Routing # 321076470

Find a Home Loan Consultant

Our Home Loan Consultants are here to help you find the right mortgage solution. Explore the right options for you below.

There for you from start to finish

Need a little guidance finding the right home loan solution? Our Home Loan Consultants are experts in all aspects of mortgage financing and ready to help you purchase a home, refinance an existing loan or tap into your home’s equity. Schedule a complimentary consultation at your convenience.

Albert Vong

Home Loan Consultant

As a 15-year veteran in real estate, Albert has the expertise and creativity to guide you to the mortgage that best suits your needs.

Born and raised in San Francisco, Albert’s knowledge of the complex Bay Area housing market has guided hundreds of buyers through the complex loan process.

Whether you are purchasing a new home or refinancing your existing loan, Albert will review your individual financial position and offer solutions that work for you – helping you understand all your options, not just the interest rate.

Service Area:

Alameda County, San Francisco County

Contact Info:

avong@kujira-oasis.com

Phone:415.816.5835 415.816.5835

Fax: 925.847.1914

3 Park Place, Dublin, CA 94568

NMLS ID: 236462

kujira-oasis.com/avong

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As a 15-year veteran in real estate, Albert has the expertise and creativity to guide you to the mortgage that best suits your needs.

Born and raised in San Francisco, Albert’s knowledge of the complex Bay Area housing market has guided hundreds of buyers through the complex loan process.

Whether you are purchasing a new home or refinancing your existing loan, Albert will review your individual financial position and offer solutions that work for you – helping you understand all your options, not just the interest rate.

Andy Hitesman

Home Loan Consultant

A mortgage is one of the most important financial choices you will ever make. As a Home Loan Consultant at Patelco, Andy is here to help you make the best decision – whether you are looking to refinance your first mortgage or use the equity in your home with a second mortgage. Andy is ready to create the right mortgage solution for your unique needs, and will be your reliable guide throughout the loan process, working to make each step simple and efficient.

Service Area:

California

Contact Info:

ahitesman@kujira-oasis.com

Phone:925.598.3846 925.598.3846

Fax: 925.847.1921

3 Park Place, Dublin, CA 94568

NMLS ID: 1420273

Request an Appointment

A mortgage is one of the most important financial choices you will ever make. As a Home Loan Consultant at Patelco, Andy is here to help you make the best decision – whether you are looking to refinance your first mortgage or use the equity in your home with a second mortgage. Andy is ready to create the right mortgage solution for your unique needs, and will be your reliable guide throughout the loan process, working to make each step simple and efficient.

Arlene Piazza

Home Loan Consultant

I am an established mortgage professional with more than 35 years of experience in the financial industry. As your Patelco Home Loan Consultant, I am committed to guiding you through the home loan process with transparent communication. My role is to ensure you fully understand your financing options and the current industry trends relevant to you. I will manage the loan process, provide the support and information you need, and close your loan smoothly and quickly. I am here to answer your questions and find solutions to help you reach your home financing goals. I specialize in financing 1–4-unit residential properties for first time homebuyers and seasoned homeowners, with a distinct knowledge of analyzing RSU income. I value the relationships I have built with Patelco members and continue to dedicate myself to creating long-term relationships, referrals, and repeat business.

Service Area:

California

Contact Info:

arlene.piazza@kujira-oasis.com

Phone:408.832.9897408.832.9897

Fax: 925.227.6392

3 Park Place, Dublin, CA 94568

NMLS ID: 552101

kujira-oasis.com/apiazza

Request an Appointment

I am an established mortgage professional with more than 35 years of experience in the financial industry. As your Patelco Home Loan Consultant, I am committed to guiding you through the home loan process with transparent communication. My role is to ensure you fully understand your financing options and the current industry trends relevant to you. I will manage the loan process, provide the support and information you need, and close your loan smoothly and quickly. I am here to answer your questions and find solutions to help you reach your home financing goals. I specialize in financing 1–4-unit residential properties for first time homebuyers and seasoned homeowners, with a distinct knowledge of analyzing RSU income. I value the relationships I have built with Patelco members and continue to dedicate myself to creating long-term relationships, referrals, and repeat business.

