Providing Sound, Strategic Financing Solutions Statewide Since 1990.

Meet Tammy Engel, Recognized by Goldline Research as one of the "Ten Most Dependable Mortgage Brokers in Southern California." Learn More

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Tehachapi's ONLY Certified Mortgage Planning Specialist.

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What Does It All Mean?

Did you know that there is a big difference between a licensed mortgage loan originator and a registered loan officer at a bank?
Licensed Mortgage Loan Originator (Tammy Engel, Mortgage Advisor)

  • Attended 20 hours in mortgage and finance training courses
  • Passed National Licensing Test with a 93% score
  • Passed State Licensing Test with a 92% score
  • Passed Criminal Background check
  • Was fingerprinted and approved by the Dept of Justice
  • Submitted to an annual personal credit report check
  • Is listed on a national website for consumers to check status

Registered Mortgage Loan Originator (bank employee)

  •  Have a routine bank background check
  • Are listed on a national website for consumers to check status 

Please check out my credentials by entering my license number 235051 at . If you have talked with other lenders please ask for their license number and check them out as well. And if they are not listed? Well…That's something you need to know!

"Mortgage Matters"

For over a billion years, I have typed and typed and typed to create the world's most comprehensive library of articles all regarding the complicated life of a Mortgage Advisor, her struggles with her Marketing Guru and love for great shoes. Read them each issue in The Loop Newspaper or here online Learn More >

Subtitle For 3 Col.

For many years I have held membership with our industry's most venerable trade associations:  

  • National Association of Mortgage Brokers
  • California Association of Mortgage Professionals
  • National Association of Professional Mortgage Women
  • National Notary Association.  

My license is monitored by the California Department of Real Estate, and must be renewed every four years by meeting educational requirements and passing related exams.

Subtitle For 3 Col.

Keeping up-to-date as the industry evolves is critical.  To that end, continuing education is something I value highly.  At least twice a month I attend seminars to update my financial knowledge and mortgage loan guidelines.


Thank you for doing your usual thorough and professional job. You're always first rate and I look forward to doing more work with you. You made this an easy transaction...

Al Crisalli, Jr.

Thanks again for taking the time to talk to us this afternoon. Numbers are pretty much a foreign language to me, and you explained everything so well...

Alisha Rush

Thank you so much for being part of us since the beginning! :)..

Alysia Bailey,
Production Manager and Editor of The Loop, East Kern's Community News & Entertainment Guide

Thanks so much for helping us. I sincerely appreciate it. You've been a breath of fresh air and are obviously a great loan officer, much like what I wish we would have ended up with. I will keep your information and make sure I refer anyone I can to you if they plan to buy in the area...

Amy Spinelli

Thank you for being so good at what you do, and making our refi as painless as we could imagine. You are a professional and we are very grateful...

Andy and Melodie Ohmit

Both of us would like to thank you for the outstanding service and execution of our loan and closing - very professional...

Art and Peggy Luciani

You have to be one of the hardest working people I know! It was an amazing feat pulling off the refinance of our home. You need to know how much my husband and I appreciate your dedication and hard work. Thank you so much for such a problem-free transaction...

Beth and Jerry Barnes

Thanks for everything you do and just who you are. It is very refreshing to get to work with someone with the mindset you have, truly a pleasure :)...

Beth Hall,
Bear Valley Springs Realty

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

Thanks for your efficient work on our transaction!..

Bobbi Rossi,
Coldwell Banker Best Realty

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

Bonny P

You're awesome and I appreciate you as a lender - Your communication is fabulous and you always do what you say you're going to do!..

Britney Embree-Carrington, REALTOR

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...


Hello Tammy, I just wanted to tell you that your communication with me, updating me on the buyer's loan, was the best I have had with a lender. I really appreciated the emails and phone calls. Thanks again...

Carol Chase,
Coldwell Banker Best Realty

Tammy, thank you so much for your help! We both appreciated your professional service!..

Cathy and David Quintana

Thank you for working so hard to allow me a much brighter financial future. I do appreciate what you've done for me...

Cindy Buchwitz

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

Thank you, once again, for being your consummate professional self, as always, and for always being on top of your game. I hope everyone else appreciates you as much as I do and will refer you to everyone they know when they need a home loan or refinance. I look forward to working with you again soon...

