About Kathy Zickenberg
HomeBridge Financial Services Mortgage Loan Originator in California
Kathy Zickenberg has worked in the mortgage industry as a Mortgage Loan Originator for 14 years in Brentwood, CA. Kathy and her team have a strong knowledge base of the mortgage industry and are available to assist clients with determining the right home loan for their situation. She has built relationships with top Brentwood Real Estate Agents and enjoys connecting clients with her real estate contacts. Kathy’s Brentwood branch offers mortgage loans for purchase and refinance, including FHA, VA, Conventional, and 203(k) Renovation loans.
Kathy worked as an operating room nurse for 17 years before deciding to switch to the mortgage industry where she still takes care of people — just in a different way. She enjoys helping first-time homebuyers get into a home that they never thought they would own, and ultimately make their homeownership dreams a reality.
Kathy’s attention to detail and compassionate nature have contributed to her success in the industry. She is known for making herself available throughout the loan process and is attentive to each client’s needs and goals. She is driven by service and providing the right tools and information that will lead to on-time closings.
Contact Kathy and her team today to discuss your mortgage options!
Contact Kathy Zickenberg Anytime
Feel free to contact Kathy anytime by phone or email for personalized service and expert advice. Kathy Zickenberg will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.
Kathy Zickenberg is 203(k) Renovation Lending Certified
Kathy 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.
Kathy Zickenberg 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 Kathy 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!
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.
