Preferred Lenders

Pre-Qualify + Pre-Approval

Are you ready to purchase a home? Your first step is to talk to a lender and get “Pre-Approved” so that when you find the perfect home, you will be in a position to make your offer. There are many loan programs available depending on your financial picture and a good lender will help you determine what program will best fit your needs. This will include current interest rates, monthly payments, down payment and overall budget. Additionally, your lender will help see you through the home purchasing process from start to finish and having a solid lender by your side is the key to a smooth transaction. While you have the option to choose any lender you like, I have a few highly recommended local professionals listed below. Feel free to to chat with one or all to determine who will be the best fit for you!

Scott Sheldon

Branch Manager

2455 Bennett Valley Road C107,
Santa Rosa, CA 95404

Jennifer Beeston

Branch Manager/VP of Mortgage Lending

4863 Old Redwood HWY,
Suite D, Santa Rosa, CA 95403


Jennifer Beeston is a nationally known financial expert and mortgage originator. Featured in articles by USNews, Business Insider, NBC news and countless others, Jennifer is a vocal crusader in making the mortgage process transparent and easy to understand. Her dedication to consumer advocacy and client education are a few of the reasons she is rated in the Top 1% of Mortgage Originators in the nation.

Joanne Sterzenbach

Loan Originator

NMLS 2117716
Licensed by the DFPI under the CRMLA

Joanne Sterzenbach has been helping clients in Lake County achieve their homeownership dreams for more than 14 years. Prior to originating loans, she honed her leadership skills at a large tech corporation, and is adept at managing her team to keep transactions on track. Recognized among her real estate associates for her dedicated, problem-solving approach, they know they can count on Joanne to provide extraordinary customer service to their clients.

Before helping you choose a loan, Joanne will take the time to explain your home financing options and educate you about the advantages of each. Once you’ve made your decision, she’ll make herself available to answer your questions throughout the process. By keeping the lines of communication open with all parties involved, she helps avoid problems and guides the loan to a timely close.

Joanne grew up in San Francisco. She graduated from Cathedral High School with a major in business, then went on to study business at San Francisco College. Joanne moved to Petaluma 25 years ago with her husband and two children. She is a former member of the Petaluma Chamber of Commerce Women in Business, and loves to cook Italian food in her spare time.