About Patti Shaner

Thank you for considering me and my team for your mortgage needs. I appreciate the opportunity to earn your business.
My mission is to carefully guide clients through the entire home loan process so that they feel confident as they make choices about the many options available for their financing strategy. Obtaining a mortgage is likely the single highest debt a person will incur. My job is to help my clients manage that debt throughout their lifetime. Whether you are a first-time home buyer, an investor or buying your last home, me and my team are here to help you achieve both your short and long-term financial goals.
I was born in the East County and raised on a grape farm with my five siblings. Now,  married to my high school heart throb for nearly 20 years, we live on a small ranch in Brentwood with our two amazing children. On our little farm we have horses, miniature donkeys, fainting goats, chickens, dogs and a cat…there is never a dull moment. In my spare time I enjoy BBQs with the family, riding horses and spending time on the beautiful delta. I am very active with local Realtors, builders and agencies. I am the past president and current board member of The Delta Realtors Community Service Foundation which raises money for high school scholarships, local food banks and other charities. My roots run deep in the community that I love so much.
After graduating from California State University Sacramento I immediately got a job as a loan processor. Soon after I got licensed and started originating loans. Here I am, over 26 years later and I am still truly passionate about helping people achieve the American dream of owning a home.
I have helped thousands of homeowners with their home loans. I pride myself on creating a five-star experience for each and every customer. I would love to help you with all of your home financing needs as well.

Contact Patti Shaner Anytime

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

Patti Shaner is 203(k) Renovation Lending Certified

Patti 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.

Patti Shaner 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 Patti 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.