Art Heredia

Home Loan Consultant

With 25 years of home loan experience, Art remains dedicated to helping you achieve your goals – not just finish your loan transaction. Maintaining integrity and building relationships are the core of Art’s work, and he can help customize a home loan financing solution just for you.

Service Area:

California

Contact Info:

aheredia@kujira-oasis.com

Phone:925.468.6307925.468.6307

Fax: 925.847.1932

3 Park Place, Dublin, CA 94568

NMLS ID: 552076

Request an Appointment

With 25 years of home loan experience, Art remains dedicated to helping you achieve your goals – not just finish your loan transaction. Maintaining integrity and building relationships are the core of Art’s work, and he can help customize a home loan financing solution just for you.

Bobby Nicoles

Home Loan Consultant

Whether it’s buying your first home, refinancing to lower your payment or tapping your equity for renovations, securing a mortgage can be an incredibly stressful and emotional process – but it doesn’t need to be. Bobby takes a holistic approach to mortgages, considering your unique circumstance, lifestyle and financial objectives to match you with the product best suited to you. With more than a decade of financial experience, Bobby is familiar with every phase of the mortgage process — from origination to fulfillment to underwriting. With a degree from the Marshall School of Business at the University of Southern California, Bobby regularly calls on his business background to decipher even the most complex personal economics. This positions him to deliver great results for members with custom-tailored home loan solutions and excellent service.

Service Area:

California

Contact Info:

bnicoles@kujira-oasis.com

Phone:925.515.9206925.515.9206

Fax: 925.227.6385

3 Park Place, Dublin, CA 94568

NMLS ID: 893884

kujira-oasis.com/bnicoles

Request an Appointment

Whether it’s buying your first home, refinancing to lower your payment or tapping your equity for renovations, securing a mortgage can be an incredibly stressful and emotional process – but it doesn’t need to be. Bobby takes a holistic approach to mortgages, considering your unique circumstance, lifestyle and financial objectives to match you with the product best suited to you. With more than a decade of financial experience, Bobby is familiar with every phase of the mortgage process — from origination to fulfillment to underwriting. With a degree from the Marshall School of Business at the University of Southern California, Bobby regularly calls on his business background to decipher even the most complex personal economics. This positions him to deliver great results for members with custom-tailored home loan solutions and excellent service.

Brandon Blalock

Home Loan Consultant

Brandon has 11 years of experience in the financial service industry. He sees mortgages as a unique way to build relationships through helping members achieve their home financing goals. Brandon’s hands-on approach enables him to tailor a home financing solution to match your specific needs. Many loan officers can help you get a loan – Brandon’s mission is to make sure you get the right one.

Service Area:

Alameda County, Contra Costa County

Contact Info:

bblalock@kujira-oasis.com

Phone:925.878.2680925.878.2680

Fax: 925.847.1957

3 Park Place, Dublin, CA 94568

NMLS ID: 862765

kujira-oasis.com/bblalock

Request an Appointment

Brandon has 11 years of experience in the financial service industry. He sees mortgages as a unique way to build relationships through helping members achieve their home financing goals. Brandon’s hands-on approach enables him to tailor a home financing solution to match your specific needs. Many loan officers can help you get a loan – Brandon’s mission is to make sure you get the right one.

Catherine Pham

Home Loan Consultant

With nearly 20 years working in the mortgage industry, Catherine is dedicated to helping you achieve your home financing goals, one step at a time. She enjoys sharing her experience and knowledge to help each individual with one of the biggest financial investments of their life. She is fluent in Vietnamese, loves travelling to new places and spending time at the beach.