CJ Johnson, Broker Associate

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


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

Connie and Robert Bryant

Hi Tammy. Thank you so much for taking such good care of my clients. I will continue to recommend you as my "preferred" lender. Thanks again for your professionalism...

Connie Peacon,
Country Real Estate

You guys are the BOMB!!!..

Connie Porter, Steward Title

Thanks for your quick, professional, attention to this important matter - much appreciated!..

Craig Dargatz

Thanks so very, very much for your advice today... As I said, you need to "take your show on the road:" Hold classes, put out a glossy newsletter, set up a terrific web site, etc. You are the best! (And you can quote me on that!)..

Craig Luther

Our thanks for all your help and hard work...

Dan and Jeanne Gray

Really do appreciate how you go well beyond the call of duty… Many Thanks..

Danny H.

Enjoyed doing business with you and hope to do it again. You really know your stuff...

Darrell Roberts,
VA Appraiser

I felt like you were the only person who was really on my side - you give it to me real - that's why we love you!..

Darren & Kim

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

Dave Knudsen, Wholesale Manager, Resource Lenders

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

Deb Schroder

A quick note to thank you again for your assistance in purchasing our home. We found the experience informative and professional and look forward to working with you again!..

Debbie and Bill

Tammy, Theresa and I were so impressed with you and Stacey Christy that I'm sure you will be seeing more of us. You two will be the first we recommend for anyone buying a house in the area!..

Derrell and Theresa Willson

Tammy, Thank you once again for such a professional job! I never worry when working with your expertise...

Don and Marilyn Bailey

Your presentation at our special "Honoring Our Seniors" event was excellent! Thank you! Having advisors with your level of proficiency in our own community is certainly reassuring. You have a gift for being able to sort through the surplus of information available relating to finances and presenting that small increment..

Dr Marvin Sliter

Thank you so much for all your work to explore all those creative options and look at what is possible!..

Dr. Steve

Tammy: Thank you very much for your work with Mr Gregory - Nice work!..

Dwain Mullette, Coldwell Banker Best Realty

Tammy, You Are Marvelous!..

Edith Gibson, Watson-Touchstone Realty

Thank you again for your fast efficient service. I look forward to sending more business to you. What an easy transaction!..

Eileen Bandy, Country Real Estate

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

Just to let you know, the money appeared in our account as you advertised. My bills are now all paid off and looking at my budget, I can afford to pay off my mortgage and still have money left over every month to pay for my kids' college education. Thanks!..

Eric Hansen

Thank you Tammy for your diligence in getting this deal closed. Appreciated!!!..

Eryn P. Cook, REALTOR

We sat down with another lender in town and your phone call alone was way more informative than what we heard from them in person. Thank you for telling us the extra info about credit scores!..

Eustace and Taylor

It's like night and day going with you as opposed to someone we'd never see or meet - we knew you would get us the best deal!..

Gene and Terri

Thank you so very much for all the time you spent with us. We appreciate all the advice and direction you gave us at such a trying time. Best wishes,..

George and Bebe McClelland

A world of thanks! Tammy, our family appreciated all the hard work you put into our loan. Thank you so much...

George and Bernice Garza

Wow! As usual, AWESOME job!! You are my so "get the job done", go to girl cause I know you won't blow smoke at anyone. You tell it like it is. :-) That's why I love all my people working with you. Thank you so much for a job well done! It is GREATLY appreciated!!..

Gloria Sitler

Woo-hoo!!!! Yeah!! Tammy brought it in in 30 days! She more than proved herself! This was the smoothest escrow I've had in a long time, thanks to ALL involved. GOOD JOB!!!!!!!!!!!!!!!!!!!!!!!!! Thank you!!!..

Gloria Sitler, Country Real Estate

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

You've provided a lot of information in a very short time – much appreciated!..

Howard K

Tammy, thank you again for all your hard work and dedication in helping me buy my first home. You are very knowledgeable and take pride in your profession. It was a pleasure working with you! Thank you!..

Ivan Castaneda

We trust you because when we went to you, you gave us cause and effect of all the different things we could do. not everyone would take the time to do that for us. We appreciate you...

Jack and Brenda

Being that it was our first time buying a house, needless to say... we were like "deer in headlights!" Tammy, thank you for being there to guide us through it! We appreciate you answering all our questions and just how you handled the whole process. You made it easier than we ever thought it would be! It was like ..

