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CJ Kerls
Branch Manager

CJ brings over 30 years of mortgage expertise to the Bay Area, but don’t be fooled by his age, every morning he’s on his Peloton bike, so be sure to give him a high five! Passionate about building life long relationships, CJ’s strengths include creative and strategic problem-solving skills and helping make the often times complicated mortgage process seem easy! His transparency and open communication styles, along with his willingness to hold his borrowers hands all the way from Pre-Approval to close of Escrow truly separate CJ from the pack. Available 24/7, CJ and his team will help you provide the outstanding level of customer service that you expect from your lender partner. A family affair, CJ’s daughter Chelsea, works by his side to structure loans and guide each borrower every step of the way. The Kerls team is at your service to help you build your business! Through dedication to his customers, CJ has consistently been named in the Top 1% of Loan Originators in the country. When you partner with CJ, you are working with a proven veteran! A lover of wine, coffee, and chocolate, on the weekends you can find CJ and his husband, David, working on what they refer to as their “Trashy old river house” in Healdsburg. This is how their Realtor referred to the house before they transformed it through renovation loans, and the nickname stuck! For Real Estate Agents I have partnered with some of the top real estate agents in the Bay Area and am a founding member of the San Francisco Insider’s. I take pride in providing honest communication, consistent follow-through, transparency and respect for all parties in the transaction. I will work with your clients to help them understand how much home they can qualify for, and problem solve from beginning to end, to ensure that the loan closes on or before the close of escrow. I am always keeping myself educated and up to date with all of our loan investors which gives me the ability to come up with creative lending solutions to accommodate the needs and wants of Homebuyers. My specialties include: • Self-Employed/Complex-Income Borrowers • First-Time Homebuyers • Education & Advising • Condo financing • Jumbo financing • FHA/VA financing • Bridge loans and cross-collateralization • Doctor’s loans • RSU Income

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CJ Kerls at Guaranteed Rate at 636 Fourth St San Francisco, CA

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