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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!

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.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.
Find a Contractor

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

What Our Customers Say About Me

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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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