Service Area:

California

Contact Info:

catherine.pham@kujira-oasis.com

Phone:408.757.5868408.757.5868

3 Park Place, Dublin, CA 94568

NMLS ID: 836554

kujira-oasis.com/cpham

Request an Appointment

With nearly 20 years working in the mortgage industry, Catherine is dedicated to helping you achieve your home financing goals, one step at a time. She enjoys sharing her experience and knowledge to help each individual with one of the biggest financial investments of their life. She is fluent in Vietnamese, loves travelling to new places and spending time at the beach.

Cecilia Diaz

Home Loan Consultant

Cecilia’s passion and attention to detail have been her formula as a Home Loan Consultant for more than 15 years.

Helping members improve their financial lives through home loans is the motivation that fuels Cecilia.

From your initial conversation with her until the closing, Cecilia will update and support you.

Service Area:

San Mateo County

Contact Info:

cdiaz@kujira-oasis.com

Phone:650.580.0793650.580.0793

Fax: 925.847.1906

3 Park Place, Dublin, CA 94568

NMLS ID: 552064

kujira-oasis.com/cdiaz

Request an Appointment

Cecilia’s passion and attention to detail have been her formula as a Home Loan Consultant for more than 15 years.

Helping members improve their financial lives through home loans is the motivation that fuels Cecilia.

From your initial conversation with her until the closing, Cecilia will update and support you.

Derek Lowe

Home Loan Consultant

Derek started his career at Patelco in 2013 at the Castro Valley branch and then transitioned into mortgage lending. Working with many people during their home buying journey, Derek takes pride in listening to your individual needs and helping you with energy, passion, and engagement. As your advocate in the home buying process, he will make your experience with Patelco memorable.

Service Area:

California

Contact Info:

dlowe@kujira-oasis.com

Phone:925.847.3604925.847.3604

Fax: 925.847.1956

3 Park Place, Dublin, CA 94568

NMLS ID: 1367131

Request an Appointment

Derek started his career at Patelco in 2013 at the Castro Valley branch and then transitioned into mortgage lending. Working with many people during their home buying journey, Derek takes pride in listening to your individual needs and helping you with energy, passion, and engagement. As your advocate in the home buying process, he will make your experience with Patelco memorable.

Erica Badger

Home Loan Consultant

With over 15 years of experience in the mortgage industry, Erica has the expertise to deliver outstanding service and advice. A mortgage is one of the most important financial choices you will ever make, and Erica wants to provide you with an educational and informative experience. She has a passion for helping others achieve their goals, and there is nothing more rewarding than assisting a member in buying or refinancing a home.

Service Area:

California

Contact Info:

ebadger@kujira-oasis.com

Phone:925.548.5244925.548.5244

Fax: 925.847.1956

3 Park Place, Dublin, CA 94568

NMLS ID: 1123078

kujira-oasis.com/ebadger

Request an Appointment

With over 15 years of experience in the mortgage industry, Erica has the expertise to deliver outstanding service and advice. A mortgage is one of the most important financial choices you will ever make, and Erica wants to provide you with an educational and informative experience. She has a passion for helping others achieve their goals, and there is nothing more rewarding than assisting a member in buying or refinancing a home.

Fred Williams

Home Loan Consultant

Trust and communication are the qualities most important to Fred as a Home Loan Consultant. When working with Fred, you can count on getting the home loan that best fits your financial position. Fred knows Patelco has done a good job when a member makes a financial decision that’s in their best interest.

Service Area:

Contra Costa County

Contact Info:

fwilliams@kujira-oasis.com

Phone:925.858.1544925.858.1544

Fax: 925.847.1975

3 Park Place, Dublin, CA 94568

NMLS ID: 247872

kujira-oasis.com/fwilliams

Request an Appointment

Trust and communication are the qualities most important to Fred as a Home Loan Consultant. When working with Fred, you can count on getting the home loan that best fits your financial position. Fred knows Patelco has done a good job when a member makes a financial decision that’s in their best interest.

