CJ Kerls
Branch Manager

CJ has helped people achieve their homeownership goals for over 30 years. His personal mission is to provide his clients with an exceptional experience in purchasing or refinancing a home. CJ's top priority is to make the loan process as convenient, transparent and simple as possible. Through dedication to his customers, CJ has consistently been named in the Top 1% of Loan Originators in the country.

** 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 • Doctor’s loans • RSU Income

Helpful tools and resources
The Best Mortgage Experience logo
The Best Mortgage Experience
First-time homebuyer’s guide logo
First-time homebuyer’s guide
Mortgage calculators logo
Mortgage calculators
Loan options logo
Loan options

Recent reviews

What people are saying
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
Services offered
  • Jumbo Mortgage
  • Conventional Mortgage
  • FHA Mortgage
  • VA Mortgages
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