) 603-2622
Cell: (707) 287-4295
FAX: (707) 265-9923
700 Trancas Street
Napa, CA 94558
Patrick.McArdle@rabobank.com
www.RabobankAmerica.com/PatrickMcArdle

Oroville & surrounding areas

Kathy Holland
NMLS#742377
Office: (530) 763-9155 x63201
Cell: (530) 228-5486
FAX: (530) 532-0708
2227 Myers Street
Oroville, CA 95966
Kathy.Holland@rabobank.com
www.RabobankAmerica.com/KathyHolland

Roseville & surrounding areas

Mark Ray
NMLS#259741
Office: (916) 872-2007
Cell: (916) 225-5626
FAX: (916) 772-0430
3992 Douglas Boulevard, Suite 110
Roseville, CA 95661
Mark.Ray@rabobank.com
www.RabobankAmerica.com/MarkRay

Stockton & surrounding areas

Mark Ray
NMLS#259741
Office: (916) 872-2007
Cell: (916) 225-5626
FAX: (916) 772-0430
3992 Douglas Boulevard, Suite 110
Roseville, CA 95661
Mark.Ray@rabobank.com
www.RabobankAmerica.com/MarkRay

Roseville & Surrounding Areas

Christina Reyna
NMLS#669080
Office: (916) 872-2011
Cell: (916) 540-8856
3992 Douglas Boulevard, Suite 110
Roseville, CA 95661
Christina.Reyna@rabobank.com
www.RabobankAmerica.com

Central Valley

Fresno & Surrounding Areas

Michele Sacca
NMLS#694677
Office: (559) 447-7916
Cell: (559) 706-8782
FAX: (559) 447-7925
45 E. River Park Place West
Fresno, CA 93720
Michele.Sacca@rabobank.com

Modesto & surrounding areas

Beverly Martin
NMLS#742369
Office: (209) 557-8860
Cell: (209) 380-4219
FAX: (209) 576-1054
1407 I Street
Modesto, CA 95354
Beverly.Martin@rabobank.com
www.RabobankAmerica.com/BeverlyMartin

Central Coast

Salinas & surrounding areas

Lisa Ostarello
NMLS#742372
Office: (831) 737-1261
Cell: (831) 901-5895
FAX: (831) 422-0924
301 Main Street
Salinas, CA 93901
Lisa.Ostarello@rabobank.com
www.RabobankAmerica.com/LisaOstarello

Pacific Grove & surrounding areas

Michael Rogers
NMLS#275758
Office: (831) 737-1441
Cell: (831) 233-0026
FAX: (831) 649-5018
561 Lighthouse Avenue
Pacific Grove, CA 93950
Michael.Rogers@rabobank.com
www.RabobankAmerica.com/MichaelRogers

Cambria & surrounding areas

Mark Chandler
NMLS#742379
Office: (805) 927-5684
Cell: (805) 748-5892
1070 Main Street
Cambria, CA 93428
Mark.Chandler@rabobank.com
www.RabobankAmerica.com/MarkChandler

San Luis Obispo & surrounding areas

Mark Chandler
NMLS#742379
Office: (805) 927-5684
Cell: (805) 748-5892
1070 Main Street
Cambria, CA 93428
Mark.Chandler@rabobank.com
www.RabobankAmerica.com/MarkChandler

Paso Robles & surrounding areas

Karen Sepulveda
NMLS#742374
Office: (805) 434-2026
Cell: (805) 423-1269
FAX: (805) 434-0698
1025 Las Tablas Road
Templeton, CA 93465
Karen.Sepulveda@rabobank.com
www.RabobankAmerica.com/KarenSepulveda

Atascadero & surrounding areas

Karyn Sturtevant
NMLS#742361
Office: (805) 466-9930
Cell: (805) 550-0921
FAX: (805) 466-2708
6950 El Camino Real
Atascadero, CA 93422
Karyn.Sturtevant@rabobank.com
www.RabobankAmerica.com/KarynSturtevant

