Client Testimonials

I'm honored to get to work with so many fantastic people and even more touched by what they have to share about their experience with me. Please take a moment to view their feedback if considering to use me for your home loan needs.

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.


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

Mark and Tricia

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

Laureen and Todd

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

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

Thank you for being such a great mortgage broker!

Stephanie Hearn

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!!


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

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

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

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

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

Dr. Steve

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

Howard K

You're the only one getting things done!

Realtor D

Thank you for always being so efficient!

Yolanda Acevedo

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

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

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

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

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

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

Tony & Shae King

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

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 truly working with a friend.   Thanks again.

Jay & Alanna Karaba

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

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 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.


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

Matt and Gina Perkins

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

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

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

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 Lending Integrity Seal of Approval.

Susie George, Certified Escrow Officer

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

Loretta Garman

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

Eryn P. Cook, REALTOR

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

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

Mary Bepristis

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

Steve and Liz Doubleday

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

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

Maggie Schick, RE/MAX Realtor

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

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

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

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

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

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 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

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

Ruth Peck

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

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!


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

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

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

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

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

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

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

Ramon and Doris Gorospe

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.


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

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

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

Tim Garrison

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

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

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

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 that is actually useful in any given circumstance. I believe your time with us was of immeasurable value. You are appreciated.

Dr Marvin Sliter

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

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

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

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

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

Kay and Tom Bowers

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

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

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

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 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 expertise. Sincerely,

Mr. and Mrs. E. Halpin

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

Seller, C.A. Young, Esq.

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

Karen & Thurston Conger

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

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

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

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

Darrell Roberts,
VA Appraiser

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 going above and beyond!

Paul and Sondra Montgomery

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

Craig Dargatz

Thank you for all of your great service!

Melinda Hopper-Benzie, Coldwell Banker Best Realty

Tammy, You Are Marvelous!

Edith Gibson, Watson-Touchstone Realty

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

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

Perry Jacobson and Kristine Kosak

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

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

You are the sharpest tool in the drawer.

Layne Sellers, Client Relationship Manager

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.

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

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

Everything went just fine. You're excellent!

Tom Kinsel

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

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

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

Ray Galvez, ReMax Gold Coast Realtors

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 have to let them know.

Ryan Valencia, Mariners Escrow Corp

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

Michael Boutte, Re/Max Tehachapi, Inc.

Thank you for your help and always: EFFICIENCY.

Solveig Thompson, Bear Valley Springs Realty

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

Micheline McCracken

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

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

Jenni Williams, Federal Escrow, Inc.

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

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

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

Your transactions are always so clean.

Lynn Mazie, Escrow Assistant, First American Title

You guys are the BOMB!!!

Connie Porter, Steward Title

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

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 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

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

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

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

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

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

Thanks for your efficient work on our transaction!

Bobbi Rossi,
Coldwell Banker Best Realty

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

Our thanks for all your help and hard work.

Dan and Jeanne Gray

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

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 enjoying our new home because of your help. Your friends,

Rhonda Voda and family

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 origination fees and other costs. It is entirely possible that I will regret this decision. As it is commonly said, nothing is ever free and nothing is ever as is seems... Everyone we have talked to highly recommends you for your knowledge, professionalism, service, and the fact that you deliver on what you say. If we weren't working with a preferred-lender through my employer, there would be no question that we would come to you. I hope you understand. Thanks again.

privacy requested

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

Jim Tracy

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

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 date on what's going on. 

Mark Bash

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

Danny H.

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

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

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

Dwain Mullette, Coldwell Banker Best Realty

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, 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 so much for your help! We both appreciated your professional service!

Cathy and David Quintana

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

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

Larry Barrett, Coldwell Banker Best Realty

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

Don and Marilyn Bailey

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

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.