About Kathy Zickenberg

Homebridge Financial Services Mortgage Loan Originator in California
I have worked in the mortgage industry as a Mortgage Loan Originator for 14 years. My team consists of 4 professionals with extensive knowledge of the mortgage industry and are available to assist you with determining the right home loan for your situation. Whether you are a first-time homebuyer with limited cash to work with, a seasoned investor, or retired and looking to downsize, our team has the knowledge to help you make the best decision, keeping in mind your short and long-term goals.

Prior to joining Homebridge, I was an operating room nurse for 17 years before deciding to switch to the mortgage industry where I still take care of folks — just in a different way. I have lived in East County for over 25 years, have raised a family here, and now share my time with my husband of 30 years and my dog, Lily.  Come in to our office any day and she will greet you at the door!

I enjoy helping first-time homebuyers get into a home that they never thought they would own, and ultimately make their homeownership dreams a reality. I also appreciate working with investors looking to grow their financial portfolio with real estate. My attention to detail and compassionate nature have contributed to my success in the industry. I am known for making myself available throughout the loan process and am attentive to each of my client’s needs and goals.

Our branch offers mortgage loans for purchase and refinance, including FHA, VA, Conventional, 203(k) Renovation loans, commercial loans and Reverse Mortgages.

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.

What Our Customers Say About Me

Rochelle S. Mar-22
“Kathy Zickenberg and Max Shafer, Loan Coordinator was a pleasant to work with. They were accommodating to our inquires and clarifications. They made us feel comfortable and at ease with the whole process.”
Ryan P. Feb-22
“Kathy was amazing! We are first time home buyers and she took the time to explain and answer any of our questions. She was easily reachable and professional when communicating any updates.”
Lawrence M. Dec-21
“Kathy was very knowledgeable, personable and professional. She made it very easy to navigate the complicated process and worked to get us the best approval possible for our situation, we definitely recommend you work with Kathy and Her team they are Top Knotch!!!”
Mary P. Oct-21
“The process of buying a new home ran quite smoothly in my mind, thanks to the excellent communication skills of Kathy and her staff. Thank you!”
Craig C. Sep-21
“Again Kathy made a process seamless. It started easy and was over in no time at all. Thanks to the loan ladies and Kathy I have closed another chapter. I will be highly recommending the Team.”
Fernando V. May-21
“Thank you so much for all your patience with our questions and for always keeping us in the loop. You girls are awesome.”
Miles R. May-21
“Kathy Zickenberg and her team were awesome to work with during this process. Her team kept us up to date and was always available if we had any questions during this process. On behalf of the Reece family, we truly appreciate all your work and support during this process.”
Jodi R. May-21
“Our refinance went quickly and smoothly. We were very impressed with the service from Kathy Zickenberg and her team.”
Andrea M. Apr-21
“Kathy is the best of the best! Professional, friendly, supportive and helpful. Being first time homebuyers is a scary process but she was there to answer any question or concern that we had. I will recommend her and Homebridge Financial Services to ALL my family and friends when they are looking to buy a home =)”
Michael L. Mar-21
“Appreciate their professionalism, sincerity and efficiency. Great team to work with. Couldn't be more pleased with how it all worked out. Thank you so much.”
Mark M. Mar-21
“Always a pleasure working with Kathy.”
Keith D. Jan-21
“I trust Kathy and the Loan Ladies to always go above and beyond expectations when working with the team. They are excellent representatives of Homebridge and I would recommend them to anyone needing help.”
Jason M. Dec-20
“Can't say enough about Kathy! She is trustworthy, efficient and just a blessing to deal with. I would recommend her to anyone looking to start a mortgage or refinance. This is our second refinance but first with Kathy and I can tell you it could not have been easier for us! Thank you Kathy for all your knowledge and A+ work ethic!”
Ashley J. Dec-20
“Kathy has been amazing during this process! This was our first time buying a home and she made the process extremely comfortable and easy! She was quickly responsive to emails and phone calls, and helped us with anything we needed. She taught us everything with ease and I am so grateful to have her! She is one of the sweetest women I've ever met! We will be definitely be working with her again in the future!”
