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.

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