Gegham Knyazyan

Home Loan Consultant

Gegham brings nearly two decades of experience in banking and financial services. He started his career at Bank of America as a teller and quickly expanded his skillset into home lending. One of his favorite parts of his job is helping guide and educate his clients, especially new homeowners, with their financial needs and questions. He is patient and takes his time explaining all the various lending options and products available, and his goal is for his clients to feel comfortable working together, so they find it easy to make an informed decision when purchasing or refinancing their home. He enjoys fishing, listening to music and is also fluent in Armenian.

Service Area:

California

Contact Info:

gegham.knyazyan@kujira-oasis.com

Phone:916.769.7706 916.769.7706 

Fax: 925.847.1984

3 Park Place, Dublin, CA 94568

NMLS ID: 927381

kujira-oasis.com/gknyazyan

Request an Appointment

Gegham brings nearly two decades of experience in banking and financial services. He started his career at Bank of America as a teller and quickly expanded his skillset into home lending. One of his favorite parts of his job is helping guide and educate his clients, especially new homeowners, with their financial needs and questions. He is patient and takes his time explaining all the various lending options and products available, and his goal is for his clients to feel comfortable working together, so they find it easy to make an informed decision when purchasing or refinancing their home. He enjoys fishing, listening to music and is also fluent in Armenian.

Gloria Castillo

Home Loan Consultant

Gloria is a native of the Bay Area, and has been working in the financial industry for over a decade. At Patelco, she’s focused on ensuring members understand the home loan process and know what to expect along the way. When you work with Gloria, you can expect solid advice, whether your need is buying a home, refinancing, or taking out equity. Gloria’s goal is to guide members to the loan that keeps them on their path to financial wellness.

Service Area:

California

Contact Info:

gcastillo@kujira-oasis.com

Phone:650.380.7040650.380.7040

3 Park Place, Dublin, CA 94568

NMLS ID: 1475220

kujira-oasis.com/gcastillo

Request an Appointment

Gloria is a native of the Bay Area, and has been working in the financial industry for over a decade. At Patelco, she’s focused on ensuring members understand the home loan process and know what to expect along the way. When you work with Gloria, you can expect solid advice, whether your need is buying a home, refinancing, or taking out equity. Gloria’s goal is to guide members to the loan that keeps them on their path to financial wellness.

Gloria Melendez

Home Loan Consultant

Gloria Melendez proudly serves the East Bay, Tri-Valley community and helps members fulfill their personal needs. With more than 15 years of mortgage lending and banking experience, she takes pride in her holistic approach to helping others.  Gloria prefers to build long-lasting relationships by understanding the member’s situation and providing solutions to create a positive home loan experience. She is fluent in Spanish and enjoys simplifying and explaining the process of buying or refinancing a home, by answering all questions and ensuring all parties are comfortable every step of the way.

Service Area:

Alameda County, Contra Costa County

Contact Info:

gmelendez@kujira-oasis.com

Phone:925.389.4700925.389.4700

3 Park Place, Dublin, CA 94568

NMLS ID: 666350

kujira-oasis.com/gmelendez

Request an Appointment

Gloria Melendez proudly serves the East Bay, Tri-Valley community and helps members fulfill their personal needs. With more than 15 years of mortgage lending and banking experience, she takes pride in her holistic approach to helping others.  Gloria prefers to build long-lasting relationships by understanding the member’s situation and providing solutions to create a positive home loan experience. She is fluent in Spanish and enjoys simplifying and explaining the process of buying or refinancing a home, by answering all questions and ensuring all parties are comfortable every step of the way.

Jim Grewal

Home Loan Consultant

Jim brings more than 15 years of combined experience and knowledge in relationship management, lending, investments, insurance and home lending. When you meet with him to go over your home financing goals, he will listen attentively and work with you to create an actionable solution based on your individual situation and budget. He is proud to work for a credit union where he truly has the ability to put your needs first. When he’s not working, he enjoys watching sports, spending quality time with his family and volunteering within his community.

