At The Mortgage House Inc., we take the needs of our clients very seriously.
Purchasing a house is one of the biggest events that will occur in a person’s life and we make sure all questions and concerns are answered. Our experienced and knowledgeable loan officers will do everything to make the process run smoothly. Come see us for your purchase and refinance needs and you will be pleased with the speed and efficiency.
1131 Monterey Street
San Luis Obispo, CA 93401-3902
(800) 644-4030 toll-free
(805) 782-6998 / 782-6945 FAX
Jeff has been in the mortgage industry as a loan officer since 1998. With almost 20 years of experience behind him, he knows how to get things done efficiently. He always has a positive attitude and a smile to help clients through the loan process.
Jeff’s philosophy is to treat his clients the way he likes to be treated, with an emphasis on excellent customer service. You can always count on Jeff to return phone calls promptly and get straight answers to any questions.
As everyone at The Mortgage House is committed to giving back, Jeff donates his time to Toys For Tots, The Salvation Army, and other local charity events. He spends his free time attending live music events and dancing on the weekends A healthy lifestyle of hiking and working out at the gym keeps him in balance, and he enjoys snow skiing in the winter months.
If you would like to work with a seasoned professional who will treat you like family, Jeff asks that you give him a call or shoot him an email.
NMLS ID # 403616
Bob has been in the mortgage business here on the Central Coast for 27 years. He is also a licensed Real Estate Broker in California. His professional experience gives him insight on helping you determine if a Reverse Mortgage is right for you.
Bob is a Vietnam veteran who was raised in the Los Angeles area. After his service, he returned to college and graduated from Cal Poly with a B.S. degree in Business Administration. He has resided in Arroyo Grande, San Luis Obispo County for the past 36 years – the same town he and his wife Beth raised their three children in.
He is currently a member of the Arroyo Grande Chamber of Commerce and was previously a board member. He is also a member of the Kiwanis Club of Pismo Beach, past President, and was recently awarded the distinctive “Legion Of Honor” merit for having served 30 years with perfect attendance. He has always been involved in community activities and strives to make the lives of the people he encounters a little better.
Jody Brooking returns to join the outstanding loan origination team at The Mortgage House, Inc. She has a wealth of experience, beginning as a loan processor in 1984 for two years and continuing with five years in the title industry and three in credit reporting, all forming a solid basis for qualifying as a loan officer 20 years ago. Jody remarks, “To me, lending is more than the obvious of just getting a home loan. It’s about building long-term relationships and caring enough to research what is important to the borrower’s long-term investment goals. The process of lending is ever-changing, and I want my clients to feel confident as they move forward with their investments.”
It is notable that she is committed to her clients and also to the community which she feels has given her so much. Jody lives in San Luis Obispo and has a son, aged 26, studying at Cuesta College and working as a nursing assistant.
Sam has years of experience at analyzing a situation and then finding the best solution. That makes him particularly well suited to helping customers find just the right mortgage to fit their individual home financing needs, an often challenging exercise. Energetic and enterprising by nature, Sam previously worked 29 years at Pac Bell in many different jobs, retiring as a business manager in 1996. He is extremely involved in the local community through many organizations including the Arroyo Grande Chamber of Commerce, SLO Sportsman’s Association, South County Historical Society, Arroyo Grande Police Advisory Council, Arroyo Grande Police Volunteers, the California Law Enforcement Historical Society and SLOLEAF (San Luis Obispo Law Enforcement Assistance Foundation). He is also a Charter Member of the Friends of the Five Cities Fire Authority. He is on the Board of Directors of the Arroyo Grande Harvest Festival. At a time when others might have relaxed from their accomplishments, Sam continued on and received his Bachelor of Science degree from the University of Redlands.
He enjoys Cowboy Action Shooting as one of his primary hobbies and is a true champion, having won just about every major “Old West Shooting Event.” In his 25 years of competition, Sam garnered 12 State Championships (California 10 times, once for Mississippi, once for Hawaii), the Western Regional Championship 8 times, the Western States Championship, and the National Championship in 2004. Sam Holds 3 World Shooting Records and won a Gold Medal in Shooting at the Pan-Pacific Games. He also achieved the highest of all by winning the Indoor and Outdoor World Championships in 2006! Sam is also the co-founder of Chorro Valley Regulators, the local Cowboy Action Shooting Club.
Sam has recently taken up knife and tomahawk throwing. If it has a point, Sam will try and throw it. Sam is a member of the International Knife Thrower’s Hall of Fame. He always excels at whatever he takes up.
Sam Cotton has been a premier mortgage advisor at The Mortgage House for over 20 years. He has the experience and the attention to detail that makes every client know they are dealing with the best! He has attained the Company Circle of Excellence status every year since it was formed in 2004:
NMLS ID # 263585
Nancy Foster has been in the mortgage lending industry for over 28 years, rejoining The Mortgage House after a brief time away. She loves The Mortgage House, its team and its values.
