My Goal? Being Your Mortgage Broker For Life.

With nearly over $3 Billion in volume, I make a point to provide the expert guidance you need on your California home financing journey. I provide solutions for your unique home buying needs so that you can get into the California home of your dreams.

Excellent 5 out of 5

Your Trusted

Mortgage Company.

With over 20 years of mortgage lending experience and over $3 billion in loans funded, I have helped homebuyers and homeowners navigate all types of markets. There are always opportunities in every market, and my job is to ensure my clients are fully prepared and in the best possible position to take advantage.

I have a small, dedicated loan team that has worked with me for more than ten years, which allows the loan process to move quickly and efficiently. While every team member is a seasoned professional, I am involved in every stage of the loan process and always accessible.

Find Your Loan Officer

Introducing our team leaders, guiding visionaries and remarkable members driving excellence in every endeavor

Eric Rotner

ORIGINATING BRANCH MANAGER

NMLS ID 338424

Deniz Aksoy

SR. LOAN OFFICER

NMLS ID 982496

Greg Lomba

LOAN OFFICER

NMLS ID 1759407

Brian Green

SR. LOAN OFFICER

NMLS ID 1404862

Peter Gaeckle

SR. LOAN OFFICER

NMLS ID 295989

Adam Clark

LOAN OFFICER

NMLS ID 1851412

Cody Ramirez

LOAN OFFICER

NMLS ID 1931021

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Kristin Drechsel

NMLS ID 309155

Tom Jager

NMLS ID 318017

Lisa George

NMLS ID 1642185

What they said about us

Laurel W

Eric and his team helped me buy my house earlier this year and now refinance the loan to improve my payment. They were easy to work with and set me up with the best possible loan for today’s market.

Ryan Dixon

I can’t emphasize enough the importance of having a good, proactive mortgage broker: it was probably THE defining factor in us getting our home. After searching for about a year, my wife and I finally found a house that was both in budget AND in a good school district. However, since it is the Bay Area, we knew competition would be fierce and we would need a compelling offer. Luckily our broker, Eric Rotner, was able to draft an offer that swayed the seller (even though we didn’t have the full 20% down normally required) thanks to his understanding of the market and excellent reputation in the industry.

Mike Buzzard

Eric has been out go-to broker for loans and re-fi's for years. His depth and breadth of technical knowledge paired with the precision and timeliness of market conditions has allowed us to capitalize on products that have regularly surpassed our expectations. I emphatically recommend Eric and his team to anyone looking for the same level of quality and service.

Dave Pagano

I moved to the Walnut Creek area from New York several years back. Not knowing anyone in the area, I was extremely fortunate to have come across Eric Rotner. His advice and counsel throughout the home buying and financing process was invaluable. He again helped me with a refinance and has saved me thousands of dollars. I wholeheartedly recommend Eric Rotner as the person to use as your mortgage broker.

sonam dhundup

Great guy and easy to work with his whole team, I’ve tried many mortgage banker but only ERIC made possible for my first house purchase. Highly recommended . Thanks Eric and team again

Choosing the Right Mortgage Loan for You

Selecting the right mortgage loan for your needs is the first step toward realizing your homeownership goals.

Home Purchase Loans

Refinancing Solutions

First-Time Homebuyer Programs

Loan Programs for Investors

Non-QM Loans

Down Payment Assistance

Construction Loans

Reverse Mortgages

Construction Loans

A construction loan is a short-term financing option specifically tailored for funding the construction of a new home. Unlike traditional mortgages, which are disbursed in a lump sum, construction loans are released in phases, corresponding to the completion of specific construction milestones. This approach ensures that funds are used wisely and allocated as needed throughout the building process.

Reverse Mortgages

A reverse mortgage is a unique loan product designed specifically for homeowners aged 62 and above. It allows you to access a portion of the equity you’ve built up in your home without having to sell or make monthly payments. Unlike traditional mortgages, the loan balance grows over time as you receive funds, rather than decreasing with each payment.

Down Payment Assistance

Provides information and assistance on various programs available to help with down payments, making homeownership more attainable for a wider range of clients.