Service Area:

California

Contact Info:

jgrewal@kujira-oasis.com

Phone:925.847.3656925.847.3656
Fax: 925.847.1923

3 Park Place, Dublin, CA 94568

NMLS ID: 1872481

Request an Appointment

Jim brings more than 15 years of combined experience and knowledge in relationship management, lending, investments, insurance and home lending. When you meet with him to go over your home financing goals, he will listen attentively and work with you to create an actionable solution based on your individual situation and budget. He is proud to work for a credit union where he truly has the ability to put your needs first. When he’s not working, he enjoys watching sports, spending quality time with his family and volunteering within his community.

Jose Antonio Garcia

Home Loan Consultant

A mortgage is one of the most important financial choices you will ever make. As a Home Loan Consultant at Patelco with 20 years of experience, Jose remains dedicated to helping you achieve your goals – not just finish your loan transaction. Maintaining integrity and building relationships are the core of Jose’s work, and he can help customize a home loan financing solution just for you.

Service Area:

San Francisco County

Contact Info:

joseantonio.garcia@kujira-oasis.com

Phone:510.209.3531 510.209.3531 

3 Park Place, Dublin, CA 94568

NMLS ID: 453338

Request an Appointment

A mortgage is one of the most important financial choices you will ever make. As a Home Loan Consultant at Patelco with 20 years of experience, Jose remains dedicated to helping you achieve your goals – not just finish your loan transaction. Maintaining integrity and building relationships are the core of Jose’s work, and he can help customize a home loan financing solution just for you.

Joseph Vitullo

Home Loan Consultant

“Working to make your homeownership dream come true.” I work to provide friendly and professional mortgage services with great care. My experience analyzing complex credit, income and financial data help resolve problems that come up throughout the loan process. Continued communication and follow up will help you stay informed and connected. I have detailed knowledge of Conforming, Jumbo and First-Time Homebuyer programs. I am a US Army veteran, married with three children, and an outdoor enthusiast. I enjoy golfing and camping. I believe the best compliment I can receive for my work, is a referral of a family member or friend. My goal is to provide you with quick loan closings and peace of mind.

Service Area:

Sacramento County, Solano County, Sonoma County

Contact Info:

joseph.vitullo@kujira-oasis.com

Phone:916.208.1878916.208.1878

3 Park Place, Dublin, CA 94566

NMLS ID: 201177

kujira-oasis.com/jvitullo

Request an Appointment

“Working to make your homeownership dream come true.” I work to provide friendly and professional mortgage services with great care. My experience analyzing complex credit, income and financial data help resolve problems that come up throughout the loan process. Continued communication and follow up will help you stay informed and connected. I have detailed knowledge of Conforming, Jumbo and First-Time Homebuyer programs. I am a US Army veteran, married with three children, and an outdoor enthusiast. I enjoy golfing and camping. I believe the best compliment I can receive for my work, is a referral of a family member or friend. My goal is to provide you with quick loan closings and peace of mind.

Kellie Luong

Home Loan Consultant

Kellie is an experienced consultant with over 20 years of expertise. Whether you’re a first-time home buyer, looking to trade up, or deciding to downsize, she can help you before you ever make an offer on a property. She strives to continually improve the home loan experience by focusing on member’s unique needs and situations.

Service Area:

California

Contact Info:

kluong@kujira-oasis.com

Phone:916.897.0909916.897.0909

Fax: 916.227.6343

3 Park Place, Dublin, CA 94568

NMLS ID: 1027581

kujira-oasis.com/kluong

Request an Appointment

Kellie is an experienced consultant with over 20 years of expertise. Whether you’re a first-time home buyer, looking to trade up, or deciding to downsize, she can help you before you ever make an offer on a property. She strives to continually improve the home loan experience by focusing on member’s unique needs and situations.

Kevin Goh

Home Loan Consultant

Kevin believes excellent service, trust and integrity are integral to building a lasting relationship that will help you achieve all your financial goals. As your Home Loan Consultant, Kevin will customize the home loan solution that best suits your situation and your needs.

