As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Branch Manager/SVP of Mortgage Lending

Nicole Santizo is your Los Altos local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Nicole is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Nicole at (650) 584-0958 for more information!

Nicole Santizo at Rate (NMLS #582907)

I offer total financial needs analysis with an expertise in mortgage financing. Using a thorough set of tools and skills which I have perfected through years of experience, I am able to design a lifelong financial plan that is custom tailored to each person's individual needs and goals. I have come to believe that working in conjunction with my clients and business partners is a team effort with a common goal that has resulted in exceptional results and lifetime relationships. My passion is to forge these close relationships and achieve maximum results with every individual. I look forward to working with you.     Preparing for that next step in life isn't always easy. My combination of experience, professionalism and knowledge of a wide variety of products and solutions can help you meet your financing goals. I promise you a new level of attention, insight, capability and comprehensive financing strategies.

VP of Mortgage Lending

Tanya Click is your Los Altos local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tanya is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tanya at (408) 710-0265 for more information!

Tanya Click at Rate (NMLS #307893)

Andre Gutierrez began his career in the real estate finance business over 15 years ago and is a licensed mortgage loan professional. In an environment where the lending criteria are changing every day and financing is more difficult to secure, what is needed is an experienced real estate professional. Andre Gutierrez has the experience and personal service required to provide you with the best solutions to all your financing scenarios and needs. Andre’s commitment is to his clients. He works diligently to get their loans closed efficiently and on time because that is how he wants to be recognized. He stays ahead of the curve by constantly educating not only his clients but also our team of professionals on what is happening in our industry and market.

Associate VP of Mortgage Lending

Andre Gutierrez is your Los Altos local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Andre is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Andre at (408) 508-5610 for more information!

Andre Gutierrez at Rate (NMLS #251241)

Bee Wong is your Los Altos local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Bee is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Bee at (415) 860-0012 for more information!

Bee Wong at Rate (NMLS #281727)

Parshan Rayatkah is your Los Altos local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Parshan is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Parshan at (650) 316-2171 for more information!

Parshan Rayatkah at Rate (NMLS #1577584)

Los Altos

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5 Loan Officers Los Altos, CA