Non-QM Loans

Focuses on offering loan options for borrowers with non-traditional income sources or credit challenges, ensuring broader accessibility to home financing.

Loan Programs for Investors

Catering specifically to real estate investors, these programs offer financing solutions for investment properties, including rental and resale ventures.

Home Purchase Loans

Offering a variety of loan options for buying a home, including conventional, FHA, VA, and USDA loans, each tailored to different borrower needs and financial situations.

Refinancing Solutions

Provides options to refinance existing mortgages, helping homeowners to adjust their interest rates and terms or access equity through cash-out refinancing.

First-Time Homebuyer Programs

Specialized services designed to assist first-time buyers, including educational resources and down payment assistance, to make the home buying process more accessible and manageable.

Frequently Asked Questions

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First Time Home Buyers

What are the requirements for first-time home buyers to qualify for a loan?

To qualify, you typically need a credit score of at least 620, a stable income, and a debt-to-income ratio lower than 43%. Some programs allow lower credit scores or DTIs.

What programs are available specifically for first-time home buyers?

Programs include FHA loans with lower down payments, USDA loans for rural homes, VA loans for veterans, and local first-time buyer assistance programs offering grants or down payment assistance.

How much down payment is typically required for first-time home buyers?

Down payments can range from 0% (VA and USDA loans) to 3.5% (FHA loans) and up to 20% for conventional loans, depending on the loan type and your credit situation.

What are the advantages of being a first-time home buyer?

Advantages include access to special loan programs, lower down payments, potential tax benefits, and various state or local grants and programs designed to help first-time buyers.

What should I know about the home buying process as a first-time buyer?

Understand your budget, get pre-approved for a mortgage, research neighborhoods, hire a real estate agent, and be prepared for closing costs and other expenses beyond the down payment.

Loan Types and Options

What are the differences between fixed-rate and adjustable-rate mortgages?

Fixed-rate mortgages have the same interest rate and monthly payment for the life of the loan. Adjustable-rate mortgages (ARMs) have a rate that may change periodically, affecting your monthly payment.

Can you explain the benefits and drawbacks of FHA loans?

Benefits include lower down payments and easier credit qualifications. Drawbacks include mandatory mortgage insurance premiums (MIP) and limits on loan amounts.

What is a VA loan and who qualifies for it?

VA loans are for veterans, active-duty military, and some surviving spouses. They offer no down payment options and no private mortgage insurance (PMI). Eligibility is based on service requirements.

What are the differences between conventional loans and government-backed loans?

Conventional loans are not insured by the government and typically require higher credit scores and down payments. Government-backed loans (like FHA, VA, and USDA) offer lower down payments and are easier to qualify for but may have other requirements or fees.

How do I decide which type of mortgage is best for me?

Consider your credit score, down payment capability, long-term financial goals, and whether you qualify for any government-backed loans. Consulting with a mortgage advisor can help determine the best fit for your situation.

Mortgage Glossary

What is APR and how does it affect my loan?

APR (Annual Percentage Rate) represents the total cost of borrowing, including the interest rate and other loan fees, expressed as a yearly rate. It helps you compare the total cost of different loans.

Can you define what a mortgage refinance is and when it might be beneficial?

Refinancing is replacing your existing mortgage with a new one, often to lower the interest rate, reduce monthly payments, or tap into home equity. It’s beneficial when interest rates drop or your financial situation improves.

What does LTV (Loan to Value) mean?

LTV ratio measures the relationship between the loan amount and the value of the property. It’s calculated by dividing the loan amount by the home’s value. Lower LTV ratios can lead to better loan terms.

Explain the difference between pre-qualification and pre-approval.

Pre-qualification is an initial assessment of your lending power based on self-reported financial information. Pre-approval is a more rigorous process that involves a credit check and verification of your finances.

What is PMI (Private Mortgage Insurance) and when is it required?

PMI is insurance that protects the lender if you default on your loan. It’s typically required on conventional loans when your down payment is less than 20% of the home’s value.