Meet the Team

Born and raised in the community of Santa Barbara which she now serves, Kelly is committed to helping her clients navigate the most complex financial transaction, a home mortgage. Kelly believes clients are clients for life and continues to nurture relationships beyond the closing of the loan. Her clients are referred from a network of local businesses, including financial planners, accountants, real estate agents, and satisfied past clients. Kelly strongly believes in the power of clear communication with clients and with this has developed her own system to originate a loan from start to finish.

Kelly has more than 25 years of experience in the mortgage industry. Kelly has been recognized annually by Scotsman Guide for Most Closed Loans, Top Purchase and Refinance Volume, and Top Dollar Volume. Her industry experience and vast knowledge has been featured in the Santa Barbara News-Press, Santa Barbara Independent, the trade journal Origination News, and other publications. Additionally, Kelly regularly facilitates seminars for real estate professionals.

Kelly leads a team of highly skilled and experienced support staff and loan originators. Kelly meets weekly with her team to thoroughly review their current pipeline and to improve and streamline their systems. The systems Kelly has implemented in her business have led to some of the best and brightest to come work with Kelly. She believes anything is possible with the right people on her team.

With over 15 years of experience in the mortgage lending industry, I love helping existing and future homeowners with their purchase/refinance needs. In a competitive housing market, you want to be assured that your process will be done in a timely manner.

As your mortgage partner, I'm dedicated to your success when it comes to securing financing for your real estate needs. I can help you effortlessly navigate each step to a smooth, on-time closing!

I am dedicated to providing you with personalized service, fast closing times, and careful guidance during the home-buying process. Please don't hesitate to call/text/email me 7 days a week, 365 days a year. I'm always working for you! Feel free to call me at 206.351.7227 or send me an email to TeamMikhail@HouseLoan.com.

AREAS OF SERVICE

•  Mortgage Lending
•  First-Time Home Buyer Loans
•  VA Home Loans
•  FHA Loans
•  Condominium Lending
•  Investment Properties
•  Jumbo Loans
•  Purchase
•  Refinance
•  Home Equity Line of Credit (HELOC) Loans

LANGUAGES SPOKEN: Russian/English

With his down-to-earth personality, customer-driven focus and extensive industry knowledge, Joseph Lombardo has all the right ingredients to be a trustworthy mortgage advisor. He guides clients through the entire mortgage process and ensures all of their concerns are thoroughly addressed.

"My goal is to provide a smooth, seamless and stress-free experience," says Joseph. "I am available to personally answer questions, and keep each client informed during every step of the financing transaction."

According to Joseph, choosing Cornerstone Home Lending as his professional home was easy. With Cornerstone's real time access to top national investors, Joseph offers clients competitive mortgage products. He can instantly compare home loan programs and select beneficial options based on his clients' individual needs; he is also available long after closing to monitor their equity positions and provide home-financing guidance.

A Washington State native, Joseph graduated from Seattle Pacific University. He's been around this industry for most of his life–with family ties initiating him into the rewarding world of real estate development and financing. His most treasured pastime is spending time with his wife and their two boys.

For first-class service and custom mortgage guidance, please contact Joseph Lombardo of Cornerstone Home Lending "Cornerstone's core philosophy matches perfectly with mine," Joseph shares. "We both exist to make a positive contribution to my clients' lives and to the lives of others through honest, caring service and sound mortgage advice."

Timothy Lombardo truly believes in the value of owning a home. A compassionate, outgoing and dedicated professional, Timothy understands how complex the mortgage process can be. He guides clients through each step of the transaction and proactively updates all parties involved on the loan status. Clients can also rely on him long after closing for trusted home-financing advice and up-to-date industry trends.

Timothy takes a hands-on, comprehensive approach to helping select his clients' home loan programs. "Mortgage loans should never be one size fits all," says Timothy. "I work closely with clients, making sure I fully understand their individual needs and future goals, and then recommend mortgage solutions to help them achieve those objectives."

According to Timothy, Cornerstone Home Lending's stellar customer service model and efficient loan systems were driving factors in his decision to the join the company. Via Cornerstone's real-time pricing engine, Timothy can instantly compare programs from the nation's top investor sources and select only beneficial mortgage solutions for his clients. Cornerstone also offers enhanced services to ensure a smooth, streamlined and on-time loan closing:

• Convenient and secure online prequalification
• In-house processing, underwriting, closing and funding
• Direct access to Fannie Mae, Freddie Mac and FHA/VA loan conduits

A third-generation homebuilder, Timothy built high-end homes for ten years before transitioning to residential mortgage lending. He and his wife are devoted parents to three girls, and they spend as much time as possible cheering their daughters on during their many gymnastics meets. Timothy also stays active training for and competing in triathlons.

At Cornerstone Home Lending, you will find motivated mortgage specialists like Timothy Lombardo who are focused solely on making a positive contribution to your life and the lives of others. For honest, caring service and professional home-financing guidance, please contact Timothy Lombardo at 206.396.5773 or tlombardo@houseloan.com.