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.

Common Questions


I have to say again that you're the most professional person I've dealt with in a long time. I really get the feeling you are trying to help me and not pushing to sell something. Thank you for your time, efforts, and information...

Hilda Knight

Thank you for your help and guidance throughout this process, you are the ultimate professional and expert!!..

Steve F

Nobody ever gives me the communication that Tammy does - you've spoiled me!..

Josh Orrantia, REALTOR

I've never worked with someone like you before when buying houses ... it makes me wonder how many times before I was swindled or made a bad decision - Thank you for walking us through everything...

Steve K

You are by far the sharpest person I've talked to in the 15 years I've lived in Tehachapi – Thank you for your help..

Bob C

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


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