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Kristen Emery-Sphar
Senior Loan Officer
16780 Lark Ave
Los Gatos, CA 95032
Direct:(408) 355-2135
Cell:(650) 400-5747
Fax:(866) 883-7716
Email: KristenEmery@mortgagecalifornia.com
Website: http://www.mortgagecalifornia.com/kristenemery

My goal each day is to provide you with the most comprehensive information available, while making your transaction as seamless and cost effective as possible.  I strive to exceed your expectations in all areas.  My goal is to earn your business by providing customized financing solutions that will meet your long and short term goals.

From low down payment needs to less than perfect credit – I have choices for you that can help you purchase a home.  Over the last ten years, I have worked with several hundred homebuyers to purchase their first home through special programs from local, state and federal government agencies.  Second homes and investment properties are also a specialty.

My ambition is to become one of your trusted advisors, through excellent customer service and sound financial recommendations.  

“Where there is a will, there is a way” epitomizes my philosophy in helping individuals and families achieve their goals of home ownership.   I will work diligently in helping you come up with a plan, stick to it and then at the right time, will help with finding the best loan for you.  

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Loan Amount:
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ProgramRatePayment
5/1 ARM4.06%$0.00
30 Year Fixed5.04%$0.00
30 Year Fixed5.81%$0.00
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16780 Lark Ave, Los Gatos, CA  95032
Toll Free:  (888) 468-5231
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