I was working in Silicon Valley in the High-Tech arena with several start-up companies for 12 years.  I was in sales and worked with my clients to find out their goals and objectives and worked towards solutions.  I was living in Pleasanton with 3 children in school and was commuting 3 hours a day.  An associate recommended that I talk to a friend of his in the mortgage business, so I could work closer to home and I have never looked back.  I have been working in the mortgage industry since 1998 and from that point I knew I had found my niche.  I received the “Rookie of the Year” award my first year, and although I have received several awards since, that one is my favorite.

I love helping people build wealth through real estate. I've been in mortgage lending for over 26 years and am now helping my clients children purchase their first home.  
The process has changed over the years but the reward is the same. There are so many benefits to homeownership.  
I help families with home financing throughout the US. I offer a variety of loan products from Conventional, FHA, VA, Jumbo and alternate financing options like Bank Statement for qualifying, Crosscolateral to help buyers purcahse their next home using the equity in their current home as a "bridge" to purchase their next home. I am certified in Reverse Mortgages as well.  
I am here to assist and answer any questions you have regarding home finaning.

VP of Mortgage Lending

Linda Zaiss is your Napa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Linda 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 Linda at (925) 918-0007 for more information!

Linda Zaiss at Rate (NMLS #8991)

Since 1967, Judy Bickell has lived in Napa, California, graduating from Vintage High School and attending Napa Valley College. It's the home where she got married and raised her family. As your home loan advisor, Judy understands buying a house means more than finding a place to live. It's one of the biggest financial decisions you'll ever make – but you don't have to go at it alone. Judy has deep connections to the local housing market, she will listen to your story and financial goals to help you build a personalized home financing solution to achieve your dreams. Each mortgage is unique to your goals, circumstances, and priorities. Buying your first or next home? Judy will help you review all available options to find the right home loan for you. Looking to refinance or remodel? Judy can share your options for renovation or construction financing too! Looking to determine whether a Reverse Mortgage might help you or your family members? please reach out to Judy! She will be there every step of the way to guide you in the right direction. Want to invest in real estate? Judy can help you build a competitive plan to finance your property portfolio. No matter your homeownership dream, Judy will always be by your side to answer questions with full transparency. Together, Judy looks forward to helping you sort through your questions and offer solutions that work for your circumstances.

Judy Bickell is your Napa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Judy 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 Judy at (707) 492-2497 for more information!

Judy Bickell at Rate (NMLS #251412)

Reina Perkins has over 20 years of experience in the lending industry, starting her career as an assistant to one of the top loan officers in the nation. She was born and raised in the Bay Area and is a graduate of UC Berkeley. Reina is a long time resident of Wine Country and has been working in both Napa and Sonoma Valley for her entire career.


Reina has a deep understanding of underwriting guidelines and the knowledge to guide you through the home loan process. She will start by discussing your specific circumstances to find the right program for you and your particular situation. She is able to provide information on every aspect of the home financing process and each home loan available. Whether you're a first-time homebuyer or an experienced real estate investor, Reina can help you find the solution to your home financing needs and explain each step in detail so that you are 100% comfortable. She has access to conventional programs, FHA, VA and also to programs for those without traditional income profiles, such as bank statement loans, 1099 loans, asset utilization loans and more.


Reina understands that a mortgage is the largest investment many people will ever make! From applying to receiving your keys or completing your refinance, Reina will be there to support you. You'll receive continuous updates on your loan, and she will be easily accessible to answer your questions. Reina makes herself available on evenings and weekends in order to accomodate your schedule. Communication promotes confidence, and she wants you to feel confident every step of the way. No matter if you're buying, refinancing, or renovating, Reina looks forward to giving you an outstanding mortgage experience.

Producing Branch Manager

Reina Perkins is your Napa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Reina 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 Reina at (707) 318-3774 for more information!

Reina Perkins at Rate (NMLS #856071)

Buying a house means more than finding a place to live. It's one of the biggest financial decisions you'll ever make, but you don't have to do it alone. As your loan advisor, I'm dedicated to your success. I joined the industry in 2000 after a poor home purchase experience and want to make your home financing feel like a win. I've since specialized in supporting homebuyers across Napa, Solano, Lake, and Sonoma counties through the loan process in English and Spanish – making me one of Mortgage Executive Magazine's Top 1% of Mortgage Originators in America.When it comes to finding the right home loan for you, I start by listening. I'm genuinely interested in your story and want to understand your financial goals. From there, I can build a personalized mortgage solution for your homebuying plans. I'm proud to offer a wide range of home loan options, including conventional, jumbo, FHA, VA, and GR Signature loan programs. Whether you're buying, investing, refinancing, or renovating, we'll make a home financing plan for you. My consideration doesn't end with finding a mortgage. From our first conversation to closing and beyond, I'll help you move through the process quickly and smoothly while keeping you informed every step of the way. Want to have peace of mind with your home loan? Let's talk today.A little about me: I'm a twin and a mom of three with a big supportive family. I love to travel whenever I can!




*Rate has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.*

VP_DE_PRéSTAMOS_HIPOTECARIOS

Edith Guitron is your Napa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Edith 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 Edith at (707) 492-1117 for more information!

Edith Guitron at Rate (NMLS #254868)

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.

Jan Wamsley is your Napa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jan 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 Jan at (707) 765-5917 for more information!

Jan Wamsley at Rate (NMLS #337651)

Araceli Morales is your Napa local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Araceli 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 Araceli at (707) 559-9715 for more information!

Araceli Morales at Rate (NMLS #459486)

Napa

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6 Loan Officers in Napa, CA