Central Coast Lending Staff Directory
Office: 805.543.LOAN (Extension 204)
Jason found a job in the mortgage industry after graduating Cal Poly in 2003 with a degree in City and Regional Planning, and has since remained in love with the business and the Central Coast. Jason developed a knack for lending operations and rose quickly to senior ranks. He started in the mortgage business as a Junior Underwriter and quickly worked his way up to serving two local mortgage banks as Operation Manager. Soon after, he began working for a much larger multi-state wholesale mortgage bank as Regional Manager.
Jason saw the unsustainable (and often insincere) business practices in the mortgage industry, which influenced him to get his brokers license. He teamed with Daniel Podesto to build a company with ethical and efficient sales practices. The result is Central Coast Lending. Jason believes that a person naïve of the mortgage industries nuances is a person needing guidance and education, not simply an opportunity to make extra profit. Befitting of the Central Coast lifestyle, Jason’s short term goals are simple: serve the community with integrity and promote the kind of practice where relationships are fostered.
You might find Jason coaching a little league team, a youth soccer team, or raising money to send kids with Muscular Dystrophy to summer camp. He’s an active member of the Chamber of Commerce, past President at Business Networking International, and participates in fundraisers for various local Non-Profits.
Jason describes himself as a committed and driven person. He has been married for thirteen years, he is a father of three, he is passionate about his work, and he trusts constantly in the good nature of people.
CA DRE #01804822
Office: 805.543.LOAN (Extension 213)
Dan Podesto began his work in financing with a trial by fire. Directly after obtaining his Bachelor of Arts degree in Political Science at Cal Poly in 2001, he was hired into the mortgage industry by Cameron Financial Group. After working his way to Secondary Marketing Manager, he moved on to Kay-Co Investments in June of 2006, where he managed the Loan Settlement Department, the Servicing Department, and all loan sales to investors.
When the housing bubble burst, Dan teamed with co-owner Jason Grote to create Central Coast Lending. Having seen the problems with the mortgage industry, their model sought to clean up the business with a client-friendly approach. Today, Central Coast Lending prides itself on offering fair prices, efficient service, and knowledge-based advice to the client, and skilled efficiency in collaboration with other finance professionals. With offices in San Luis Obispo, Morro Bay, Paso Robles and Arroyo Grande, Central Coast Lending wants to strengthen its roots in our unique central coast community to offer the best possible service.
After seeing the dark side of finance, Dan and Jason created something new. According to Dan, “We developed this philosophy that ‘this is wrong.’ There were brokers that clearly did not understand the loan programs they were selling, or they were making windfall profits off of buyers that clearly didn’t know any better. So we decided, what if we explained every loan option, offered sound advice, and charged fair prices? Our philosophy is to know what we are selling, sell at a fair price, and do what we say we are going to do. We want to do the right thing for people, and we think that if you do the right thing for somebody, we will catch on. It’s kind of like the Field of Dreams… if we do it the right way, they will come.”
Office: 805.543.LOAN (Extension 210)
Will Barnaby began his own business at 21 as a wholesale seller. After opening offices across the western United States, he moved to advertising before settling into the financial industry. Growing up in a military family, Will has constantly moved around the world – from England, to Germany to Virginia, but he has settled down in the beautiful Central Coast in 1997 and has since dedicated himself to becoming the best loan agent for the local community.
Will jumped on board Central Coast Lending from the beginning. Initially attracted to the underwriting and secondary marketing experience of the owners, Will appreciated Central Coast Lending’s community oriented approach. With his family settled down in Paso Robles, Will has satisfied customers both locally and across the state of California.
Thus far, Will credits his success to communication, fair prices, and equitable treatment. He makes sure that he treats everybody fair, charges a fair price, and keeps his clients in the loop. With the shift in government regulations and the shifting housing market, Will is your resource to navigate home finance.
After doing the “surf thing” Will is now focusing on improving his racquetball game. He has a wife and two kids of 14 and 7, and coaches youth soccer.
