Are You Ready for a Better Home Loan Experience? Call Me and Let's Talk.


Too many first time home buyers, refinancers, and reverse mortgage customers have endured terrible customer service, and results different than were promised at the outset. You don’t have to be one of them!

In calling myself your Mortgage Advisor, I hope to convey my lending style: I’m a seasoned professional with over twenty years in all facets of the home loan arena, but I’ve got the heart of a teacher. Since relocating my practice to Tehachapi in year 2000, my reputation for sound, strategic mortgage planning has allowed for over 85% of my business to come from referrals and repeat customers.

Don't leave decisions about your largest debt up to an operator at a call center – You deserve better and it’s easy to get started. Call Me and Let's Talk.

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I appreciate that you are a woman who is great in her field ... I feel very taken care of, heard, understood - and that's so important to me..

Michele L

I made a mistake last time and went to Ditech - I'm back to use you again, because you are here in town and took good care of me before..

Mike G

Tammy, you've been a great big help - yes, indeed! thank you for making things easier for this gumpy old guy :) best wishes in all things!..

Tom S.

Yay Tammy !! You are absolutely the best !! I love and adore you !!❤️thank you !!! We love it here !!!..

Deb Schroder

Thanks so much for the excellent service with Avenue J-4. It's obvious that you truly enjoy what you do! It's a good life :)..

Julianne Ramsey, REALTOR at
Keller Williams

It's been great working with you for the second time. Thanks a million..

Connie and Robert Bryant

We can't thank you enough for all you have done for us on our reverse mortgage. What we feared to be a daunting and confusing process was a piece of cake with you on it! You're terrific!..

Susan & Luigi Marzorati

Thank you for the amazing job you pulled off for us! We are enjoying our new home...

Matt and Gina Perkins

Thanks Tammy for your advice a few years ago. You've been helping a public servant out with making sound mortgage decisions free of charge during difficult financial times...

name withheld

Thank you so much for your help and attention. I am so impressed that you saved my information from the last time we talked--over a year ago! I really appreciate your time, and I know you're very busy. Thank you for making me feel significant after just that one phone call...



Getting pre-approved for your mortgage is the most important step before shopping for a home. When you choose to work with me, we have a phone conversation about what you want to do and how I can help you get there. In most cases we can run the actual loan pre-approval (not just a pre-qualification) during our first call. Learn More


Are you looking to lower your house payment? Do you want to take cash out to consolidate debt? Would a shorter loan term and paying less interest make sense for your family?Learn More


Reverse mortgage is a special loan type only available to homeowners over age 62. Depending on your equity, these loans can provide cash, a line of credit, or a monthly income stream – and you won’t make another house payment for as long as you live in your home. Learn More