About Arlene Kraushaar

As a licensed Homebridge Mortgage Loan Originator in California (NMLS #251774), Arlene Kraushaar can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Arlene welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Arlene has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Arlene Kraushaar Anytime

Feel free to contact Arlene anytime by phone or email for personalized service and expert advice. Arlene Kraushaar will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Arlene Kraushaar is 203(k) Renovation Lending Certified

Arlene is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Arlene Kraushaar values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Arlene by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
Top1%
Mortgage Loan Originator in AmericaMortgage Executive Magazine 2016
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

Richard S. Aug-18
“My loan broker, Arlene.”
Jill C. Aug-18
“I liked the fact that it is a local company and not something off the internet. Arlene is very compassionate.”
Minerva R. Aug-18
“Very good communication and explanation of process. Great personality. ”
Vicki M. Aug-18
“My loan seemed like a improbability to me. Arlene worked diligently to make this dream a reality.”
Richard S. Aug-18
“My loan broker, Arlene.”
Jill C. Aug-18
“I liked the fact that it is a local company and not something off the internet. Arlene is very compassionate.”
Minerva R. Aug-18
“Very good communication and explanation of process. Great personality. ”
Vicki M. Aug-18
“My loan seemed like a improbability to me. Arlene worked diligently to make this dream a reality.”
Richard S. August 2018
“My loan broker, Arlene.”
Jill C. August 2018
“I liked the fact that it is a local company and not something off the internet. Arlene is very compassionate.”
Minerva R. August 2018
“Very good communication and explanation of process. Great personality. ”
Vicki M. August 2018
“My loan seemed like a improbability to me. Arlene worked diligently to make this dream a reality.”
Richard S. August 2018
“My loan broker, Arlene.”
Jill C. August 2018
“I liked the fact that it is a local company and not something off the internet. Arlene is very compassionate.”
Minerva R. August 2018
“Very good communication and explanation of process. Great personality. ”
Vicki M. August 2018
“My loan seemed like a improbability to me. Arlene worked diligently to make this dream a reality.”
Devon S. June 2018
“Arlene was great!”
Lara K. May 2018
“Always attentive, fast to respond and looked out for our best interest.”
Stacey A. May 2018
“Arlene was very helpful throughout the process and she answered any questions that we had. She was amazing!!”
Liliana E. April 2018
“Arlene has been amazing and always easy to contact and answer questions. The online account is also extremely beneficial as we do not live nearby.”
Jennifer G. April 2018
“It didn't matter what the time of day it was or what the problem was, Arlene was there to help me.”
Eryn W. March 2018
“Arlene's team is wonderful at answering concerns/ needs. Communication is top notch!”
John N. March 2018
“They were very informative throughout the whole process.”
Christopher F. March 2018
“Very responsive to phone calls and emails.”
Ronald P. March 2018
“We have a professional relationship with Arlene and respect and trust her services.”
Kenneth P. March 2018
“Very knowledgeable and helpful.”
Fogatia F. March 2018
“Arlene helped me with my first loan and that's why we continue with her. She's been very helpful and updated me on new information.”
Rian R. March 2018
“Just call her!!”
Joseph R. January 2018
“The team was great and got everything done in a timely manner.”
Debra K. December 2017
“Received clarity of information, kindness. Arlene was a wonderful advocate.”
Shannon K. December 2017
“Very easy.”
Thomas B. November 2017
“Process was easy.”
Chris B. November 2017
“Great work done by everyone. No hiccups at all. Everything was well explained.”
Karen F. October 2017
“Arlene and her team were proactive and responsive. We really felt like we were her only deal.”
Thomas H. October 2017
“Arlene Kraushaar is phenomenal. She explains every step of the process and lets a borrower go forward confident that they are working with the best lender possible.”
Joseph M. October 2017
“Very easy to work with. Quick, clear and concise communication.”
Nathan E. Santa Rosa, CA
“Arlene kept in regular contact with us throughout the process. Every member of the team responded to our questions promptly and provided us with regular updates to the loan process. It was the quickest I had ever had a loan processed.”
John C. Santa Rosa, CA
“We are very happy, everyone was so helpful.”
Leslie G. Rohnert Park, CA
“We are very happy with services offered, and a job well done. Also we want to thank Arlene and her team for all their help, more then just a business transaction, they actually made this more of a personal matter. I can say that we learned so much more than if we had to deal with someone from out of town. Thanks again, looking forward to working with you in the future.”
Joan B. Santa Rosa, CA
“Very exceptional. Kept in touch. Pleasant and efficient.”
Tony L. Santa Rosa, CA
“This was a complex transaction and Arlene played a very important role to get us to the finish line. I 'm very grateful she was the lender on this one. Not to mention, throughout the buyer 's house-hunting, which included writing a couple of offers. Arlene was very responsive to phone calls and questions, some of which were after hours and on weekends. Great customer service!”
David R. Healdsburg, CA
“This is our second refinance with Arlene Kraushaar; her service, professionalism and manner make her the best mortgage lender we've ever dealt with.”
Shannon K. Santa Rosa, CA
“They were wonderful!”
Roxanne M. Guerneville, CA
“The buyer was difficult to qualify and it was a non arms length sale and FHA. Super complicated. Arlene was the only one that could have put the whole package together. She was amazing.”
John C. Santa Rosa, CA
“She helped us so much.”
Jurgita M. Santa Rosa, CA
