Michelle Kirby

Local Mortgage Banker. Big-time Results. Scenic Oaks Funding has over twenty years of experience servicing California home buyers and home owners. With convenient hours and Loan Officers located throughout Central California, we’re able to provide professional, courteous service whenever and wherever you need it. We offer a variety of financing programs designed to meet the special needs of California home buyers, including conventional loans, FHA loans, loans for Veterans, refinancing, loans for investors, and jumbo loans. Our team will provide expert guidance to help determine the program best suited to your unique situation, and will be there to answer all of your questions long after the successful close of your real estate loan. Scenic Oaks Funding thrives in the ever changing market by keeping our staff up-to-date on the latest programs and requirements, advancing technologically into a paperless system, and offering exemplary customer service. Unlike mortgage brokers, as a mortgage banker, we are able to complete the entire loan process in-house, without middlemen, resulting in far shorter close times for our clients. We are consistently named a top mortgage banker in the Central Valley and were the number one Purchase Money Lender in Stanislaus County in 2014. Proof that dedication towards customer satisfaction, progress through education, and transparency results in success, for both the company and its clients. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Lic. No. 417 0051. NMLS ID 252939.