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 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


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

Thank you for another smooth closing!!! You are fabulous!!!..

Terri Juergens

We have used Tammy and she is one of the smartest and classiest ladies around!..


You're the only one who has taken the time to talk me through what my finances will be like after the divorce - Thank you so much! I appreciate you...

Elizabeth W

If there is any lender I never have to question – it is you my dear, your stuff is always right on the money...

Cindy Irvin,
Chicago Title

You are Amazing and I am beyond grateful for you!! I always (now that I am older) listen to my MaMa so when she said to go with you that’s what we did. Tammy you made the whole transaction seem Iike a walk in the park and I will NEVER use anyone but you in the future!!..


And I was going to try and do this loan on-line ... What was I thinking?! You are really great with numbers, thank you...

Mark Hall

Thank you for being such a great mortgage broker!..

Stephanie Hearn

THANK YOU SO MUCH FOR DOING AN EXCELLENT JOB on getting our loan through for Kimi’s first home purchase on her own. You are just “THE BEST”!!..

Teresa Behnke


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