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

Tammy Engel

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 almost 30 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.

Common Questions


You did great for me 12 years ago, and I have never forgotten you!..

Lisa Murphy

Thank you, Miss Tammy - Love your work ethic...

Linda Clough, Realtor

Thank you so much, Tammy, for all that you have done for us. Angie and I are so grateful that you guided us through this with such efficiency and thoroughness. Thank you again. We could not be happier with the outstanding, confident service that you provided...


Thanks for all you did !!! You are wonderful !!..

Laureen and Todd

Thank you so much for being the voice of reason in our chaos!..

Mark and Tricia

You work harder than any other loan officer I've ever met...

Dave Knudsen, Wholesale Manager, Resource Lenders

If our next door neighbors drive us crazy we may be looking for another house here when we get back, and will surely use your professional services. Again, we appreciated what a great job you did on our mortgage. It was the best ever...


Thank you so much, you Rock!!! I had a great experience working with you and I appreciate your diligence. Keep in touch...

Bonny P

Best choice you can make when buying a home. Tammy made the entire process smooth and as low stress as possible. Honest, hardworking, and determined. Nothing can make up for knowledge and experience. From the bottom of hearts, thank you...

Johann Lockard

Thank you! You have gone above and beyond any mortgage broker I have ever worked with. I will absolutely pass your name on...

Marcie Venard


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