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

What Our Customers Say About Me

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Cherryl P. Aug-18
“They were very accommodating and helpful in our journey of buying our house in California.”
Bruce M. Aug-18
“Great communications with us and the lender.”
Jenna V. Aug-18
“Easy to communicate with and very professional.”
Cherryl P. August 2018
“They were very accommodating and helpful in our journey of buying our house in California.”
Bruce M. August 2018
“Great communications with us and the lender.”
Jenna V. August 2018
“Easy to communicate with and very professional.”
Cherryl P. August 2018
“They were very accommodating and helpful in our journey of buying our house in California.”
Bruce M. August 2018
“Great communications with us and the lender.”
Jenna V. August 2018
“Easy to communicate with and very professional.”
Debra H. May 2018
“Excellent service and fast response time. Patti is wonderful!”
Erik M. April 2018
“The communication was consistent and all staff were very helpful.”
Mahbubul A. April 2018
“They were very helpful and they know what they're doing. Helpful all the time.”
Oscar U. March 2018
“The team was very responsive, knowledgeable and got the job done as promised.”
Rashad S. March 2018
“They explained everything well and answered all questions quickly.”
Mac G. December 2017
“Everyone at the office is efficient and gets the job done no matter what the issue is. Great communication and a bunch of fun.”
Eric G. October 2017
“It has been easy working with them.”
Nino T. October 2017
“Great, excellent customer service.”
Mark A. October 2017
“The team was very helpful throughout the process. They helped keep me on track with all information needed.”
Mikey R. October 2017
“As usual Patti was great and informative.”
Rodney L. Antioch, CA
“Excellent service by the Loan Officer and met beyond our expectation and closed escrow before the target date. Thank you!!”
Edward H. Valley Springs, CA
“Patty and team were extremely helpful and a pleasure to work with. Thank you all so much.”
Leia H. Brentwood, CA
“Working with the Loan Ladies is always a pleasure! Kathy kept us informed every step of the way. She 's thorough, explains things clearly and has great rates. Thank you for your excellent service!”
Nelson S. Bay Point, CA
“Well designed process flow!”
Shawn G. Discovery Bay, CA
“Was very helpful and detailed in all aspect of the loan process. Thanks for a great job.”
Vincent A. Pittsburg, CA
“Very knowledgeable, kept me in the loop on all status updates about my home, easy to get a hold of via email or phone. Great experience!”
Jacob H. Oakley, CA
“Very knowledgable and helpful! Awesome ladies.”
Andrea G. Discovery Bay, CA
“Took time to explain everything in detail. Kept me updated on the loan approval process. Worked with my schedule.”
Robin S. Antioch, CA
“This was a difficult loan and they did great.”
David H. Discovery Bay, CA
“Things were relatively painless. Only issue was our interest rate due to one hiccup on my credit score. All other things went smooth.”
Harry D. Discovery Bay, CA
“They were informative, thorough and very accommodating. They were quick to respond to our calls and voice mails. Due to the demographics, they were very accommodating in their efforts to insure a quick and speedy delivery of documents through all avenues of communications. Mostly, I appreciate their patience throughout the whole process.”
Eugene C. Discovery Bay, CA
“The whole team was great! Communication is so important, and every question was answered, and every email and phone call was returned promptly. Always felt I was dealing with true professionals, and Patti went above and beyond in making sure the process went as smooth as possible.”
Toyomi S. Antioch, CA
“The team always returned calls in a timely manner. I always received updates, especially as we got closer to closing time. All questions were answered to my satisfaction. If they didn't know, they always got the correct information for me. This is my second loan with Patty Shaner.”
Richard M. Brentwood, CA
“The process was so smooth and I was kept up to date with every step. Thank you!!”
David S. Concord, CA
“The Loan Officer, Patti Shaner went above and beyond to accommodate us with our refinance. It was a seamless transaction and closed on time, at a rate better than we anticipated. Thank you!”
Magdalena Z. Discovery Bay, CA
“Supportive, always available, amazing service overall!”
Bobby C. Antioch, CA
“She was outstanding, the process was so smooth, did not have a problem or anything. It was done quickly and before the expected closing time! She is great!”
Yesenia V. Antioch, CA
“She was great at informing me of options, as well as remaining realistic. She was professional and I am blessed to have had her and her assistant work on my loan, because I have a home now!!”
Regina W. Oakley , CA
“She stayed in contact when needed. She was proactive.”
Ernest C. Oakley, CA
“Patti was very good at showing us the options available and finding funding that worked for our situation. I also liked the digital signing, it was fast and allowed me to review documents at my convenience and save them for review. Very nice people to work with!”
Patrick B. Brentwood, CA
“Patti's professionalism, communication and overall great customer service were amazing! There were never any surprises and she kept in contact with me throughout the loan process. Simply amazing!”
Cathleen G. Oakley, CA
“Patti ALWAYS gets it done!!!”
Corey E. Antioch, CA
“Patti and her staff were very responsive, kept us apprised of the process and what was needed. They were thorough and quick to respond. They made the process painless for us!”
Mark M. Discovery Bay, CA
“Patti and Holly were great to work with. Very professional and friendly, good follow-up too. Will recommend to our friends.”
James C. Antioch, CA
“Patti and team are awesome. We found our house, completed paper work and moved into our new home with in 30 days of application date. HOLY WOW!! Absolutly amazing staff, kind friendly personalbe. We will deffinatley be repeat customers.”
Ernest C. Oakley, CA
“Patti gave us a solution to fit our needs that was very effective and not painful. The staff was friendly and efficient on all of the transactions.”
John B. Shingle Springs, CA
“Patti is a long time trusted Loan Officer and a friend who knows how to get the job done.”
Dave M. Galt, CA
“Patti is great!!!”
Michael J. Brentwood, CA
“Patti Shaner was our initial contact person. She patiently guided us through our different options and waited for us to think it through. We found her honesty, ethics and values to be of the highest and we had an excellent loan experience.”
Herbert S. Discovery Bay, CA
“Patti was a always upfront and honest. She structured the loan to where it was possible to close the deal. Way surpassed mine and my clients expectations. Definitely someone I will recommend.”
Toyomi S. Antioch , CA
“Not only the Loan Officer, but the entire staff. Especially at close. We had a deadline, they busted their butts to meet it and they did.”
Todd N. Antioch, CA
“My Loan Officers, were perfect! They made this loan go through quickly, smoothly and with no surprises. Exactly how escrow should be!”
Bennett G. Pittsburg, CA
“My Loan Officer guided me every step of the way. Made the process very simple. Customer service was excellent.”
Reginald R. Stockton, CA
“Make time for my questions”
Cheryl W. Antioch, CA
“Loan Officer provided a great loan program for the first time buyer allowing buyer to secure down payment assistance. Was very timely in every aspect of the loan to close it on time.”
John J. Antioch, CA
“Loan Officer interpreted requirements to meet the needed parameters of the loan.”
Cheryl W. Antioch, CA
“Kept me informed and worked like crazy to close in 9 days.”
Jose V. Antioch, CA
“It was a pleasant experience! Patti and Holly were very helpful and great explaining every step of the process.”
Maria V. Antioch, CA
“I feel that I had an awesome team working with me to buy my first home. They made it happen for me.”
Pam O. Martinez, CA
“I appreciated being kept updated and the professionalism.”
Connie E. Stockton, CA
“Great Team Work!! :)”
Rigoberto R. Stockton, CA
“Great communication! Everyone was very pleasant and made us feel comfortable.”
Gladys S. Antioch, CA
“Got me approved!!!”
John C. Discovery Bay, CA
“Gave fair and accurate advice. Reviewed our situation, and took it to heart. Felt that she was working with our interest in focus.”
Earl S. Antioch, CA
“Everything was explained very clearly and things were processed in a timely fashion. She did everything to avoid holdups.”
Jessica S. Oakley, CA
“Everyone was very responsive and helpful. Top notch service. I will be referring all my clients. Thank you for the hard work!”
George S. Pittsburg, CA
“As usual, the loan was ready to close ahead of time. Everything was ahead of time in being completed from the appraisal to drawing docs. OUTSTANDING service!”
Charles K. Antioch, CA
“All the ladies I worked with took the time to answer questions I had and helped me with letters of reason for the lender. I felt very grateful to have found a team that works great together to get the job done. Thanks so much.”

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