Jay & Alanna Karaba

I am really impressed with how you did that loan. Tammy was awesome. I will use her to do any lending I have in Tehachapi...

Jeff Jackson, Coldwell Banker Bakersfield

Thanks for all of your help. I have really enjoyed working with you...

Jenni Williams, Federal Escrow, Inc.

Thank you for your kindness, professionalism, and patience. This was our third time financing our home and there is no comparison. You were wonderful to deal with! We will always keep you in mind for referrals or any other future opportunities to refinance. All the best to you!..

Jennifer and Matt Sheridan

My husband and I want to thank you for all your help! You made everything so easy and we appreciate it. It was absolutely hassle-free for us...

Jerrise and Dennis Perreault

Thanx Tamster, U Da Best inda West ;~)))..

Jim Tracy

Why didn't the banks tell me all that! You are way nicer, and way more informative, than everyone else I have talked to about buying our first home...

Joe Rush

Yeah Tammy you're awesome and have been so nice to work with. You've made all of this so much easier to understand and follow and the process with you is just so smooth. Thank you so much for everything...

Joe Rush

It's been a pleasure working with the best. This has been the easiest home purchase transaction by far that I've ever experienced...

Joe, Nora and Amanda Bishop

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

Thanks for all of your hard work and professionalism. We have a great new home thanks, in large part, to your efforts. We will recommend you to friends and neighbors!..

Jon and Tina Denning

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

Josh Orrantia, REALTOR

Tammy, Thank you for going above and beyond. I'm most appreciative (and amazed) at how graciously you navigate through the red tape of financial institutions. Blessings,..

Judith Sanford

You have my appreciation for all the assistance you provided while I was muddling through financial options. I love Bear Valley Springs. It's so good to be here!..


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

Just to thank you for your excellent service. We truly appreciate your attention to detail, efficiency, and professionalism. Thank you!..

Karen & Thurston Conger

Just wanted to let you know I enjoyed working with you. It is a real pleasure to do business with someone that is so knowledgeable and professional. I know it was a short time frame yet you made it happen! Regards,..

Kathryn and Steve Ferris

Thanks so much for your help. You did an outstanding job, as always...

Kay and Tom Bowers

Thanks so much for taking care of our refinance, dealing with our doc signing in Las Vegas, handling incorrectly dated documents, etc. We really appreciate you...

Keith and Mary Melvill

Tammy, I did receive your last voice mail confirming funding and welcoming us to Tehachapi. We spent the night last night and absolutely love the area and our new purchase. Thank you very much for helping us make it. You were professional and diligent through the entire process. Hope to see you around town! Best regards..

Keith Waara & April Moon

This whole experience has been so easy for my daughter's friend. No stress at all. You were a really great team of professionals ... Thank you...

Keleigh Nava, Chicago Title

I wanted to tell you how much I appreciate your help. You really know your numbers. I feel very confident having you guide us. I enjoyed your sense of humor the other day, it was a breath of fresh air. Everyone seems to be so serious these days with the economy we are facing...

Kelly Arbaut

Just wanted to say thank you for the wonderful service that we experienced with you. Everything was so smooth and stress free!..

Kevin and Lori Phillips

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!!..


Holly and I really do appreciate the effort you put forward. What you got done in a small amount of time was absoultely unbelievable!..

Kip Temple

A very big thank you for the great job you did on our loan. It was a pleasure to be on the receiving end of the efficient service I had assumed that my clients were enjoying...

Kitty and Rod Bower

Tammy, Thank you for your hard work and dedication in re-financing our home loan. We have and will recommend you because you're the best! Looking forward to seeing you at the loan doc signing. Two of your biggest fans!..

Kurt & Michael

Just wanted to say thanks for everything. You made the whole process so easy for us for the second time. You are #1 in our book!..

Larry and Symantha Christy

Thank you for all your professional support. Much appreciated! See you on the next one...

Larry Barrett, Coldwell Banker Best Realty

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

Laureen and Todd

You are the sharpest tool in the drawer...

Layne Sellers, Client Relationship Manager

Thanks Tammy, you are by far the best Loan person we have dealt with. Thanks for all your work and going the "extra mile."..

Lee Foster

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

Linda Clough, Realtor

Tammy is our best lender. She's always been our best lender!..

Linda Costelloe-Clough, Broker/Owner of Town and Country Real Estate

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

Lisa Murphy

Don't screw up like I did and try an internet lender, just talk to Tammy first!..

