Caliber Home Loans First Time Home Buyers find trusted home loan guidance with SonomaCountyHomeLoans.com, navigating the complex mortgage world with buyers and homeowners to a secure, appropriate home loan. I work each transaction as though you are my most important client and this is my only loan, offering choice of options in YOUR best interest. First time buyer home loans, refinancing for better cash flow, or just answering questions; SonomaCountyHomeLoans.com ~ your home loan navigator. ~First Time Home Buyers ~FHA, VA, USDA, Conventional, Jumbo lending, after bankruptcy financing ~CalHFA/GSFA down payment assistance ~Preparation and education for first time home buyers ~Dependable financing, competitive rates, excellent service I have been a home loan “navigator” for my community for 12 years, helping home owners and dreamers learn about their options so they can make informed choices in home financing. I manage my branch of Loan Consultants, providing them with freedom, rewards and support. I have a business degree in Finance from Sonoma State University and an office here in Santa Rosa, CA. Although I grew up in New Jersey – something you can never take out of a girl – I consider Sonoma County as heaven on earth. I raised my Fijian-born daughter as a single mom. This has definitely been my most creative, rewarding life endeavor. I love her dearly and am very proud of her. I love going to work each day and consider my career and responsibilities as a genuine privilege.