Meet Loan Officer Assistant Kat Hale

I was born and raised in a small town in Southern Idaho, where my love for community, agriculture, and building meaningful relationships first developed. Growing up in a close-knit town taught me the importance of trust, hard work, and helping others; these are just a few values that continue to guide me today.

I always knew I wanted to live somewhere that shared those same values, and when I made my way to Chico, I quickly felt at home. I love spending my free time hiking the many trails Chico has to offer or playing pickleball with my friends.

Purchasing or refinancing a home is an exciting milestone, and I am here to make the process seamless. Every situation is unique, and I take pride in understanding your individual goals and needs. I am committed to guiding you through every step of the process and helping you make confident decisions along the way!

NMLS ID: 2852348

Who We Are

We’re a mortgage team built around one simple idea: public employees deserve better when it comes to home loans.

We act like the local lender you’d find in your hometown - the kind that answers the phone, explains things clearly, and sticks with you - while serving communities across the entire state.

Our Approach

What We Stand For

Four principles guide everything we do:

clock

Respect

Your time matters. We move fast and keep it simple.

receipt

Transparency

You see exactly what you're getting and what it costs.

bullseye

Clarity

No hidden fees. No jargon. Just straight talk.

hands

Care

We remember why we do this. For people like you.

Our Process

hands

What It's Like To Work With Us

Four steps. No surprises. Just clarity from start to finish.

Check Your Eligibility

Quick assessment to see what you might qualify for as a public employee.

Explore Your Options

We show you real numbers and real choices tailored to your situation.

Talk To A Real Person

A loan officer guides you through everything. No transfers, no waiting.

Close With Confidence

We handle the details so you can focus on moving into your home.

hands

See What You Qualify For

It’s fast, free, and gives you clarity on your options