Loretta Garman

Your transactions are always so clean...

Lynn Mazie, Escrow Assistant, First American Title

Just say ACE!! You absolutely ROCK!!! Thanks, Maggie...

Maggie Schick, RE/MAX Realtor

There once was a lender named Tammy...Whose expertise was way beyond dandy! She closed loans right and left - at always her best!..

Marcie Knittel

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

Mark and Tricia

I have been meaning to tell you you are probably the coolest loan person I have ever worked with. I'm not just saying this cause your helping me get a loan I really mean it. I want to thank you for having such a can do personality; it really makes it a pleasure to work with you. ...Thank you for always keeping me up to ..

Mark Bash

I was also teamed up with Tammy Engel from Tehachapi for my Mortgage and she was stellar as well. These 2 (Realtor Rosa Sailors) people are all that you need to get you through the emotions of buying a home. Thanks to you both. You made it so easy when emotions were high...

Mark Garrity

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

You are one of very few educated people in Tehachapi that offer sage advice - thank you for being my mortgage broker long after I left Tehachapi!..

Mark L

Hi Tammy! Once again we find it Christmas ... Seems like you & I have seen a few New Years, too, and it's amazing the changes that have happened! I appreciate you Tammy! You're one of the best LOs in the industry and I know "you work hard for the money". Thank you for making my job enjoyable, giant hug!..

Mary Avila, Underwriter at Resource Lenders

You've told us more in 10 minutes than the other guy we were working with has in a month - thank you!..

Mary Bepristis

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

Matt and Gina Perkins

Thank you for ensuring we got a loan so quickly! It was an emergency situation and you came through for us. Plus, I was not feeling my best and your calm, kind voice was reassuring. Thank you...

Megan McCluer and Mike Heffner

Thank you for all of your great service!..

Melinda Hopper-Benzie, Coldwell Banker Best Realty

Thank you for a marvelous job. We really appreciate all of your hard work, time, knowledge and expertise. You're one of a kind!..

Michael and Agatha Benoit

Hi Tammy: Job well done. Thank you, Thank you, Thank you...

Michael Boutte, Re/Max Tehachapi, Inc.

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

You're always so willing to help. Thank you...

Micheline McCracken

Thank you for taking such good care of us. You have honestly ben the only person who seems to truly care about us. We understand how busy you are and appreciate the extra steps you have taken for us...

Mike and Michele Minton

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

Thank you for the attention you gave to the analysis of our mortgage plan. The point of data from the national Bureau of Economic Research, as well as the chart showing the Prime Rate for the past ten years, was informative and helpful in making our decision. I appreciate the education that you always provide with you e..

Mr. and Mrs. E. Halpin

I have never dealt with someone who has more insight and wisdom than you do about housing. We can't thank you enough for how you have helped us...

Mrs. Terry Christensen

As an educator, I so appreciate your giving me all the data to make our decision, and for making it clear that we're okay with our current loan...

N Franklin

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

Thanks so much for the very helpful advice. I really appreciate the clear way you have explained things! I certainly will tell others about your excellent service to me...

Nancy Crawford

I used to be a CEO of a financial institution and was extremely impressed with your knowledge and approach. I commented to Connie that I wished I had you on my Mortgage team last year when we were booking $60 - 100M a month. I am also a Certified Mortgage Banker and very much enjoyed our chat...

Pam Easley

Thank you for going above and beyond!..

Paul and Sondra Montgomery

Hi Tammy, your assistance was a great help, as usual! We thank you very much!..

Perry Jacobson and Kristine Kosak

Hi Tammy, We appreciate all that you have done to try to help us with this home financing decision. We have decided to go with another lender. We are going to save quite a bit of cash at closing due to direct-pay reimbursements, and since the lender is working through our relocation company we get a break on the origina..

privacy requested

Your patience, friendliness and timeliness have made our first home buying experience an actually pleasant one. Our sincere thanks...

Ramon and Doris Gorospe

Great job! I appreciate how well you kept me updated...

Ray Galvez, ReMax Gold Coast Realtors

You're the only one getting things done!..

Realtor D

Thanks for your amazing communication. One of the many things I love about you is that you include the other agent too. I hate being the “other agent” and being the last to know anything..

Realtor RG

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...


