I have been in the mortgage industry since 1983.   Originally, I began in the industry working as a loan packager for USDA.  As prices rose, this program slowed to a crawl.  I transitioned into the "real" world of the mortgage industry in the 90s as a construction loan processor for a local broker.  Transferring over to the local bank we worked with, I began working as a junior underwriter/ processor with their correspondent division. Once I became a loan officer, I realized how I could make a difference in peoples lives.   Not only giving them loan advice with the different programs offered but preparing my customers to be homeowners.  I always want clients to know that I handle their loan as if it were my own.

SVP of Mortgage Lending/Renovation Specialist

Mary Jo Payne is your Auburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Mary Jo is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mary Jo at (530) 888-7830 for more information!

Mary Jo Payne at Rate (NMLS #295885)

Stephano Geldy, Vice President of Mortgage Lending, is a passionate advocate for first-time homebuyers, dedicated to helping them achieve their dream of homeownership. He understands that purchasing a first home can be both exciting and intimidating, and he is committed to guiding clients through the process and alleviating any concerns they may have. Stephano's clients are often pleasantly surprised by how straightforward it is to get started on their journey to homeownership.  
With over two decades of experience in the financial industry, Stephano is a highly accomplished and results-oriented finance professional. Whether it's Conventional, FHA, VA, Jumbo, Investments or other mortgage options, Stephano can provide comprehensive solutions under one roof. Thriving in fast-paced environments, Stephano is committed to delivering exceptional customer experiences.  
Outside of his professional life, Stephano resides in Fair Oaks, CA, with his wife and two children. He is an avid sports fan and volunteers as a Head Coach for the Fair Oaks Soccer Club, sharing his passion for the game with young athletes. In his free time, Stephano enjoys engaging in activities such as road cycling and kayaking along the beautiful American River. He cherishes the moments spent with his family and their lively household, which includes three corgis, one Labrador, and a Turtle!


**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.**

VP of Mortgage Lending

Stephano Geldy is your Auburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Stephano is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Stephano at (916) 743-3344 for more information!

Stephano Geldy at Guaranteed Rate (NMLS #687761)

Auburn

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2 Loan Officers in Auburn, CA