Service Area:

California

Contact Info:

kgoh@kujira-oasis.com

Phone:925.598.3894925.598.3894

Fax: 925.847.1963

3 Park Place, Dublin, CA 94568

NMLS ID: 1405312

Request an Appointment

Kevin believes excellent service, trust and integrity are integral to building a lasting relationship that will help you achieve all your financial goals. As your Home Loan Consultant, Kevin will customize the home loan solution that best suits your situation and your needs.

Kevin Hayden

Home Loan Consultant

Kevin Hayden has more than 25 years of experience in the mortgage industry. He’ll bring his strong work ethic to thoroughly analyze even the most difficult loan transactions — including specializing in assisting members with RSU income. He has personally closed over 3,000 loans with value in excess of $2 billion dollars. Kevin chose Patelco Credit Union because the company shared his high standards and commitment to offering the best loan programs at the best prices and a commitment to earning loyal members.

Service Area:

Santa Clara County

Contact Info:

khayden@kujira-oasis.com

Phone:949.939.2222949.939.2222

Fax: 949.417.3737

3 Park Place, Dublin, CA 94568

NMLS ID: 220948

kujira-oasis.com/khayden

Request an Appointment

Kevin Hayden has more than 25 years of experience in the mortgage industry. He’ll bring his strong work ethic to thoroughly analyze even the most difficult loan transactions — including specializing in assisting members with RSU income. He has personally closed over 3,000 loans with value in excess of $2 billion dollars. Kevin chose Patelco Credit Union because the company shared his high standards and commitment to offering the best loan programs at the best prices and a commitment to earning loyal members.

Lima Rahim

Home Loan Consultant

As a Home Loan Consultant for Patelco Credit Union, Lima Rahim will provide you with all of the information necessary to make confident decisions whether you are looking to refinance or use the equity in your homes with a second mortgage. She can help you with a clear picture of what might best by explaining various loan options, answering any questions and guiding you through every step of the mortgage process. Above all, she ensures member satisfaction, provides very thorough, yet timely approaches to meet your goals and build lasting relationships.

Service Area:

California

Contact Info:

lrahim@kujira-oasis.com

Phone:925.847.3649925.847.3649

Fax: 925.847.1973

3 Park Place, Dublin, CA 94568

NMLS ID: 1545953

Request an Appointment

As a Home Loan Consultant for Patelco Credit Union, Lima Rahim will provide you with all of the information necessary to make confident decisions whether you are looking to refinance or use the equity in your homes with a second mortgage. She can help you with a clear picture of what might best by explaining various loan options, answering any questions and guiding you through every step of the mortgage process. Above all, she ensures member satisfaction, provides very thorough, yet timely approaches to meet your goals and build lasting relationships.

Linda Low

Home Loan Consultant

Linda has more than 21 years of experience in the financial industry and is passionate about helping others achieve financial wellness. As your Home Loan Consultant, she will take time to discuss your goals, and offer guidance and recommendations on the best and most affordable option for your long-term plans.

Whether you are looking for your first home, need to downsize, or want to ways to save on an existing mortgage, Linda has the expertise, knowledge, and patience to guide you there.

Service Area:

Alameda County, Santa Clara County

Contact Info:

llow@kujira-oasis.com

Phone:925.895.8900925.895.8900

Fax: 925.847.1971

3 Park Place , Dublin, CA 94568

NMLS ID: 633682

kujira-oasis.com/llow

Request an Appointment

Linda has more than 21 years of experience in the financial industry and is passionate about helping others achieve financial wellness. As your Home Loan Consultant, she will take time to discuss your goals, and offer guidance and recommendations on the best and most affordable option for your long-term plans.

Whether you are looking for your first home, need to downsize, or want to ways to save on an existing mortgage, Linda has the expertise, knowledge, and patience to guide you there.

Manny Johal

Home Loan Consultant

Manny has more than 25 years of experience working for small to large sized banks on all aspects of home lending. He’s found a happy medium as a Home Loan Consultant for Patelco, where our member-first approach lets him focus on what’s right for each individual client and their financial well-being.

