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CJ Kerls
Branch Manager/SVP of Mortgage Lending

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
Personal Loans
No-fee personal loans
Reno Loan
Renovation loans
Mortgage calculators
Mortgage calculators
Same Day Mortgage
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A HELOC with a fixed rate you can count on.
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Areas served
  • CA
  • AR
  • AZ
  • CO
  • CT
  • DE
  • FL
  • GA
  • HI
  • ID
  • IL
  • KS
  • KY
  • MA
  • ME
  • MN
  • MT
  • NC
  • NV
  • NY
  • OR
  • PA
  • RI
  • TX
  • VA
  • WA
  • WY
Services offered
  • Jumbo Mortgage
  • Conventional Mortgage
  • FHA Mortgage
  • VA Mortgages
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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).

Product Assumptions:

Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.

One discount points equals one percent of your loan amount.

Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.