Born and raised in the central valley, I am deeply rooted here. I am a daughter & granddaughter of farmers and love that I got to grow up with a front seat to what makes the central valley so amazing, our agriculture. I am married to my high school sweetheart and we have 3 amazing & crazy children. Which is fitting because everyone that knows us calls us the #crazyCornejos. I have been in the lending business for 16 years and counting. I started from the ground up and made it my focus to gain the best knowledge and tools to be the best for my clients. I really take pride in giving exceptional service and a forever advocate and resource. I love attending my community gym, gardening, home decor and a good Netflix series. I love being a part of community events, getting involved, and making where we live a better place.

Branch Manager/VP of Mortgage Lending

Kristina Cornejo is your Modesto local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kristina 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 Kristina at (209) 602-8614 for more information!

Kristina Cornejo at Rate (NMLS #1203183)

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.

VP of Mortgage Lending

Wendy Kaiser is your Modesto local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Wendy 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 Wendy at (209) 585-0147 for more information!

Wendy Kaiser at Rate (NMLS #241191)

Driven by my own experiences, I made it my mission to redefine the homebuying experience for my clients. I wanted to ensure that each step of the journey was not just smooth but memorable, leaving them feeling empowered and secure.  
I dedicate time and effort to tailor solutions that align with your needs, whether it's your out-of-pocket expenses or your long-term aspirations. My commitment extends beyond just transactions; it's about building relationships and fostering trust.  
As a mother of three, I know firsthand the significance of what HOME truly means. It's more than just a place; it's a sanctuary, a haven where memories are made and dreams take flight.  
I firmly believe that everyone deserves a place to call home. Whether you're a veteran, a public servant, or part of our vibrant community, I'm here to stand by you every step of the way. Let's walk this journey together, because finding your home is not just a transaction— it's a foundation for your future and I'm with you "contigo" 100% of the way.

Producing Partnership Branch Manager

Tamara Pulido is your Modesto local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tamara 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 Tamara at (209) 206-9784 for more information!

Tamara Pulido at Rate (NMLS #1655776)

VP_DE_PRéSTAMOS_HIPOTECARIOS

Melissa Hurtado is your Modesto local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Melissa 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 Melissa at (209) 206-9780 for more information!

Melissa Hurtado at Rate (NMLS #2142850)

Krystle Gonzales is your Modesto local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Krystle 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 Krystle at (209) 206-9787 for more information!

Krystle Gonzales at Rate (NMLS #2238430)

Licensed Production Manager

GERENTE_DE_PRODUCCIóN_AUTORIZADA

Enedina Rincon is your Modesto local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Enedina 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 Enedina at (209) 206-9788 for more information!

Nina Rincon at Rate (NMLS #1756415)

**Hi, I'm Jesse—your trusted mortgage expert and guide to homeownership.**  
With over **25 years of experience**, I specialize in making home financing **simple, clear, and stress-free**, helping individuals and families confidently achieve their homeownership goals. I'm here to simplify the process, provide expert advice, and secure the best loan options tailored to your needs:  
✅ **Simplified Process** – Clear, step-by-step guidance so you always know what's next.  
✅ **Expert Support** – Honest answers and experienced insight at every stage.  
✅ **Tailored Loan Solutions** – Custom-fit financing options to match your goals.  
✅ **Proactive Approach** – I spot and solve potential issues before they arise.  
✅ **VIP Service** – Personalized attention and priority care from start to finish.  
**When I'm not helping clients become homeowners, you'll find me enjoying life with my family:**  
🏃‍♂️ Watching my son compete in **Track and Cross Country**  
🏈 Coaching my son's **Flag Football team**  
💪 Hitting the gym with my workout crew  
💃 Dancing with my wife of 32 years  
**Life is all about balance—and I bring that same energy, dedication, and care into every transaction.** My mission is to create lasting relationships and be your **go-to mortgage resource for life**. Let's make your homeownership dreams a reality!

Jesse Santana is your Modesto local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jesse 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 Jesse at (209) 216-1719 for more information!

Jesse Santana at Rate (NMLS #256630)

Modesto

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7 Loan Officers Modesto, CA