Jeremy C. Nov-20
“The whole process from start to closing was made easy by the people that work at Homebridge. Buying a home can be a very stressful process, Homebridge made that process as easy as possible with their experience and attention to detail. They explained everything step-by-step and guide me through the whole loan process.”
Brett G. Nov-20
“Kathy was great!”
Cynthia B. Nov-20
“Kathy, we appreciate your professionalism, knowledge and follow-up doing the entire process of us refinancing our home. We felt valued as a client and would highly recommend you to our family, friends, and anyone needing financial assistance. Again Thank You!!! ”
Deborah F. Nov-20
“I would recommend Kathy to anyone who needs a home loan. Her experience made the loan process go quickly and smoothly.”
Steven E. Nov-20
“Kathy, as you may already know, we are most grateful for you and your professionalism in completing this Re-Fi. You always keep us informed. You were extremely helpful in meeting our needs of our understanding of the processes, and you went above and beyond in getting us to combine our 1st and 2nd. Kathy is an amazing asset to Homebridge Financial. Thanks again, Steve & Lisa E.”
Christopher W. Oct-20
“Kathy is great. This is the 3rd time we have worked with her. Would do it again”
Andrea C. Sep-20
“Kathy and her team are like working with family. I felt so secure and taken care of throughout the whole process. They are so detailed at explaining the process and making sure they are efficient with you time as well as theirs. Every communication was detailed and well explained. I am so happy with my service and relationship with Kathy, her team and Homebridge.”
Donald R. Aug-20
“No complaints about KZ. She was friendly, courteous, responsive and truthful in dealings.”
Shannon K. Aug-20
“Everything was exceptional”
Layne A. Aug-20
“Kathy is GREAT to work with!!!”
Steven S. Jul-20
“We have used Kathy twice in the past and have always had excellent service from start to finish!”
Cindy K. Jul-20
“I was referred but the reason I selected Homebridge was because I was a few months out before I could refinance but Kathy provided me a list right away of what I would need to gather. It was so organized and easy. I was able to get everything in the system and prepped to jump in when it was time. I liked the organization of what you needed to do, the ease of providing your documents, the website, phone, and emails for updates and questions. No hassle. Everything was fast, easy, and as expected from the information that Kathy provided me.”
Salvatore E. Jun-20
“Kathy provided constant updates, I always knew exactly what was going on through the process. Everything was fast and easy. No issues, comments, or concerns. My wife and I appreciate the wonderful and painless experience Kathy and her team have provided (as always). On a side note, my parents started their re-fi, 2 weeks before us, with their existing lender, just to lower their rate and term (pretty straight forward). As of the day our loan closed, their lender said they are still 2 more weeks out to sign docs! I told them "You should have called Kathy and you would have already closed!" Sincerely, A happy returning customer”
Gary D. Jun-20
“Kathy is very professional, knowledgeable and efficient in the performance of her job. She kept we updated often during the process.”
“Kathy is the BEST!!!! If there were questions to be answered, she had the answers!”
“Kathy and her team are always extremely friendly and helpful. You can count on them to do a great job!”
“Kathy and her team are always extremely friendly and helpful. You can count on them to do a great job!”
“Kathy and Simone were great. The whole end-to-end process was timely, had good instructions and wrapped up with no issues.”
Monte R. June-19
“Working with Kathy and her team was a breeze! Thank you so much for everything. From start to finish we were treated respectfully and with care. Thank you again!”
Tonia R. April-19
“We expected that the loan process would be tedious and terrifying but Homebridge made it so easy and quick we feel like we must be missing something. Nope! They're just that good at what they do! Thank you for making this process so smooth for us. We highly recommend Homebridge and will use them for any future needs.”
Gordon W. December 2018
“Great customer service, communication.”
Gerardo F. December 2018
“Provided detailed information in a timely manner.”
Christopher D. December 2018
“Made process easy.”
Danny E. September 2018
