Fair Oaks Office

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Valerie Hutton

Mortgage Specialist CA DRE #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 about my work.  My philosophy has…

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Jennifer Kappel

Loan Processor – Mortgage Specialist – DRE#01946752 NMLS#1023088

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Ted Kappel

CEO/President CA DRE# 01201430  NMLS #292656

I am Ted Kappel, CEO/President of Kappel Mortgage Group.  I started in the mortgage industry in 1995 with Norwest Mortgage, then transferred to Wells Fargo when Norwest Bought them, then worked for Vitek a few years before starting Kappel Mortgage Group, Inc (KMG) in 2004.  I started KMG so that I was able to compete…

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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?…