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.
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.
