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Lender Partnerships

We only recommend lenders who meet our strict performance standards:

  • Fast communication

  • Proactive guidance

  • Proven track record

 

Our preferred lenders are not just order-takers. They’re collaborators, strategists, and problem-solvers.

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And our agent-lender partnership gives you a smoother, stronger experience:

  • Strategic from the Start: We align with your lender before the offer, so speed, pricing, and terms are locked in together.

  • Appraisal Game Plan: We collaborate before, during, and after the appraisal to help your value stick.

  • Underwriting, Simplified: Constant communication means no dropped balls—we anticipate issues and solve them as a team.

  • Unified Updates: You’ll never feel caught in the middle—we deliver consistent, clear updates from both sides, weekday or weekend.

Ernesto Miranda

BMO - NMLS #668609

Ernesto Miranda is a seasoned mortgage specialist with over 18 years in the mortgage and financial services industry, currently serving clients at BMO Financial Group. He’s guided countless customers through buying, refinancing, and transferring mortgages—emphasizing responsiveness, education, and competitive financing solutions tailored to local market dynamics. BMO is widely recognized for offering highly competitive jumbo loan rates, often outperforming traditional big banks and national lenders, making it a strong option for Bay Area buyers in the $2M+ range.

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Kerry Worden

C2 Financial- NMLS #338486

Kerry Worden stands out as an exceptional lender and investment strategist thanks to his rare combination of deep mortgage expertise, retirement planning knowledge, and over three decades of hands-on real estate experience. As both a Certified Reverse Mortgage Professional (CRMP) and Registered Social Security Analyst (RSSA), Kerry brings a holistic approach to client wealth—helping homeowners not just buy or refinance, but also use their real estate to create sustainable retirement income. Whether it's structuring a jumbo loan, navigating a reverse mortgage, or optimizing the timing of Social Security benefits, Kerry’s strategic mindset, sharp communication, and integrity make him a trusted advisor for both traditional buyers and long-term investors alike.

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How We and Your Lender Stay Aligned

We don’t just hand off your file and cross our fingers. We stay actively involved with your lender every step of the way to ensure timelines stay on track and surprises are minimized.

  • We track key milestones: loan approval, appraisal, underwriting, and funding.

  • We meet regularly with lenders for real-time updates and accountability.

  • If there’s a hiccup, we’re not afraid to escalate and find solutions fast.

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Recent Win: One of our buyers was blindsided when their original lender stalled before closing. We immediately brought in one of our trusted lenders—who restructured the loan and funded the deal in just 21 days. Deal saved, stress avoided.​

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