About CJ Kerls
I have 35+ years in mortgage lending. I work primarily with buyers and homeowners in the San Francisco Bay Area and Sonoma County. Many of my clients have income that takes real work to document. They are business owners, people paid largely in restricted stock or bonuses, and investors adding another property to what they already own. I also work with a lot of salaried W-2 employees buying a home, and that work gets the same attention as anything complicated. What I try to give every client is an honest answer about what they qualify for at the beginning, so nothing falls apart at the end, and a loan that closes on the date the contract calls for. I have been ranked in the Top 1% of mortgage loan originators nationally by Mortgage Executive Magazine and named a Top Originator by Scotsman Guide. NMLS #243438, licensed in 29 states. My specialties include self-employed and complex-income borrowers, RSU and bonus income, jumbo and super-jumbo financing, first-time buyers, condo financing, FHA and VA, physician loans, and borrower education. ** 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.