“She did outstanding job. Definitely will recommend her for my friends.”
Armando M. Windsor, CA
“Service was prompt and polite. I was kept in the loop at all times. They walked me through any questions that I had in a simple yet informative manner.”
Adam D. Walnut Creek, CA
“Patience and good explanation of the process.”
Lorrie M. Hidden Valley Lake, CA
“Nice job! Love that Arlene answers the phone on weekends!”
Patricia A. Santa Rosa, CA
“I felt like this company had my best interest in mind and showed me the different possibilities I could do. They explained everything to me so I would understand. Was able to do it all by email and phone calls except of course for the signing. They were great to work with!”
Scott B. Cotati, CA
“Expertise in navigating bureaucracy to get necessary paperwork in order for VA loan”
Karen W. Windsor, CA
“Arlene was amazing. Very efficient and knowledgeable. We had a great experience. Thank you!”
Joel C. Santa Rosa, CA
“Arlene was there every time I needed to talk to her. She answered all my questions very thoroughly with a great attitude. She answered my phone calls andwas there all through the process. She did a great job for me, thank you.”
Ikuko S. Santa Rosa, CA
“Arlene was very helpful and accommodating. She also explained every step throughout the process to make it easy to understand. It was extremely helpful. I would recommend her to everyone I know who needs a Loan Officer.”
Robert S. Petaluma, CA
“Arlene kept us well informed throughout the process. She was able to close the loan very quickly and participated actively in the entire process including providing clear explanations during the signing process.”
Dianne V. Santa Rosa, CA
“Arlene Kraushaar an amazing Loan Officer! She is tireless in her pursuit of a win-win outcome! I have been in Real Estate for 10 years and have never had a lender attend a sign off, yet Arlene is at every one of them! It is a great help to the clients and the title company to have her there. She dropped everything to get this loan through quickly and my clients and I so appreciated it. She is terrific, none better!”
Rose M. Santa Paula, CA
“Arlene Kraushaar and her team always gives me the best, most thorough, service. I trust them 110%!”
Barbara N. Santa Rosa, CA
“Arlene Kraushaar handled my loan beautifully. She carried out every facet of the loan process with professionalism and courtesy. She clearly explained everything to me and handled all the details. I wouldn'”
Dianne V. Glen Ellen, CA
“Arlene Kraushaar is an excellent Loan Officer! I always try to use her whenever possible. Her assistant Lisa Wright James is also terrific. Thank you!”
Shelley T. Richmond, CA
“Arlene Kraushaar was the saving grace of the entire home buying process. From explaining all the rules and regulations to what each item really meant, Arlene went out of her way to help me. She got me a great rate and locked it in when we knew the economy might change, and she helped me close on a 30-day escrow in a crazy market.”
Roxanne M. Santa Rosa, CA
“Arlene pulls off miracles. She is knowledgeable and creative. She gets the job done.”
Matthew M. Santa Rosa, CA
“Arlene was a real pro. I had absolute confidence in her and she was an excellent communicator. I particularly appreciated her rapid response on email.”
John J. Cloverdale, CA
“Arlene was amazing through the whole process. It can be a stressful process buying a home, and she made this experience one of the best by far!”
Jason T. Calistoga, CA
“Arlene was amazing! She was incredibly responsive, honest, helpful and simply wonderful to work with. I will recommend her to anyone I come across. Thank you for all of your help in getting us into a home of our dreams.”
Sheryl A. Hidden Valley Lake, CA
“Arlene and team were amazing I can'”
David H. Santa Rosa, CA
“Arlene did a great job on this transaction. She went above and beyond to help the Buyer win the bid and quickly release their financing contingencies.”
Michael L. Cloverdale, CA
“Arlene did a great job. She takes care of all the details and works hard to get the deal closed.”
Haley S. Rohnert Park, CA
“Arlene does a great job communicating throughout the escrow. Thank you!”
Howard E. Ukiah , CA
“Arlene is a very easy person to work with and is very attentive.”
Dianne V. Cloverdale, CA
“Arlene is fantastic, great at communicating with clients. I have been selling real estate for over 10 years and she is the very first Loan Officer to come to a closing with me. Wonderful!”
Frederick F. Santa Rosa, CA
“Arlene is highly professional with excellent communication throughout the process.”
John C. Ojai, CA
“Arlene is simply the BEST! I would recommend her to anyone who needs a mortgage or refi. Her and her team make it easy and they work really hard for their customers. Thank you Arlene.”
Leonard B. Healdsburg, CA
“Arlene is smart, patient, considerate.”
Alan M. Santa Rosa, CA
“Arlene K. our Loan Officer did an excellent job in helping us get out of our prior loan and helped us get into a conventional loan. Also not to mention she helped us save and use our money wisely. She scheduled all our meetings to fit our busy schedule, this is truly customer service. Thank you.”
Jeff K. Windsor, CA
“Arlene and Debby were always professional and extremely helpful, even with questions outside the scope of our transaction.”
Robert D. San Francisco , CA
“Arlene and Debby were amazing. This loan was particularly tricky for a number of reasons, and the two of them were incredibly patient with all of my questions and whining. If there were more than 5 stars, I'd give them that.”
Lisa K. Santa Rosa, CA
“Arlene and Debby were awesome! They made the process very easy and were on top of everything!”
Bradley P. Cloverdale, CA
“Arlene and Lisa were AMAZING! We know that our refi would not have happened without their hard work tenacity and patience. They made a difficult situation so much easier! Thanks again!! We will definitely refer our friends and colleagues to you!”

Our Latest Thinking

It’s time to find the right loan for you. Tell us a little more about yourself to get started.