“Worked with lender in the past.”
Matthew L. September 2018
“Excellent public notary service to home.”
John B. Aug-18
“Everyone was wonderful and very helpful.”
Irene V. August 2018
“Flexible, communication skills are amazing. Accommodating and on time.”
David R. April 2018
“Very easy to communicate with. I have experience in loan servicing and they provided excellent customer service. Love it!”
Miles R. March 2018
“Excellent service and reliable.”
Tony B. March 2018
“Holly has always helped me out and done a very good job for me.”
Michael T. March 2018
“I had worked with Kathy and Shannon in the past. They are very friendly, fast and professional!”
David D. March 2018
“They are great!!”
Michael R. March 2018
“No issues. Returns and answers phone calls. Sends paperwork promptly.”
Keith D. March 2018
“Kathy and her team are great!”
Debra B. January 2018
“Communication was always on time and everything was explained.”
Lori K. December 2017
“Entire team was great!”
Joseph M. November 2017
“Smooth process. The Loan Ladies are great!”
Joseph M. November 2017
“Smooth process, the Loan Ladies are great!”
Gary L. October 2017
“Knowledgeable and great customer service. Always available and phone follow up calls.”
Deborah F. October 2017
“Lender is very knowledgeable.”
Charles F. October 2017
“Fantastic customer service, very thorough.”
Andrea W. Antioch, CA
“The entire team has been so attentive and helpful. We really felt so much support and confidence with every interaction. Every part of the process was handled with such precision and competence. We will definitely be referring Kathy and her team to everyone we know.”
Chelsea R. Benicia, CA
“She was always available and very helpful in explaining every step of the process.”
Leia H. Oakley, CA
“Kathy is wonderful! Kept us informed and set realistic goals and expectations. I recommend the Loan Ladies as often as possible.”
Ken F. Antioch, CA
“Kathy and the staff are very knowledgeable and simply wonderful to deal with throughout the whole loan process, I will continue to use them with any future loan transactions.”
Adda R. Antioch, CA
“You guys are awesome!”
Robert M. Tracy, CA
“This was my first VA loan and The Loan Ladies took their time to work with me and my clients, without making us feel rushed or unimportant.”
Larry N. Brentwood, CA
“She was very professional”
Christa M. Antioch, CA
“Quick to answer my questions and made the process less stressful!”
Bisa G. Dublin, CA
“My Loan Officer was amazing! The process was a bear.”
Salvador R. Discovery Bay, CA
“Kathy was very helpful and accurately answered all our questions. Our experience with your company was a very good one, and we would definitely do it again.”
Ken F. Pleasanton, CA
“Kathy Zickenberg and Vanessa Gonzalez were excellent to work with, They kept my client and I informed at all times during the whole transaction. We had closed on time with no problems.”
Kathleen S. Oakland, CA
“Kathy and her team were on top of every aspect from start to finish. Kathy is detailed, experienced, easy to work with and simply awesome team player!”
Robert N. Discovery Bay, CA
“Kathy and Vanessa we worked with mainly and they both gave excellent service. We felt they continually followed up on the loan process with Fremont Bank. They were friendly and genuinely cared about helping us through the entire process. Thanks again.”
Gerald E. Antioch, CA
“Kathy answered my questions and made the process easy to understand.”
Dennis M. Clayton, CA
“Kathy did such a great job!! She is very professional, knowledgeable and quick to answer any questions. I will definately recommend her to any friends or family members.”
Alex M. Discovery Bay, CA
“Kathy was great. Gave me all the quotes on all the different loan programs I asked for in a very timely manner. Gave me all the breakdown of potential monthly payments and was very clear about explaining to me how PMI work and how it can be removed in the future.”
Ryan L. Discovery Bay, CA
“Kathy was simply amazing! She was incredibly patient and great at setting my nerves at ease.”
Michelle C. Antioch , CA
“Holly and Kathy helped us get a second tier VA Loan with a very diffiicult file. They were very professional. I doubt we would be in our new home without their help!”
Susan M. Napa, CA
“handled a tricky, novice-type client. In the beginning I think that the client trusted neither of us because of the arcane lending process together. That changed. I am supportive of her, and she of me”
Katherine P. Brentwood, CA
“Fantastic customer service, they were on top of it, as usual!!”
Taylor R. Antioch, CA
“Awesome service and very attentive! Thank you for a smooth transaction!”

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