Jacket - 2



    NMLS# 286534







Financing a home can seem like a complicated process. Whether you are refinancing your present home or purchasing for the first me, I am here to help you navigate through the loan process.

It is really satisfying working with first me home buyers. These days it is sll easy to get a loan with very little down payment. Premier Lending offers both FHA and Conventional financing with as little as 3-3.5% down payment options. Also we can help people become home owners with a credit score as low as 620.

For the move up buyer as well as first me home owners looking for a higher entry point we can offer other low down options including 10% down to 1.1 million dollar purchase price in the San Jose / SF / Oakland Bay Are Counties, as well as several other jumbo loan options up to 3 million.

I get asked why I work for a smaller mortgage bank . One of the many reasons I chose to work for Premier Lending is the fact that we are a direct lender. Our underwriters work for only our company and is very accessible if we ever need an update or quick queson answered. In addition, we can over see your file going from department to department until we fund your loan request. This means we can save you both me and money with by having every functions right in our office.

Please ask me any finance related questions you may have. I am here to help give advice. I have been working with California home buyers and homeowners since 1991. Let my vast experience go to work for you.

I look forward to working with you for many years to come, and I would be happy to assist your
friends, family and coworkers and pledge the same high level of service to them as well

  In the business since 1991

  Former Underwriter

  2015 Affiliate of the year from Santa Clara County Assoc. of Realtors  

"With regards to John Barney, we have worked with him on our second home purchase as well as a refinance not too long after our original purchase  as the rates dropped. He us easy to work with and very responsive to my emails and calls. He made both the purchase and refinance smooth and we also referred him to a family member that purchased through Robert. Robert and John work together to provide a seamless process. They are accommodating to our needs and aware of our busy schedules but made it as easy as possible." -Jason and Kate
"John was more agile and faster than traditional banks. He was much more accommodating to handling our specific requests. It made the whole process so much smoother and faster to have our realtors and mortgage broker working together. John worked tirelessly around Christmas break to help us close as quickly as possible since we were under a tight time frame due to the sellers`s requirements." -Sean and Adalina 
“It has been a pleasure working with Rita through the arduous journey of house hunting. In many ways, she kept the process on track by gently but firmly cajoling me to get the appropriate paperwork done throughout the process. I would not hesitate to recommend her services to home buyers looking to make sense of the mountains of paperwork that come with the territory. While being extremely professional she is deeply caring of her clients and is a pleasure to work with.”
“We have financed and refinanced with Rita for 22 years. She is always professional and responsive, going out of her way to make the process easier on you. Simply one of the best!”