He enjoys explaining the intricate details of the lending process and finds joy in helping homeowners with one of the biggest financial decisions of their life. He specializes in jumbo financing and works with many first-time buyers. In his spare time, you can find him gardening, working on cars or watching soccer.

Service Area:

California

Contact Info:

manny.johal@kujira-oasis.com

Phone:510.409.0935 510.409.0935 

Fax: 925.227.6390

3 Park Place, Dublin, CA 94568

NMLS ID: 728828

kujira-oasis.com/mjohal

Request an Appointment

Manny has more than 25 years of experience working for small to large sized banks on all aspects of home lending. He’s found a happy medium as a Home Loan Consultant for Patelco, where our member-first approach lets him focus on what’s right for each individual client and their financial well-being.

He enjoys explaining the intricate details of the lending process and finds joy in helping homeowners with one of the biggest financial decisions of their life. He specializes in jumbo financing and works with many first-time buyers. In his spare time, you can find him gardening, working on cars or watching soccer.

Maria Lopez

Home Loan Consultant

Obeying our mission at Patelco is to strengthen our member’s financial lives. I will be helping you find the right home loan for you. With 20 plus years in the mortgage industry, I have the resources to help you learn each step of the home loan process.

Service Area:

California

Contact Info:

maria.lopez@kujira-oasis.com

Phone:925.227.9340925.227.9340

Fax: 925.847.1940

3 Park Place, Dublin, CA 94568

NMLS ID: 633563

Request an Appointment

Obeying our mission at Patelco is to strengthen our member’s financial lives. I will be helping you find the right home loan for you. With 20 plus years in the mortgage industry, I have the resources to help you learn each step of the home loan process.

Patricia Vallejo

Home Loan Consultant

Integrity and dedication are the core of Patricia’s work. As a Home Loan Consultant with 16 years of experience at Patelco, she has the deep knowledge of lending solutions and has helped hundreds of families and individuals with their home loan needs. Whether you are looking to buy a new home or want to refinance your existing mortgage, Patricia is ready to assist you every step of the way. For first time home buyers, she’s ready to provide education and guidance about different mortgage options so you can make the right decision on one of life’s biggest investments.

Service Area:

Contra Costa County, Alameda County

Contact Info:

pvallejo@kujira-oasis.com

Phone:925.464.3706 925.464.3706

Fax: 925.847.1912

3 Park Place, Dublin, CA 94568

NMLS ID: 552048

kujira-oasis.com/pvallejo

Request an Appointment

Integrity and dedication are the core of Patricia’s work. As a Home Loan Consultant with 16 years of experience at Patelco, she has the deep knowledge of lending solutions and has helped hundreds of families and individuals with their home loan needs. Whether you are looking to buy a new home or want to refinance your existing mortgage, Patricia is ready to assist you every step of the way. For first time home buyers, she’s ready to provide education and guidance about different mortgage options so you can make the right decision on one of life’s biggest investments.

Ralph Lu

Home Loan Consultant

Purchasing or refinancing a home is one of the most important financial choices you will make. As an experienced Home Loan Consultant, Ralph is here to guide you throughout the process by listening to your needs, answering any questions you have and keeping you informed every step of the way. Working in both the retail branch and financial industry for more than 7 years, he knows how to engage in conversations, to find the right home loan solution that aligns with your long-term goals and immediate needs. He has a passion for helping people and looks forward to helping you strengthen your financial well-being.

Service Area:

California

Contact Info:

rlu@kujira-oasis.com

Phone:925.598.3810925.598.3810 

Fax: 925.847.1962

3 Park Place, Dublin, CA 94568

NMLS ID: 1616907

Request an Appointment

Purchasing or refinancing a home is one of the most important financial choices you will make. As an experienced Home Loan Consultant, Ralph is here to guide you throughout the process by listening to your needs, answering any questions you have and keeping you informed every step of the way. Working in both the retail branch and financial industry for more than 7 years, he knows how to engage in conversations, to find the right home loan solution that aligns with your long-term goals and immediate needs. He has a passion for helping people and looks forward to helping you strengthen your financial well-being.