Nancy is authentically passionate about being in “service” to others. She says her morning prayer is, “Lord, use me in your service today; tell me where to go, what to say and who to say it to.” She loves to help others, as most mortgage banking professionals do, and is especially diligent with her Reverse Mortgage clientele. She is a CRMP (Certified Reverse Mortgage Professional) with the National Reverse Mortgage Lenders Association, the only one on the Central Coast to achieve this certification, plus she is a CSA (Certified Senior Advisor), a CM (Certified Mediator – Community Volunteer) and a Notary. It is evident she believes in learning her craft so that she is able to prepare and advise in the most comprehensive way.
She has two beautiful children, one at Cal Poly and one recently graduated from Cal Poly who is now in medical school, and several dogs and lives in San Luis Obispo.
Kevin Hauber has over 25 years’ experience in residential lending, about eight of it with The Mortgage House and a previous five with Roxanne Carr at ARCS Mortgage. This partnership has served them well these many years, and Kevin now heads up the Green Division as Senior Loan Officer for The Mortgage House, Inc. He spearheads the efforts of The Mortgage House to be a leader in green financing, including the origination of EEM’s (Energy Efficient Mortgages) and other financing options to encourage and assist building energy conservation and offer buyers various financial incentives.
Kevin is a graduate of Cal Poly, San Luis Obispo, with extensive coursework in architecture and environmental design. He served on the U. S. Green Real Estate Council Board of Directors as Executive Vice President of Green Real Estate Education for California-Washington-Oregon-Hawaii, developing continuing education coursework approved by the Department of Real Estate. He is also known as the developer of the first LEED GOLD new construction project approved by the City of San Luis Obispo and is past Board President for SLO Green Build, chairs the SLO Association of Realtors’ Green House Effects Committee and was Treasurer for the Strategic Energy Alliance of San Luis Obispo County. In his efforts to do all he can to promote the availability of green building information and education, he also serves on the Solarize SLO County Selection Committee and was on the San Luis Obispo Chamber of Commerce Sustainability and Resources Committee. Detailed information will be available on his website:www.greenforgoodhomes.com
By heading the Green Division of The Mortgage House, Kevin works to combine available mortgage products that allow for green improvements with grants and other financial incentives so that consumers can find the funding and mortgage allowances they need to obtain or prepare their homes for the future. The Mortgage House seeks to combine its mortgage experience with qualified builders of green projects, joining together with all possible financing options.
Rudy was born in Tucson, but moved to California at an early age. He attended Atascadero High School and went on to graduate from Cal Poly San Luis Obispo in Business, minor in Art. In fact, he paid for part of his schooling by selling his hand-made ceramics.
Rudy Madrid is well known in the Tri-Counties as a most experienced mortgage loan officer. After two years military service, he rejoined Security Pacific Bank in Paso Robles, working in branch operations, then Commercial and Ag loans and eventually was Assistant Manager. After several years, he moved over to Great Western Savings, continuing in residential lending while also working with large apartment house and construction loans. Washington Mutual eventually acquired Great Western, which was then acquired by Chase, and he remained as their residential lender until 2008 when he moved over to Wells Fargo Bank. After this long process in lending, Rudy is amazed and charmed by the differences at The Mortgage House.
He and his wife, Susan, enjoy their four children (one daughter in high school, one at Cal Poly, one son owns Mitch Madrid Construction and one owns Thompson Landscaping) and their horses, and he loves gardening when he can spare the time.
A true professional, Mary Trudeau has been involved in various aspects of mortgage lending since 1987. She began her career as a traveling Notary and insurance sales agent in the Tri-Counties of Santa Barbara, San Luis Obispo and Monterey and moved on to become a mortgage loan processor and eventually a Loan Officer. She owned and managed a mortgage lending operation of her own before joining Heritage Oaks Bank several years ago.
Mary has always been intrigued by the mortgage lending process, and her extensive experience covers all aspects – origination, underwriting, document preparation, loan funding and closing, plus pricing and packaging loans for the secondary mortgage market. This variety of duties has helped her become uniquely suited to oversee every step of the process to ensure timely and efficient closings, and to train and manage the responsibilities of other loan officers under her care.
She and her husband, Wade, manager of SLO Wine Storage, are proud parents of two sons. In her spare time, Mary enjoys spending time with family and friends, loves to read, walk her dogs and make pottery for entertainment and relaxation.
The team did a fantastic job dealing with a problem loan and wrongly attached caivrs claim on my loan. They worked tirelessly and professional to have the caivrs removed and allowing the loan to go thru. OUTSTANDING SERVICER. S.Homebuyer
You do something that most lenders don’t do – besides closing un-doable deals (a technical term), when someone asks you a question, you answer the question but also give them other options that they may not have thought of. I don’t know why more lenders or real estate agents don’t do that. You’d certainly hope those professionals had more knowledge of alternate options than the average customer, but not that many offer a menu of options. They just answer the question, even if it isn’t the best option, or even it that answer doesn’t solve their problem.M. McN.Homebuyer