San Luis Obispo & surrounding areas

Scott Elmerick
NMLS#742366
Office: (805) 269-7088
Cell: (805) 550-1339
FAX: (805) 544-6855
75 Santa Rosa Street
San Luis Obispo, CA 93405
Scott.Elmerick@rabobank.com
www.RabobankAmerica.com/ScottElmerick

Arroyo Grande & surrounding areas

Amy Siroky
NMLS#742358
Office: (805) 473-6877
Cell: (805) 234-4889
FAX: (805) 473-6876
1026 East Grand Avenue
Arroyo Grande, CA 93420
Amy.Siroky@rabobank.com
www.RabobankAmerica.com/AmySiroky

Santa Maria & surrounding areas

Didi Reynoso
NMLS#633237
Office: (805) 614-5307
Cell: (805) 689-0038
FAX: (805) 349-1101
1554 South Broadway
Santa Maria, CA 93454
Diane.Reynoso@rabobank.com
www.RabobankAmerica.com/DianeReynoso

Orcutt-Oak Knolls & surrounding areas

Edna Young
NMLS#614330
Office: (805) 614-5355
Cell: (805) 315-5075
FAX: (805) 934-5997
1110 E. Clark Avenue
Santa Maria, CA 93455
Edna.Young@rabobank.com
www.RabobankAmerica.com/EdnaYoung

Southern California

Ventura & surrounding areas

Tiffany Beecher
NMLS#1044111
Office: (805) 477-3390
FAX: (805) 648-3681
304 E. Main Street
Ventura, CA 93001
Tiffany.Beecher@rabobank.com
www.RabobankAmerica.com/TiffanyBeecher

Goleta & surrounding areas

Sean Donner
NMLS#300773
Office: (805) 879-9304
Cell: (805) 680-4155
FAX: (805) 966-5697
3757 State Street, Suite 100
Santa Barbara, CA 93105
Sean.Donner@rabobank.com
www.RabobankAmerica.com/SeanDonner

Ventura & surrounding areas

Don Martin
NMLS#742367
Office: (805) 339-0945
Cell: (805) 696-5511
FAX: (805) 339-0725
1171 S. Victoria Avenue, Suite A
Ventura, CA 93003
Don.Martin@rabobank.com
www.RabobankAmerica.com/DonMartin

Camarillo & surrounding areas

Robert Weber
NMLS#614329
Office: (805) 384-2187
Cell: (805) 689-8045
FAX: (805) 384-9553
470 Arneill Rd
Camarillo, CA 93010
Robert.Weber@rabobank.com
www.RabobankAmerica.com/RobertWeber

Coachella Valley & Imperial Valley

Esmeralda Soria
NMLS#511543
Office: (760) 564-6243
Cell: (760) 902-6833
51-290 Avenida Bermudas
La Quinta, CA 92253
Esmeralda.Soria@Rabobank.com
www.RabobankAmerica.com/EsmeraldaSoria

Palm Desert & Surrounding Areas

Jeffrey Conway
NMLS#852935
Office: (760) 862-9750
41990 Cook Street, Building H
Palm Desert, CA 92211
jeffrey.conway@rabobank.com
www.RabobankAmerica.com/JeffreyConway

Home Loans

Rely on Rabobank for all your home financing needs

Buy a principal residence, second home, or investment property

Refinance your current mortgage

Get a home equity loan

With a history of integrity & quality, Rabobank is the place for you.
We help you build a foundation with the right tools & services to achieve t he financing to reach your goals.

California Loan Officers

Don't see your area listed?

Northern California

Central Valley

Central Coast

Southern California

Buy a principal residence, second home, or investment property

Refinance your current mortgage

Get a home equity loan

With a history of integrity & quality, Rabobank is the place for you. We help you build a foundation with the right tools & services to achieve t he financing to reach your goals.

California Loan Officers

Don't see your area listed?

Northern California

Central Valley

Central Coast

Southern California

With a history of integrity & quality, Rabobank is the place for you.
We help you build a foundation with the right tools & services to achieve t he financing to reach your goals.