Meet The Team!

Photo of Jody Ballard

Jody Ballard

Mortgage Specialist

NMLS #1170908 DRE #01073102 Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan…

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Marcelle Bonton

Mortgage Consultant

CA BRE #01947046 NMLS#1236720

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Anthony Bui

Mortgage Specialist

CA DRE# 01430014  NMLS# 236649

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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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Freddie Clariza

Loan Specialist

DRE# 01401079  NMLS# 1186807

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Laura Coffman

Loan Consultant

CA DRE# 02083592  NMLS# 1860986

Photo of Belinda Dawson

Belinda Dawson

Mortgage Consultant

CA BRE #01001679   NMLS # 274901

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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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Lori Romeo

Mortgage Specialist

DRE #01707269  NMLS #278153

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Addy Scott

Loan Processor

Photo of George Turner

George Turner

Loan Consultant

Photo of Lindsey Wear

Lindsey Wear

Loan Processor

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Joe Young

Mortgage Specialist

NMLS# 234582