CA DRE #01809075
Ryan Baker moved from the Bay Area to attend Cal Poly in San Luis Obispo. As a Mustang, Ryan worked at a local mortgage company, and after he graduated with a Bachelor’s Degree in Recreation Parks, and Tourism, he obtained his Real Estate license. He has been working in the Mortgage and Real Estate industry since 2006.
Ryan understands that the mortgage process is a personal one, and a big step. As a result, he values honesty, trustworthiness, and hard work above all else. When you entrust him with your finances and a purchase as big as a home, he will work with you diligently to complete the transaction, all the while protecting your privacy. With Ryan as your loan officer, expect dedication, respect, punctuality, organization and honesty.
After deciding to stay in San Luis Obispo for the beautiful weather, amazing scenery, and nice people, he has become very involved in the community. Until recently, he served as Adult Sports Coordinator for SLO Parks and Recreation, organizing the popular adult softball league. In 2008, he joined the Young Professional Networking Group, and he now serves as president of the Board of Directors. The group has made headlines in the Tribune, the New Times and Tolosa Press as an exciting opportunity for local professionals to network, make friends, and stay active in the community.
CA DRE #
Office: 805.543.LOAN (Extension 206)
Joe has worked on both sides of the housing market on the Central Coast. Prior to moving to the lending business in the early 90s, he was Sales Manager for a real estate and development company. With so much experience in the Real Estate business, he has built the philosophy that his clients are more than loans – they are full-time lifelong relationships. He has helped clients get into their first home, find investment properties, and then do loans for their children. Joe sees his responsibility as to help clients manage their largest asset in the best way they can.
A resident of the Central Coast since 1986, Joe has had the ability to develop these close relationships. Joe graduated the University of Colorado with a degree in Business Administration and a major in finance. After moving to the Central Coast to raise his children (his three sons are all graduates of Arroyo Grande high school), he first worked as a wholesale representative for local housing developments. In the mid 1990s he went into loan processing before shortly moving to loan origination and never looked back.
Joe is a musician and a local business owner. You can find him hanging out in San Luis Obispo at his Village Host Pizza and Grill at the three-way intersection of Broad, South, and Santa Barbara or in the Central Coast Lending office at 1319 Marsh Street, Suit 101.
CA DRE #00917149
Office: 805.543.LOAN (Extension 212)
A resident of Morro Bay for 25 years, Heidi has fifteen years of experience as a loan officer. After graduating Cal Poly with a business finance degree and real estate minor, Heidi has honed her experience as a loan officer at three different companies, including earning “top producer” status while working for one of the largest independently held mortgage banking firms in the western United States.
Heidi’s expertise includes both residential and commercial lending. She helps guide her client’s decision making processes, helping them feel secure that the decisions they make today will be in their future’s best interest.
With Central Coast Lending since January 2009, Heidi continues to provide genuine and quality service to both her borrowers and Realtors alike. She maintains the awareness that a strongly ethical and service oriented approach to her business is essential, and for this approach Central Coast Lending was an ideal match. She enjoys working closely with her clients, making every effort to understand their specific needs.
Heidi and her beautiful husband Michael have a five year old son Noah and a Labrador retriever named Harley. The Kimbrell’s enjoy the beach, surfing, Bikram yoga, travel and life on the Central Coast.
CA DRE #01131724
Bob has lived on the Central Coast for over 44 years, attending Cal Poly and obtaining a BS in Mathematics with honors a BS in Computer Science with honors, and a Masters degree in Applied Mathematics. After a successful career in the information technology field and a stint as part-time professor at Cuesta College, Bob became interested in the possibilities of a mortgage career. His education and experience have given him the problem solving tools that are necessary in the lending market.
As a member of the close-knit local community, Bob shares the Central Coast value of personal relationships. He will work diligently to understand your needs and obtain the loan product that is best for you. After obtaining a loan, he wants to maintain a long-term association as your mortgage broker. He will always monitor interest rates, and if the opportunity arises, he will let you know if you can improve your position.
Bob decided to work for Central Coast Lending because its values matched his own – a high ethical standard and a warm and friendly environment.