Sharlena Diep

Home Loan Consultant

Sharlena has been in the mortgage industry for more than 15 years. In addition to being a Home Loan Consultant, she is an active real estate agent, giving her both lending and real estate knowledge. Whether you’re a first time home buyer looking to get pre-approved or an existing homeowner, she can help you find the terms that are the best fit for you. Sharlena will meet with you to look at your finances and help you get a clear picture of what type of loan and loan amount is realistic. She’ll be with you every step of the way so you can make the best decision about your home.

Service Area:

San Mateo County, Santa Clara County

Contact Info:

sdiep@kujira-oasis.com

Phone:669.292.9096669.292.9096 

3 Park Place, Dublin, CA 94568

NMLS ID: 1229900

kujira-oasis.com/sdiep

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Sharlena has been in the mortgage industry for more than 15 years. In addition to being a Home Loan Consultant, she is an active real estate agent, giving her both lending and real estate knowledge. Whether you’re a first time home buyer looking to get pre-approved or an existing homeowner, she can help you find the terms that are the best fit for you. Sharlena will meet with you to look at your finances and help you get a clear picture of what type of loan and loan amount is realistic. She’ll be with you every step of the way so you can make the best decision about your home.

Sofia Barajas

Home Loan Consultant

Born and raised right here in the Bay Area, Sofia has the knowledge and expertise to help you find the loan that’s right for you. She’s helped individuals and families achieve their homeownership dreams since 2003 and takes pride in having experience in all stages of the loan process. She’ll work diligently to understand your unique goals and will find the lending solution that matches your needs best.

Service Area:

California

Contact Info:

sbarajas@kujira-oasis.com

Phone:925.847.3639925.847.3639 

Fax: 925.847.1904

3 Park Place, Dublin, CA 94568

NMLS ID: 1801141

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Born and raised right here in the Bay Area, Sofia has the knowledge and expertise to help you find the loan that’s right for you. She’s helped individuals and families achieve their homeownership dreams since 2003 and takes pride in having experience in all stages of the loan process. She’ll work diligently to understand your unique goals and will find the lending solution that matches your needs best.

Tanganika Patterson

Home Loan Consultant

As your mortgage loan consultant, I will provide you with all the information you need to complete a smooth and seamless refinance, home equity loan/line of credit or ADU transaction.

Service Area:

California

Contact Info:

tapatterson@kujira-oasis.com

Phone:925.847.3626 925.847.3626

Fax: 925.847.1974

3 Park Place, Dublin, CA 94568

NMLS ID: 1474289

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As your mortgage loan consultant, I will provide you with all the information you need to complete a smooth and seamless refinance, home equity loan/line of credit or ADU transaction.

Winston Wang

Home Loan Consultant

Since 2014, Winston Wang has been skillfully helping his community with home buying throughout the Bay Area. His deep experience in new construction, condos, and single-family homes empowers him to craft personalized mortgages for his customers and clients.

Prior to Patelco, Winston Wang was in full swing at Wells Fargo and KB Home. In his spare time, Winston enjoys time with his family and photography.

Service Area:

Alameda County, Santa Clara County

Contact Info:

wwang@kujira-oasis.com

Phone:650.460.8970650.460.8970 

Fax: 925.847.1990

3 Park Place, Dublin, CA 94568

NMLS ID: 1963743

kujira-oasis.com/wwang

Request an Appointment

Since 2014, Winston Wang has been skillfully helping his community with home buying throughout the Bay Area. His deep experience in new construction, condos, and single-family homes empowers him to craft personalized mortgages for his customers and clients.

Prior to Patelco, Winston Wang was in full swing at Wells Fargo and KB Home. In his spare time, Winston enjoys time with his family and photography.

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