Fair Oaks Office

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Danielle Carson

Business Manager

Danielle has lived in Sacramento for the last 20 years. She is a key member of The Kappel Mortgage Team working as our Executive Assistant. Danielle started in the industry working directly with Realtors for the largest Realtor Referral Network and has worked in client relations for the last 15 years. She loves getting people excited…

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Valerie Hutton

Mortgage Specialist

CA BRE #1137117  NMLS #291959 Your mortgage is serious business - but I like to get personal.  I love building up financial futures for people and communities.  I am your local Lender and the greatest honor is to hear from past clients and “friends of friends”.  This referral of past and new clients is what keeps me excited…

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Jennifer Kappel

Loan Processor – Mortgage Specialist

CA BRE# 01946752  NMLS #1023088

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Ted Kappel


CA BRE# 01201430  NMLS #292656

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Sharon McKernan

Broker Associate – Mortgage Specialist

CA Bkr DRE #00874382  NMLS #280199 In today’s world, it’s tempting to click for your home loan needs online.  However, I believe that your finances are personal and so are the financial decisions that you make regarding your home loan.  Why trust one of your biggest financial decisions to an impersonal big bank or faceless on-line lender?…

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George Turner

Loan Consultant