Bob is married, a father of five, and an avid racquetball player. He will work hard for you and follow-through, and all with the utmost trust, confidentiality, and integrity.
CA DRE #01909894
Marie has lived on the Central Coast since 1989 and been in the loan business for over 20 years. Marie’s first start was 20 years ago when she was processing and funding Small Business loans for franchises in Southern California. After her move to the Central Coast she changed careers and started working for a local lending company. Now, she works with Central Coast Lending to take advantage of their range of investor options. Marie takes all her clients best interest to heart and therefore personally sees each loan through from start to finish.
“Funding your loan is just the beginning of my relationship with you. I want you as a lifetime customer, not just a one-time deal. I will continue to monitor interest rates and let you know when opportunities arise to improve your current situation. I will also stay in touch and continue to educate you so that I can be your ultimate resource for mortgage financing information – your trusted adviser – today, tomorrow and beyond! I believe everyone deserves to own their own home. I can help you get there.”
Choosing the right lender is a key element to managing your mortgage. As a mortgage professional Marie is not only working to provide you with a loan, but also helps you select the one most beneficial to you and your long term goals. After that, she will help you manage that debt over time. Few lenders provide this type of ongoing personalized service. There is only one loan that is important to Marie, YOURS!
CA DRE #01158997
Office: 805.543.LOAN (Extension 201)
Anne has lived on the beautiful Central Coast since 1979. She received her Real Estate License in 2001 and is happy to be a leading producer for Central Coast Lending. A focus to details and specializing in superior customer service has facilitated Anne to being awarded “Top Producer.” She is proud of her reputation as a knowledgeable, experienced loan officer and works hard to continue her success.
Previous to her mortgage lending career, Anne was involved in retail jewelry in San Luis Obispo for 18 years. She has volunteered to teach a Jewelry Arts class to middle school students at Old Mission School and taught at Cuesta College’s “College for Kids” program over the summer.
Anne has three children, who keep her happy, active, and young. She has been a member of Old Mission Adult Choir for the past two years and enjoys yoga, reading, and water sports. She continues to be involved in the SLO community and an active volunteer at Mission College Prep High School.
CA DRE #01357035
Office: 805.543.LOAN (Extension 209)
Anne Sarico obtained her real estate license in 1990, and has been brokering loans for over 20 years. She keeps abreast of changing loan guidelines as the industry undergoes a monumental overhaul to provide safe loan programs and transparency to homeowners.
Anne is a proud member of the Central Coast Lending team prides herself in the service she provides her customers. Her philosophy is simple: Listen to the clients, provide the best selection of loan options based upon their financial needs and means, and provide them ready answers to their questions in a friendly, stress free environment. Anne is dedicated to the hardworking clients she works with, whether they be first-time homebuyers, homeowners looking to refinance for a lower rate, or real estate investors. She is proud to say that the personalized service she provides her clients has resulted in many repeat customers and referrals.
Anne supports her local community by participating in the annual Breast Cancer Awareness walk from Morro Bay to Cayucos, the annual Cayucos 4th of July fireworks celebration, all beach clean-up activities, and the awesome car shows in Morro Bay and Cayucos. She adores the Central Coast, and so does her dog, Maya. They love their daily walks on the beach, meeting new friends, and enjoying the fantastic coast.
Please come see Anne at the Central Coast Lending office in Morro Bay. She looks forward to meeting you!
NMLS # 324788
Office: 805.543.LOAN (Extension 233)
Bruce Ulrich grew up in the beautiful San Fernando Valley. His love of beach life and surfing took him to Hawaii where he lived for two years. On his return he became an electrician apprentice and after obtaining his license opened his own electrical business. In 1997 Bruce began a career with the Home Depot. He worked with the electrical and lighting buyers designing the layouts for those two departments and for the first five years focused on new store openings. As Operations Manager he was responsible for profitability of the store operations. In 2000 while working for Home Depot, Bruce relocated to the Central Coast area where he has resided since.