Tammy, I cannot thank you enough for all you have done for my family. Taking countless phone calls and inquiries evon on the weekend. I think it is so awesome to start out as a client and end up a friend! We are excited to celebrate Christmas in our new home, and many more to come. Just like little bunny princess we are..

Rhonda Voda and family

Thanks so much for the research you did regarding the sale of our home, reverse mortgage, and refinancing. You made our decision-making much easier...

Richard and Mitzi Chandler

Judy and I would like to work with you again. Please send us some business cards so we can get your name out there. Thanks for all the hard work. We both feel we can refer you with confidence...

Robert DeLoach,
Jennings Realty

Tammy, if anyone needs a referral for a lender, I will gladly send them to you! What a pleasure to work with someone that is as professional as you. Thanks!..

Robert G Silverman, President/Broker, Magno Realty Group, Inc.

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...


It was a pleasure to meet you and work with you yesterday. Your performance and style left us feeling extremely comfortable and confident with your service. Your knowledge takes a lot of pressure off us. I think I finally caught with everything you said about 9:20 yesterday evening ;-)..

Ron Hyrchuk

Hi Tammy. Thanks so much for helping me get my dream home! I really appreciate all your hard work and the tons of paperwork you had to go through to make this deal happen. Best wishes & lots of happiness...

Rona MacKay

Thanks Tammy. I am definitely going to send my buyers to you for pre-qualification. It was a real pleasure working with you. I never had to wonder how things were moving along and that is a plus for me...

Rosa Sailors, AV Capital Realty

Thanks so much for all of your help with my reverse mortgage. I made a good choice in choosing your office...

Ruth Peck

It's been nice working with you on this transaction, it's pretty rare that you work with a mortgage broker that's actually on top of their stuff these days :). Most mortgage brokers I deal with on a daily basis are morons and have no idea what their doing. So when I get a chance to work with one that does, I definitely ..

Ryan Valencia, Mariners Escrow Corp

Thanks for your hard work. This was the easiest and escrow I've ever been through...

Seller, C.A. Young, Esq.

I like the way you work! I never had to guess what was going on. Looking forward to sending my clients to you...

Sherri Trone, Coldwell Banker Preferred Realtors

Thank you for your help and always: EFFICIENCY...

Solveig Thompson, Bear Valley Springs Realty

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

Stephanie Hearn

I really appreciate your help. You gave me more usable information in 15 minutes than the other lenders I worked with ever did! Having actual numbers I can use to make decisions about how much we really want to we spend (and to set up our budget accordingly) is invaluable...

Stephenie Ellis

Thank you, Tammy, for a job well done! Things went just as you said they would, and you kept me well informed. Who? Who, I ask, could have asked for more...


In our book, you're the best mortgage professional anywhere...

Steve and Liz Doubleday

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

Steve F

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

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

Thanks for all your help during my home-buying experience. Your professionalism and expertise helped keep my anxiety in check. And now I own my sweet, little home...

Susan Bilow

I have to tell you what a pleasure it is to work with someone with your high level of professionalism and courtesy. After 35 years in this business, I have been very disappointed lately at the lack of teamwork, and how unbelievably rudely I am treated on a daily basis. It is very clear why you have received the Lendin..

Susie George, Certified Escrow Officer

Thank you for all your work! You are the best person to do business with and the most professional person we know...

Tammy and Duane Gore

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

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

Terri Juergens

Thank you for all your wonderful phone calls and perfect explanations. We could not have asked for a better person to work with...

The Bantilan Family

I closed my first escrow as a Realtor today thanks to you! I truly appreciate how beautifully you do your job...

Tim Garrison

Everything went just fine. You're excellent!..

Tom Kinsel

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.

You're always right on top of exactly what we need - that's why we keep calling you!..

Tony & Shae King

As we settle into our new home, we want to thank you for making our transition from selling a house to buying one so smooth. Your professional manner always made us feel confident that everything was going to fall into place, and it did. Thanks for making that happen...

Valerie and Randy Schultz

Just a note to say thanks and tell you how much we appreciated all you did to make our move to Tehachapi so easy. We will be forever grateful...

Vi and Arnold Haile

Just wanted you to know how much we appreciate everything you've done. It really meant a lot. Thank you so much for all of your help! We know everything is done right with you handling it!..

Vi and Arnold Haile

Thank you for always being so efficient!..

Yolanda Acevedo