After 13 years in retail Bruce decided to switch careers and obtained his Real Estate License in December 2011. Bruce brings valuable experience in customer relations and satisfaction to the industry. Customer service is of primary importance to Bruce. He will always acknowledge customer needs and concerns to ensure a positive result. He is dedicated to providing his customers with the best possible experiences in their financial transactions. Bruce is excited to join the Central Coast Lending team with their high ethical standards and friendly work atmosphere.
Bruce is the father of three. He loves to travel and also enjoys tennis, golf, scuba diving, surfing motocross and fishing.
CA DRE #01908853
Jason relentlessly pursued excellence in everything he does.
While serving his country in the military, Jason was awarded the Army achievement medal for his time in Berlin, Germany.
While in college, Jason went from a walk-on football player at a small Division II school to a three-time All-America and current NCAA record holder. Next, he was invited to the NFL combine and went on to sign two NFL contracts (with the Buffalo Bills and the NY Giants).
Jason’s interest in numbers and passion for finance influenced his career. He started with Wells Fargo Financial where he helped clients plan for everything from small personal loans to home mortgages. Jason left Wells Fargo Financial to offer more extensive options to his clients and apply his passion as an independent Mortgage and Financing Consultant. Currently, he has partnered with Central Coast Lending to offer his elite level of service to the South County area of SLO.
In his business career, Jason pursues the same elite level of excellence as in the rest of his life. He continually hones his expertise and stays on the cutting edge of the mortgage market and rate-lock timing.
Jason holds a Bachelor of Science degree in Finance with a minor in Accounting from Adams State College in Colorado where he graduated Cum Laude.
CA DRE #01513456
Tenacious, savvy and a veteran of all aspects of real estate since 1977, Dennis has a passion for assisting people with the critical importance of their finances. Over the years, Dennis has developed, owned and managed businesses for himself, clients and partners. He has held licenses in real estate, insurance, securities and has earned the nationally recognized Certificate of Financial Planning. On the lighter side, you may want to ask him about his years as a riverboat Captain and his world class ski and outdoor adventures. Dennis specializes in mortgages for military Veterans and their families.
Dennis is a relatively new resident of the Central Coast and affiliated with Central Coast Lending, Inc. after determining that this is truly the “happiest place on earth”. He selected CCL because of their plain spoken language and ethical integrity. The most important business aspiration for Dennis was to associate with people who simply do what they say with the best interest of their clients at heart. This philosophy never goes out of style. “I found CCL, to have the lowest rates and fees which means we have the happiest clients which creates long term relationships and the best referrals.”
As a child of a military family, Dennis has lived in most of the western United States. These days, after processing your mortgage, you will find him on most any golf course, hiking a local trail or running the beach.
CA DRE #01906767
CA DRE #01467992
Office: 805.543.LOAN (Extension 215)
Molly Schiff grew up in Kalamazoo, Michigan, and decided to head to the west coast to attend college at California Polytechnic State University in San Luis Obispo, California. There, she studied architectural engineering for 3 years before deciding to pursue her more creative interests. She switched to the newly developed Liberal Arts and Engineering Studies department at Cal Poly, and concentrated in film and graphic design. While at Cal Poly, Molly was heavily involved in multimedia design for Cal Poly Performing Arts. She also did graphic design work for a biomedical consulting agency, and worked with a local non-profit design-build firm, doing film work and graphic design. Molly graduated from Cal Poly in June 2012 with a BA in Engineering.
Molly joined the team at Central Coast Lending immediately following graduation in June 2012 as Creative Director. New to the lending business, she is excited to bring her creative vision and fresh perspective to the marketing and branding of Central Coast Lending.
Rylan Stewart grew up in Morro Bay and attended Pomona College in Claremont, Southern California. There, Rylan earned a Bachelor of the Arts degree and a major in Political Science and an extra-curricular focus on journalism.
Rylan joined the Central Coast Lending team in March 2011 as Marketing Director. In this position, he used the Central Coast Lending business philosophy of education, honesty and service to build its marketing plan and vastly expand the reach of the business both locally and on the web. As web editor, Rylan writes, researches, edits and directs the development of the website as the hub of the Central Coast Internet presence.